Unlike a bank, where it can sometimes feel like you’re just a number, we delve deeper into your situation and ask the right question so we can find you the right solution. It is in our best interest to get you the right loan for your situation.
How much does it cost you to see us?

In most cases, the very short answer is nothing.


While we are paid by the bank, we work for you, finding the right loan for your situation.

We may charge fees for commercial or business loans or loans with a complex structure.

We are fully upfront about our fees and will let you know if they apply to you during your initial consultation.



How do we get paid?

We get paid a commission by the bank or lender when your loan settles. As we are fully upfront about our fees, you can be confident that we are on your side.



We negotiate on your behalf

Most lenders do not offer their best rates upfront. Cliff & Moss Finance Brokers cut through the bank process to negotiate a competitive rate for you.

If your loan is exceptionally complex

Commercial property and business loans require more experience and involve more work than a standard residential loan (we do enjoy a challenge!!). We may charge a brokerage fee and/or a commitment fee depending on the type of finance you are applying for. 


Ready to get started? Just request your free appointment, call us on 1300 939 677 or pop in for a coffee and a chat - 7/8 Stuart Street, Dalby (Via Marble Street). 

"Having a broker negotiate finance on
your behalf is the smart way to go as you
will have more time, less stress and can make the most of your money."

The right lender may not necessarily be the one that will offer you a competitive interest rate.

It may simply be one that will approve your home loan, particularly if you’ve been knocked back for a loan in the past because you weren’t able to quite meet standard bank lending requirements.

We access your information and compare home loans from a range of different lenders and provide you with a product recommendation that best suits your needs.


7/8 Stuart Street

(Entry Via Marble Street)

Dalby QLD 4405

477 Boundary Street,

Spring Hill QLD 4000

Exchange Tower
Level 1, 530 Little Collins Street
Melbourne VIC 3000