Buying your first home, refinancing, investing or growing a business? BOC Finance compares a panel of 35+ lenders — including all the major banks — to find finance that fits your life, not a bank's targets. Based on the Gold Coast and looking after clients across Brisbane, South-East Queensland and Australia-wide.
A bank can only offer you its own products. A broker compares many lenders at once and finds the one that genuinely suits you — usually at no cost to you.
Walk into a single bank, and you get one set of rates, one set of lending rules, and one answer. BOC Finance works differently. We compare more than 35 lenders side by side — the big banks plus smaller lenders you might never think to call — and point you to the option that fits your income, your goals and your timeline. You make the decision; we handle the legwork, the paperwork and the follow-ups. And in most cases, our service costs you nothing: we're paid by the lender once your loan settles, and we tell you exactly how that works before you commit to anything.
From your first home to your next business move, here's where BOC Finance can help:
Home loans — buying your first place or your forever home, with the right rate and loan structure for you.
Refinancing — already have a mortgage? We'll check it against 35+ lenders to see if you could be paying less.
Investment loans — build a property portfolio with finance structured to grow alongside it.
Business loans — equipment, cashflow or commercial property to move your business forward.
Car loans — competitive vehicle finance without the dealership markup.
SMSF loans — put your superannuation to work in property, structured correctly with your accountant and legal team.
BOC isn't just our name — it's how we work, and what it means for you:
We genuinely care, and therefore relationships are at the core of who we are and why we do what we do.
Your success is our success which means we treat your goals and challenges as our own.
We are committed to making sure your expectations are met and we deliver on our promises.
Broker of Choice - We're more than just a broker; We're your lifelong partner to financial success!
After more than 2 decades in the banking industry, Antony Chan founded BOC Finance to lend the way he always believed it should be done — built around the client, not the institution. When you work with BOC, you're working directly with someone who has seen lending from the inside and knows how to get a "yes."
There's not much we enjoy more than seeing a client get the keys to a new home, refinance onto something better, or finally hear the "yes" they'd been chasing. You don't have to take our word for it, though — here's what the people we've worked with have to say. When you're ready, we'd love to help write your story next. Book your free chat →
Antony's dedication to his clients is truly remarkable. He has always taken the time to understand my financial needs and goals, offering personalised service that has made a significant impact on my financial journey. His professionalism, attention to detail, and ability to communicate complex financial concepts clearly set him apart from others in the industry.
What I appreciate most about Antony is his commitment to fostering strong relationships. He is not just a banker; he is a trusted advisor who genuinely cares about his clients' well-being.
Antony has been the banker for our family for the last 10+ years. He genuinely cares about the relationship and what’s best for us.
He helped us to simplify the structure of our lending portfolio, which helped us (not only for financial savings, but also the overhead to manage our portfolio) immensely over the period.
Nothing is too hard and going the extra mile just comes naturally to him.
We have worked with Antony for all of our finance and funding requirements continuously now for the past 15 years, simply because we are receiving a level of support from him that is unrivalled.
The true value of Antony’s approach is his complete level of personalised service, his absolute attention to detail and his thorough understanding of our finance needs, both personal and business.
Antony's approach truly brings meaning to term “relationship banking”. He takes what is usually a complex process and makes it easy.
The answer is simple…..choice! There are many hard-working and dedicated bankers in the industry, but the one thing they can’t give their clients is choice.
You see, bankers can only offer you the products their financial institution has to offer. At BOC Finance, however, we have a panel of 50+ lenders (including all the major banks), which means you aren’t just getting the best option from one lender, but you are getting the best potential options from 35 lenders... and that’s what we call choice!
With years of experience and a people-first approach, BOC Finance has built a reputation for delivering trusted financial solutions. Our focus is on understanding your unique needs and guiding you toward lasting success.
No two borrowers are the same. We take time to understand your goals, your income and your timeline, then match you with a loan that genuinely fits — not a bank's targets.
Founder Antony Chan spent 22+ years inside the banking industry before starting BOC, so you've got someone who knows exactly how to get you a "yes."
We're in it for the long term, looking after your finance as life changes, built on transparency and straight talk.
Book a free, no-obligation chat, and we'll help you work out the smartest way forward, wherever you are on the Gold Coast, Brisbane, Australia-wide or overseas.
Let’s start building a brighter tomorrow together.
Know someone who needs their finances sorted? Refer them to BOC Finance, and we'll thank you with $250 for every successful referral. It's our way of saying thanks for trusting us with the people you care about.
In most cases, no. BOC Finance is generally paid a commission by the lender once your loan settles, so there's usually no cost to you. If a particular loan does involve a fee, we'll explain it clearly before you proceed — no surprises.
We compare a panel of more than 50+ lenders, including all the major banks. That means you see strong options from across the market rather than from a single institution's products.
In Australia, mortgage brokers are legally bound by a strict Best Interests Duty (BID). This means we are legally required to act entirely in your best interests when recommending a loan product. High-street banks don't have this obligation—they can only sell you their own products.
At BOC Finance, we use advanced software to compare hundreds of loans across our panel of lenders. Our recommendation is based purely on what gives you the right structure, features and competitive pricing for your specific situation. We are completely transparent about what each lender pays, and our priority is always getting the right outcome for you, regardless of the commission.
We're based on the Gold Coast and work with clients across Brisbane, South-East Queensland, and Australia-wide, as well as internationally. Much of the process can be handled by phone, email and video, so we can help wherever you are in the region.
It depends on your situation and the lender, but many clients receive pre-approval within a few days of submitting their documents. We'll give you a realistic timeline upfront and keep you updated at every step.
Just having a chat with us won't touch your credit score. We can talk through your options, work out your borrowing power and map a plan — all with no credit check. A formal credit enquiry only happens once you decide to go ahead with a specific application, and part of our job is making sure we apply to the right lender first time, so you avoid unnecessary marks on your file.
Yes. BOC Finance (ACN 680 163 704) is authorised under Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.