Mortgage & Commercial Brokerage Website Development

Olive Branch Capital (OBC) is a mortgage and commercial brokerage based in Western Sydney. Target clients: homebuyers, self-employed business owners, commercial borrowers, builders, developers, subcontractors, construction professionals, property investors. --- ## What I Need A professional, secure, compliant website that: * Establishes credibility and trust for a new brokerage * Positions OBC as a specialist in construction, commercial, and self-employed lending * Complies with all ASIC, NCCP, Privacy Act, and industry body requirements (this is a regulated industry with personal liability for the director) * Reduces administrative workload through self-service client tools * Is fully owned by OBC, portable, not tied to any aggregator or third party * Is secure, fast, and mobile responsive --- ## Brand Direction * Primary colours: Gold/Amber + Dark Navy/Charcoal * Accent: White (text on dark backgrounds) * Brand feel: Trustworthy, grounded, professional, modern, approachable. Not flashy. * Reference site: obmanagement.au (same director, similar colour direction and tone) * Typography: Modern, clean, carries weight. Open to recommendation. * Imagery: Professional photography preferred. No generic stock of smiling families with keys. Construction, commercial property, business settings. * Logo: Currently being refreshed. Final logo files (vector and PNG, colour and reversed) will be provided before build starts. --- ## Site Structure (8 Pages at Launch) ### HOME Hero section with clear value proposition (specialist broker for construction, commercial, and self-employed clients). Professional photo. Three trust signals: CRN, FBAA, AFCA. Primary CTA: Book a Call. Secondary CTA: Start Your Application (links to Middle portal). Lender panel logos. Google Reviews widget (once available). Brief overview of services linking to individual service pages. ### ABOUT Director profile with professional headshot. Background story: advisory experience in construction and SME sectors. SHARP values (Simple, Honest, Adaptable, Reliable, Professional). Credentials and qualifications. Why OBC is different from a standard broker. ### HOME LOANS Single page with sections for First Home Buyers, Refinancing, Investment Loans, Pre-Approval. Each section has a brief description and CTA to book a call or start application. No rate claims or specific product recommendations. ### CONSTRUCTION & BUILDING LOANS (KEY NICHE PAGE) Construction lending process, progress payment draws, builder requirements, cost overrun considerations, land and build packages. Speaks directly to builders, developers, and subcontractors. This is the key differentiator page. ### COMMERCIAL & BUSINESS LOANS (KEY NICHE PAGE) Commercial property finance, business lending, asset finance, equipment finance. Speaks to SME owners and self-employed borrowers. Highlights ability to understand financials (BAS, tax returns, management accounts). ### HOW IT WORKS 4-step process: (1) Book a call, (2) Complete your details via secure portal (Middle link), (3) We find your options, (4) Settlement. Simple, visual, reduces anxiety for first-time borrowers. Loan calculator embedded on this page. ### PRIVACY POLICY Full Australian Privacy Principles (APP) compliant privacy policy. Covers collection, use, disclosure, access, and correction of personal information. References Privacy Act 1988. Footer link on every page. ### DISCLAIMER & COMPLAINTS General disclaimer (general information only, not personal advice, credit assessment required). AFCA details and membership number. Internal Dispute Resolution process. Feedback mechanism. Footer link on every page. Architecture must support easy addition of future pages (blog, suburb landing pages, testimonials, additional service pages) without rebuilding. --- ## Features and Integrations ### LOAN CALCULATOR Embedded repayment calculator on the How It Works page (and optionally Home page). Must calculate repayments based on loan amount, interest rate, and loan term. Clear disclaimer that calculations are indicative only. ### ONLINE BOOKING Integration with Calendly or TidyCal (to be confirmed). Embedded booking widget or linked button on Home, How It Works, and all service pages. Booking tool will be set up separately; the website just needs the embed/link. ### MIDDLE INTEGRATION Middle is a third-party client portal for digital fact finds, ID verification, bank statement retrieval, and document collection. The website needs a prominent “Start Your Application” button on Home, How It Works, and service pages that links to the Middle portal URL. Middle handles all sensitive data. No sensitive client data is collected or stored on the OBC website. CONTACT FORM Fields: Name, Email, Phone, Enquiry Type (dropdown: Home Loan, Construction, Commercial, Refinance, Other), Message. No sensitive financial data collected via the form. DOCUMENT DOWNLOAD AREA Section where clients can