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Why choose us as your ethical mortgage broker?

TRUST & TRANSPARENCY

Buying a home is a scary process, and not knowing who to trust makes it worse. We know the feeling, so with BFG you can rest easy, knowing that we exist to serve your best interests. We want to empower you to create a better future for your family, our communities and the planet.


HOME FOR A HOME

Up to 50% of our upfront commissions (after-tax & aggregator costs) go towards fighting injustice in Australia and internationally through our Home for a Home program. When you take out a home loan with us, you’re ensuring that a disadvantaged family is given housing security through our partnership with Habitat for Humanity.

TAX SAVING: FIRST OF ITS KIND

When we invest our commission with our impact partner on your behalf, you can deduct the amount invested from your tax. We will also show you the individual impact you made as a result of simply making the right choice.

Our service promise

People Matter: People First

As an ethical mortgage broker, we serve people over profits by recommending the best options. To do this we've removed commission incentives for our brokers.

We make it simple & easy

Leading-edge technology so that you enjoy a seamless experience. Leave the loan hunting, leg work & negotiating to us.

With you every step of the way

Above all, we know how complex home loans can be. It is our responsibility to ensure you understand available options, risks involved, and the structure.

The power is in your hands.
Here is what you're capable of!

1
Put in your loan amount and taxable income range
Loan Amount
Taxable Income Range
Your Tax Savings (approximate)

$ 1,000

Your Social Impact

$ 0

2
Choose a location:

Your loan impact build X  complete homes in Asia Pacific. The average cost to build 1 home is $3,000. Powered by Habitat For Humanity.

 

Your loan impact contributes towards helping X  families build their home. Powered by Habitat For Humanity.

 

What if?

Every idea starts with a problem. Ours was simple: a lack of trust in financial institutions.

Working in banking, we saw firsthand the greed in the finance industry. The Royal Commission was a turning point: it amplified an already-deteriorating trust between the banks and their customers. We wondered, what could we do to put people first in an industry that only cares about profit?

To us the solution was radical yet simple. We would flip the traditional industry model on its head, putting the focus on people, not profits. As an ethical mortgage broker we do this by investing up to half the money we make to families in need, while giving back to our customers through tax deductions. In doing so, we show that the finance industry doesn’t have to just be about money – it can also change lives for the better.

We are an ambitious, experienced team getting the best deals for our clients. This is all done while transforming the world – within the same transaction. In addition to doing the right thing, our clients get financially rewarded through our tax savings scheme. All of this at zero cost!

In addition to doing the right thing, our clients get financially rewarded through our tax savings scheme. All of this at zero cost! 

OUR SERVICES

Home Loans


Whatever your home loan needs, we can get you market-ready to take this step with confidence and financial backing.
At BFG, we specialise in owner-occupied, investment, land, home packages, bridging, first home buyers, and off-the-plan purchases.

 

Personal Loans & Car Loans


Personal loans are a practical way of getting what you’ve always wanted. It may be buying a car, travelling or getting ahead by better managing your debts. At BFG, we assist with both secured and unsecured personal loans.

 

Commercial Loans, Overdraft Facilities & Asset Finance


Loans for business purposes. They can be taken out by individuals or partnerships on behalf of businesses to fund operations, equipment and commercial property.

 

Financial Planning & Insurances


At BFG, we develop strategies to help you manage your financial objectives and meet your life goals. We set up risk management strategies and provide support with life and income insurance. Also, our general insurances include building, landlord and home & contents insurances.

 

Conveyancing, Legal & Accounting


We work with experienced and effective partners to ensure customers are offered holistic solutions. Here at BFG, we only partner with organisations that align with our purpose of putting customers first.

 
Best deal? Always.
Cost to you? Zero.

Lenders

Things you should know

1. Entitlement to tax savingsTax savings will depend on various factors. Such factors include the final loan amount funded, the bank/lender proceeded with, taxable income & exact amount invested in social projects. If the chosen charity is not a ‘Deductible Gift Recipient’ (DGR) status, tax savings will not be applicable. 

Benevolence Group only partners with DGR status charities; unless otherwise agreed upon. For more information on DGR status, please contact the ATO. We will confirm in writing your estimated tax savings during the process. However, we do recommend obtaining independent taxation advice to confirm the amounts.

2. Power to transform lives. The exact amount contributed to social projects will depend on various factors; specifically, the final loan amount funded. All loan amounts over $1mil will include a 50% (after tax and aggregator fees) contribution. Loan amounts between $500k – $1mil will include a 25% (after tax and aggregator fees) contribution. Lastly, loan amounts under $500k are ineligible for social investment; as we need to ensure the financial sustainability of our model.

* This table is based upon 2017-2018 ATO individual Income Tax rates. The above rates do not include the Medicare Levy of 2%. Depending on your present financial circumstances, the exact level of your tax deductibility will vary. Please seek assistance from an independent taxation professional for formal guidelines.