Get to Know Chris Hutton
Chris Hutton is a South Australian multi award winning mortgage broker and finance professional behind Chris Hutton Home Loans, with more than 20 years of experience, recognised through industry awards and featured by ABC 7.30 providing commentary on Australian mortgage lending.

Chris Hutton South Australian mortgage broker and finance professional
Chris Hutton is an award winning mortgage broker with a career dating back to 2006. With nearly two decades of experience, he has built a reputation for warm, clear, client‑first guidance that makes even the most complex lending feel simple and human.
In 2024, Chris completed his MBA, strengthening the strategic, analytical, and leadership capabilities that shape his approach to personalised finance solutions.
As the Owner and Broker at Chris Hutton Home Loans, Chris has been consistently recognised at the Better Business Awards. Since 2019, he has been a regular finalist for both Best Regional Broker and Best Regional Office, demonstrating long‑term excellence, client outcomes, and industry trust. His business went on to win Best Regional Office 2025/26, a testament to the strength and service of his practice.
Chris specialises in:
- Relocation and expat lending
- First‑home buyers
- Self‑employed and complex income scenarios
- SMSF, franchise, and specialist business finance
His philosophy is simple: match people with the right lender, not just the easiest option. Clients value his transparency, genuine care, and ability to translate complex lending into clear, confident decisions.
Whether supporting a first‑time buyer, a returning Australian, or a business owner navigating niche lending, Chris brings clarity, expertise, and award‑winning service to every client journey.

Frequently Asked Questions
Alongside our competitive rates, we are dedicated to assisting you with any queries you may have during your loan’s duration. Whether you are a first-time buyer or a seasoned investor, we are here to support you whenever needed.
What is the role of a broker?
A broker is a finance expert who collaborates with you to understand your borrowing objectives and assesses how much you can borrow. They typically offer a more customised service compared to direct lenders and have access to a variety of loan options from multiple institutions, enabling them to secure the most suitable terms for your individual needs.
Are there fees for home or investment loans?
When you secure a loan through a broker, there are no additional repayments or fees. Brokers receive commission from the lender for bringing in new clients, but this does not influence your interest rate or any other terms of the loan.
Is using a broker more costly?
Engaging a broker comes at no cost to you, as the lender compensates them. With access to a wide range of loan products from numerous lenders, brokers will identify the most suitable loan for your unique situation. Typically, this involves a combination of the lowest available interest rate and features that best suit your needs.
Some brokers may impose service fees, which should be clearly communicated prior to providing their services.
How much can I borrow?
While our borrowing calculator can provide a rough estimate of how much you might qualify for, a more accurate evaluation can be obtained by reaching out to our team. We can discuss your options and delve into your situation in greater detail.
Should I choose a fixed or variable rate?
As the name implies, variable-rate home loans feature interest rates that fluctuate over time. They often offer more flexibility than other loan types, including options like redraw facilities and the ability to make extra repayments. However, they lack fixed repayment amounts.
Conversely, fixed-rate home loans provide predictable monthly payments – you will know exactly how much to pay each month for the entire loan term. While these loans may not be as flexible in terms of features, they offer borrowers certainty when budgeting for repayments.
When deciding which loan type suits you best, consider what matters most – whether it’s flexibility or the assurance of fixed monthly payments.
Which lenders do you collaborate with?
Through our connection to a mortgage aggregator, we have the advantage of accessing loan options from over 40 different lenders. This enables us to present you with multiple viable options tailored to your specific circumstances.