Decades of files sit behind every call. Adam King started in banking in 1995, became a broker in 2001, and has been writing loans on the Sunshine Coast since 2003 — through the GFC, the APRA tightening, the COVID surge and the post-2022 rate cycle. We renegotiate your rate twice a year to keep it sharp long after settlement.
Adam King
Founder & Principal · In finance since 1995
30+
years
2,000+
families
60+
lenders
Adam has helped 2,000+ families into the right loan. Your file is owned end-to-end by an experienced broker and backed by the whole Exactly Loans team — so when you call, a person who knows your loan picks up.
The practice works Australia-wide — residential, investment, commercial, SMSF, developer finance. The lender panel runs 60+ deep, from major banks through to specialist non-banks. And we don’t disappear after settlement: we renegotiate your rate twice a year, every year. We’ve got your back forever.
What clients say
“Adam and the team are absolute legends, we have returned many times and will continue to work with them as we grow. Communication and trust is perfect and it's never ‘no it can't be done’, it's a ‘let me do some digging and see what can come up with to make it happen for you’. I would recommend Exactly loans to anyone!”
— Thomas Anderson · Google · Verified review
Office
Maroochydore QLD
Hours
Mon–Fri 8:30–5:30
How it works
First call to keys
3–6 weeks
Standard PAYG file under contract
01
Day 0
A 15-minute call
Tell us about the place, the timing, the goal. No forms, no commitment, no soft credit check. By the end of the call you'll know whether we're the right fit and what the next two weeks look like.
02
Day 1–3
Qualify
We review your position — with or without income docs and debt verification — to confirm if you'll qualify to move forward, and calculate your benefit of proceeding.
03
Day 4–7
Lender choice
Detailed workshops and demos to refine down to three to five lenders chosen for you, presented thoroughly in writing — loan splits, offset, fixed-vs-variable mix, repayment type. You choose. We don't lodge until you're certain.
04
Day 8–14
Lodgement
Sometimes it's the story that sells, not the raw data. A broker is a problem solver and, with experience, knows how to solve problems before they come up.
05
Day 15–32
Approval & settlement
We coordinate with your solicitor, the lender and the agent through valuation, formal approval, document signing and settlement. We hold everyone's hand — making sure all stakeholders do their part — til you get the keys in your hand.
06
Ongoing
Got your back — long term
Twice-yearly rate reviews for the life of the loan. We renegotiate with your lender twice a year and secure reductions without you lifting a finger — and only move you if it's genuinely worth it.
Real reviews
“Adam and the team are absolute legends, we have returned many times and will continue to work with them as we grow. Communication and trust is perfect and it's never ‘no it can't be done’, it's a ‘let me do some digging and see what can come up with to make it happen for you’. I would recommend Exactly loans to anyone!”
Thomas Anderson
Google · Verified review
“Adam and the team at Exactly Loans were outstanding from start to finish. Clear communication, professional advice, and minimal stress throughout the process. They moved quickly, kept my partner and I informed at every step, and secured a great result. Highly recommend if you want a broker who genuinely knows their stuff and delivers for their clients.”
Christopher O'Donnell
Google · Verified review
“My third property purchase with the help of Adam, Cedric and the team at Exactly Loans has been stress-free and easy. The team are extremely prompt, professional and clear in their communication. The experience and knowledge they have in this industry is what makes this process an enjoyable one. I can't recommend them enough and I will continue to use them for any future purchases.”
Tim Cameron
Google · Verified review
“Their communication was excellent—they kept me informed every step of the way and made what could have been a stressful process feel simple.”
Michelle N
ProductReview · ACT · Verified review
“Adam and his team were exceptional to deal with and exceeded all expectations in every way. The communication and updates we received throughout the process was above and beyond. Highly recommend!”
Amanda Stevens
Google · Verified review
“We recently re-engaged with the Exactly Loans team to refinance our mortgage, and once again had such a positive experience with Adam and his team. Everyone on the team goes above and beyond to be helpful, and their level of communication and professionalism is outstanding. Adam and his team were able to help us reduce our payments significantly, and took time to make sure we understood all of our options every step of the way.”
Olivia Marotta
Google · Verified review
“Adam and his team helped me refinance my home loan and purchase my second investment. I am grateful for the time and dedication they took to help me secure my loans. They were informative, persistent and above and beyond professional. I highly recommend. Can't wait to work with you again in the future.”
Kay Green
Google · Verified review
“Adam's professionalism, deep knowledge, and attentive communication made the entire mortgage process smooth and stress-free.”
Kyle Roberts
ProductReview · VIC · Verified review
“Adam and his team were absolutely amazing throughout the entire mortgage refinancing process. They kept us informed every step of the way, were always available to speak to, and were approachable and down-to-earth. Being based in Melbourne was never an issue — we easily conducted all meetings, catch-ups, and discussions via Zoom and phone calls.”
Amanda
Google · Verified review
“They explained everything in detail and worked so hard to keep me going. I'm finally in my dream home.”
Melanie G.
ProductReview · VIC · Verified review
“It was a pleasure to work with the professionals from Exactly Loans! Adam was our broker, and we cannot express our gratitude in words. We are a family of 5 trying to find a house to call our home. It took us some time to complete our goal, but Adam and his team was behind us and guiding every step of the way.”
Deepana Kathushe
Google · Verified review
“We would like to thank Adam and his team for guiding us through the minefield of home loans and lending options. There were a few structural changes along the way and we felt like we were inconveniencing the guys, however, it never came across that way from Adam and he was only too happy to help, adapt quickly and change things around to suit our needs.”
Amanda Rowland
Google · Verified review
Get in touch
An experienced broker, backed by the Exactly Loans team — thirty years of files behind every call, and a twice-yearly rate review for as long as you’re with us.