Work with an experienced mortgage broker who understands not just home loans — but the full financial picture, including accounting, tax, and long-term wealth strategy.
Unlike most brokers who only compare interest rates, we take a holistic approach to structuring your loan so it aligns with your tax position, cash flow, and future goals.
Scott Kay is the founder of Better Broking and decided early on that he wanted to build long-term success after reading Rich Dad Poor Dad at just 14 years old. He purchased his first investment property at 23 and has been working as an accountant and trusted business advisor since 2003.
In 2021, Scott became a licensed mortgage broker after recognising that clients were best served when their accounting, tax strategy, and lending decisions worked together. Today, he brings a rare combination of property accounting expertise and mortgage advice, helping clients grow and protect their wealth through smart structuring and lending strategies.
Scott provides lending solutions for first-home buyers, refinances, and property investors, with a strong focus on long-term outcomes rather than short-term transactions. His deep understanding of property tax, structures, and cash flow allows him to support purchases through discretionary trusts, self-managed super funds (SMSFs), companies, and other advanced ownership structures where appropriate.
By combining strategic accounting insight with tailored mortgage advice, Scott helps clients build property portfolios with confidence, clarity, and tax efficiency.
Sunny Thakuri brings over seven years of experience working with professionals and property investors, helping them make informed decisions around property and long-term wealth planning through a structured, education-led approach.
With a Master of Professional Accounting and a major in Tax, Sunny offers a rare blend of lending expertise and deep understanding of income tax, property tax, and ownership structures. This allows him to design lending and acquisition strategies that are not only commercially sound, but also aligned with broader tax and structuring considerations.
Sunny supports first-home buyers, refinances, and property investors with a strong focus on long-term outcomes rather than short-term transactions. He is known for ensuring clients clearly understand how property ownership works in practice, how different structures affect cash flow and tax outcomes, and what matters both before and after purchasing a property.
Find the right loan at the right rate with access to multiple lenders and personalised recommendations.
Reduce your repayments, access equity, or switch to a better product that suits your long-term goals.
Secure structured lending designed to maximise your investment returns and financial growth.
Roll multiple debts into one simple repayment with a more manageable interest rate.
From government grants to lender requirements, we make your first home journey simple and stress-free.
Fast approvals for cars, personal expenses, lifestyle upgrades, or unexpected needs.
We begin by taking the time to understand your financial position, goals, and future plans. This includes your income, existing loans, lifestyle considerations, and what you’re looking to achieve both now and over time.
Once you’re ready to proceed, we manage the entire application process on your behalf. This includes coordinating documentation, liaising with lenders, and guiding your loan through to approval and settlement—keeping you informed at every step.
Based on your circumstances, we assess suitable loan options and structure a solution that aligns with your broader financial picture, including how your lending fits with your tax position and long-term plans. We clearly explain your options, including features, risks, and trade-offs, so you can make informed decisions with confidence.
Based on your circumstances, we assess suitable loan options and structure a solution that aligns with your broader financial picture, including how your lending fits with your tax position and long-term plans. We clearly explain your options, including features, risks, and trade-offs, so you can make informed decisions with confidence.
Once you’re ready to proceed, we manage the entire application process on your behalf. This includes coordinating documentation, liaising with lenders, and guiding your loan through to approval and settlement—keeping you informed at every step.
Our support doesn’t end at settlement. We provide regular check-ins and proactive updates to ensure your loan remains competitive and appropriate as your circumstances and market conditions change. By continuously reviewing rates and lender options, we help make sure you stay on the best possible solution over the long term.
If you’re looking for a knowledgeable mortgage broker who listens, explains, and genuinely advocates for you, Better Broking is here to help you make smarter lending decisions—today and into the future.
At Better Broking, our advice goes beyond arranging a loan. Because we combine mortgage broking with deep tax and property accounting expertise, we’re able to take a more holistic view of your financial position—considering how your lending decisions interact with ownership structures, tax outcomes, and long-term goals.
We’re experienced in working with a wide range of loan and tax structures, including individual ownership, discretionary trusts, companies, and self-managed super funds, allowing us to provide guidance that’s both practical and forward-thinking.
Just as importantly, our support doesn’t stop at settlement. We take a proactive, long-term approach—regularly reviewing your loan and keeping an eye on market changes—so you can be confident you’re always in a competitive position. The result is greater clarity, better decisions, and genuine peace of mind over the life of your loan.
Unlike banks, we are independent brokers who work for you—not the lender. This means our advice is objective, tailored to your goals, and focused on finding the best loan options from a wide range of lenders.
We take the time to understand your financial situation, future plans, and lifestyle. Then we compare hundreds of loan products to present options that fit your needs, helping you make an informed decision with confidence.
Absolutely. We specialise in guiding first home buyers through the entire process, from understanding eligibility for grants and incentives to finding loans with the most suitable features and rates.
Not necessarily. We work with a range of lenders who offer flexible deposit requirements. We’ll review your situation and help identify options that suit your budget and goals.
The timeline varies depending on your circumstances and the lender, but we manage the process from application to settlement, keeping you informed at every stage to make it as smooth and stress-free as possible.
Yes. We analyse your existing loan, compare better options in the market, and guide you through refinancing to save money, reduce interest rates, or adjust your loan structure for greater financial flexibility.
Our service is typically free for borrowers, as we are paid by the lender once your loan settles. This means you receive expert advice and guidance at no upfront cost.
Absolutely. We offer ongoing support, including regular loan reviews and advice as your needs change, ensuring your mortgage continues to serve your long-term goals.