download standard documents and checklists (application checklist, required documents list, privacy consent form). Downloadable PDFs uploaded by OBC. For secure document uploads FROM clients, the website directs to Middle. The website itself does not handle inbound documents containing personal financial information. GOOGLE REVIEWS WIDGET Embed Google Business Profile reviews on Home page. Initially may show placeholder until reviews are generated. ANALYTICS Google Analytics 4 on all pages. Event tracking on key CTAs (Book a Call, Start Application, Contact Form submission, Document downloads). Compliance Requirements (Non-Negotiable) This is a regulated industry. Non-compliance exposes the director to personal liability. FOOTER (EVERY PAGE) Finsure Finance & Insurance Pty Ltd, ACL 384704. OBC CRN 578313. OBC ABN. FBAA Member. Links to Privacy Policy and Disclaimer & Complaints pages. NO MISLEADING CLAIMS (ALL PAGES) No claims about “best rates”, “guaranteed approval”, “cheapest”, or specific savings. No specific rate or fee figures unless sourced and current. Overall impression must not be misleading (ASIC RG 234). ANTI-HAWKING (ALL CTAs) No unsolicited offers of credit products. CTAs must be “Enquire”, “Book a Call”, “Start Your Application”. Not “Apply Now for This Rate”. CALCULATOR DISCLAIMER Calculations are indicative only. Not a credit offer or assessment. GENERAL DISCLAIMER General information only. Not personal financial advice. Credit assessment required before any loan offer. I will provide the final wording for all compliance content. The developer is responsible for placing it correctly and ensuring it is visible and accessible as specified. Security Requirements * HTTPS enforced on all pages. Valid SSL certificate. No mixed content. * No client financial data stored, processed, or retained on the website. Contact form submissions emailed only. All sensitive data collection happens via Middle. * Cloudflare (or equivalent) web application firewall. DNS proxied through Cloudflare. * Strong password policy. Two-factor authentication on CMS login. No shared admin accounts. * Automated daily backups with minimum 30-day retention. * If WordPress: managed hosting with automatic security patches and plugin updates. If static site: minimal attack surface by design. * reCAPTCHA or equivalent spam protection on all forms. Rate limiting on form submissions. * Domain registered with VentraIP. Registrar lock enabled. Technical Requirements * Fully responsive across mobile, tablet, and desktop. Mobile-first design. * Google PageSpeed Insights score of 90+ on mobile and desktop. * Clean URL structure. Meta titles and descriptions on all pages. Open Graph tags. Sitemap.xml. Robots.txt. Schema markup for local business. * I must be able to update text content, add blog posts (future), and upload/replace downloadable documents without developer assistance. * Managed hosting recommended. Hosting account must be in OBC’s name. * Browser compatibility: Chrome, Safari, Firefox, Edge (latest 2 versions). * WCAG 2.1 Level AA compliance as a target. Alt text on all images. Keyboard navigable. Sufficient colour contrast. Ownership and IP (Critical) * All custom code, templates, and design work become the property of OBC upon final payment. * OBC must be able to move the website to a different host or developer at any time without restriction. Full source code and assets to be provided. * Domain is already registered and owned by OBC. This does not change. * Hosting account set up in OBC’s name with OBC’s payment method. * OBC to have full admin access to the CMS. No proprietary lock-in. * Any premium themes, plugins, or assets used must be identified in the quote. Licence costs and renewal obligations must be disclosed. Deliverables * Live website with all 8 pages, features, and integrations as specified * Full source code (Git repository or ZIP) including all custom code, themes, and assets * Admin credentials for CMS and hosting * Google Analytics 4 setup and access * Documentation: how to update content, add blog posts, upload documents, manage the CMS * DNS configuration instructions for VentraIP * List of all third-party licences, plugins, and recurring costs * 30 days post-launch support for bug fixes (not content changes) ## How to Quote (Please Use This Format) * Platform/technology you will use (e.g., WordPress, Next.js, Framer, Webflow, other) * Upfront build cost (fixed price, including GST) * Ongoing monthly costs (hosting, maintenance, licences, broken out individually) * Number of revision rounds included in the build price * Hourly rate for additional work beyond scope * Timeline (design, build, launch) * Confirmation of code ownership and transferability (per Ownership section above) * Examples of similar work (financial services, mortgage broking, or professional services websites) * Post-launch support period and what it covers * Any third-party licences or plugins that will incur ongoing costs