About Steve

Steve Carton is the senior Mortgage Broker at Relax Home Loans. He stands as a trusted pillar in the industry. Armed with extensive experience and an unmatched ability to pinpoint the perfect loan solutions, Steve empowers clients from all backgrounds to make bold, informed decisions about their property financing with absolute confidence.

Known for his tailored approach and steadfast dedication, Steve delivers more than expertise—he delivers peace of mind. Whether you’re stepping into homeownership for the first time, growing your investment portfolio, refinancing for optimal terms, looking for a bridging loan, or planning a custom home build, Steve is your unwavering advocate, ensuring your financial goals take centre stage.

His expertise shines in:

  • Guiding first home buyers with clarity and assurance.
  • Empowering residential property investors to confidently expand their portfolios.
  • Securing superior outcomes for clients refinancing their loans.
  • Seamlessly navigating land buyers through financing for future builds.
  • Crafting strategic solutions for debt consolidation.

Primarily serving Point Cook, Seabrook, Werribee, Altona, Hoppers Crossing and the broader local area, Steve services extend all across Australia with clients in every state and territory. Steve is always accessible—whether you prefer face-to-face meetings or virtual consultations. His stellar reputation is built on deep industry expertise, local know-how, and a genuine passion for making the lending process feel effortless and empowering.

With Steve Carton by your side, you’re not just choosing a mortgage broker—you’re gaining a dependable partner committed to turning one of life’s biggest decisions into a confident, rewarding success.

Ready to chat to one of our team?

Our Recent Reviews

We had a great experience working with Steve and Danniella. Our situation was a bit unique, with the vendor being the owner, which meant there was quite a bit of back and forth throughout the process. They guided us through everything patiently and helped us navigate the complexities smoothly. We really appreciated their clear advice, responsiveness, and the way they explained each step so we always knew what was happening. Their referrals and connections also made the whole process much easier and less stressful. Thanks again for the support throughout — we’re very grateful and would happily recommend them to anyone looking for a reliable and knowledgeable mortgage broker.

Jonar Marzan

Steve and team went above and beyond to help me and my family buy our dream home. After hours calls, lots of emotions and stress and he was with us through it all! Can't recommend highly enough!

Jessica Carton

Relax Home Loans team have been amazing support over the years. Steve, joel ,Danniella, Ashlyn and Amy have all been terrific to work with, Thanks for all your help over the years.

kim simmons

Steve was an absolute blessing to have guide us through our journey, from his prompt responses, clear instructions and processes, i couldnt recommend steve and relax home loans highly enough! Thanks again steve 👌😊 ...

Jamie Galea

Frequently Asked Questions

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Is it cheaper to refinance with a bank?

Working with a local mortgage broker can help you secure a better home loan with lower interest rates or minimal fees. While we can evaluate loan options from different lenders for you, refinancing with the bank means that you only have access to a limited set of options from one lender.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.