MortgagaeHQ
Tailored Solutions for
your needs
lending services
Residential Lending
Whether you're buying a new home or an investment property, maybe it's your first home or you've purchased before. House, townhouse, apartment a block of land or your constructing a home.
Mortgage HQ is here to help.
With access to over 60 lenders and hundreds of loan products, our team can tailor a solution to suit your personal needs and circumstances.
The world of finance can feel complicated and overwhelming — but that's exactly where we come in.
Home Loans
Whether it's your first home or you've purchased multiple times before, whether you're self-employed or have a complex financial situation, it's rarely as difficult as it seems. Don't have a large deposit? Other debts such as car loans or credit cards? Money owing to the ATO? Or perhaps you're building your dream home? Whatever your situation, there isn't a scenario we haven't seen — and there's almost always a solution. From the big banks to credit unions and smaller lenders you may never have heard of, the market is full of options to suit all borrowing needs. We'll do the hard work of finding the right fit for you. Want to learn more? Explore our site for a general overview of home loan options,or get in touch with our team for personalised advice tailored to your specific situation.
Investment Loans
Investment loans work in a similar way to a standard home loan, but they come with their own set of rates, fees, and features worth understanding.
Whether you're purchasing your first rental property or looking to grow an existing portfolio, there are plenty of options available to suit your situation.
Investment loans are typically interest-only which can help keep your costs down in the early stages. There can also be potential tax benefits, such as tax-deductible interest, which may work in your favour come tax time — though we'd always recommend speaking with your accountant about what applies to your personal circumstances.
Understanding the loan type, interest rate, and features available can have a real impact on the return you get from your investment.
Interest Rates
Principal and Interest (P&I) repayments Principal and Interest repayments are regular loan payments that cover both the amount you borrowed (principal) and the cost of borrowing (interest). Over time, these repayments gradually reduce your loan balance while also paying interest, helping you steadily build equity in your property. Interest-only repayments Interest-only repayments allow you to pay only the interest on your loan for a set period, usually 1–5 years. During this time, the principal remains unchanged, so repayments are lower initially. Once the interest-only period ends, repayments increase as you start paying off the principal. This option is often used by property investors to manage short-term cash flow. Fixed rate loans Fixed rate loans have an interest rate that is locked in for a specific period, typically 1–5 years. This keeps your repayments stable, protecting you from rate increases. However, if interest rates fall, you won’t benefit from the lower rates until the fixed term ends.
Self Employed
If you're self-employed and run your own small business, you've probably already discovered that getting a home loan approved isn't always straightforward. Traditional lenders like the big banks typically want to see up-to-date tax returns and no outstanding tax debt — and if your finances don't tick every box, securing approval can feel like an uphill battle. There are specialised lenders out there who look beyond the paperwork and assess your application based on your individual situation. They understand that being self-employed doesn't mean you're a financial risk — it just means your income might look a little different on paper. These types of loans can sometimes come with a slightly higher interest rate or some additional upfront fees, but the process is often far simpler than you'd expect. In many cases, all that's needed is some basic information from you and your accountant to get the ball rolling.
Government Schemes
5% Deposit Scheme
The Australian Government’s 5% deposit home buyer scheme (part of the Home Guarantee Scheme) allows eligible buyers to purchase a home with as little as a 5% deposit, without paying Lenders Mortgage Insurance (LMI). Instead, the government guarantees a portion of the loan, helping borrowers access standard home loans sooner and with lower upfront costs. The scheme is open to first home buyers and eligible returning buyers, with even lower deposit options (from 2%) available for single parents.
Following recent expansions, the scheme now has no income caps and no limit on places, making it more widely accessible. Buyers must still meet lender requirements and purchase within regional price caps, and the home must be owner-occupied. While the scheme helps people enter the market sooner, borrowers should be aware they are taking on a higher loan amount, which can mean higher repayments over time.
Help to Buy Scheme
The Help to Buy Scheme helps eligible buyers purchase a home by contributing up to 30% or 40% of the property’s purchase price. This allows buyers to enter the property market with a deposit as low as 2%, making it easier for those who may struggle to save a larger deposit. Applications opened on December 5, 2025, and the program aims to support 40,000 households in buying a new or existing home
Stamp Duty Discount (FHB)
First home buyers (FHB)
FHB in Australia may be eligible for full or partial stamp duty (transfer duty) exemptions, depending on the state or territory, property value, and eligibility criteria. Stamp duty is a government tax applied when property ownership is transferred, and it can be a significant upfront cost, but concessions are available to help make home ownership more accessible.
While requirements vary by location, buyers generally must be purchasing their first home to live in, meet minimum age requirements, and buy within certain property value thresholds. In most cases, the property must be owner-occupied for a minimum period, typically around 12 months, to qualify for these concessions.
Stamp Duty Discount (PPR)
Principal Place of Residence (PPR) Owner-occupiers purchasing a Principal Place of Residence (PPR) in Australia may be eligible for stamp duty (transfer duty) concessions, which can significantly reduce upfront purchase costs. These discounts are offered by state and territory governments and are designed to support buyers who intend to live in the property, rather than investors. Eligibility and discount amounts vary by location, but generally require the property to be owner-occupied, meet specific value thresholds, and be lived in for a minimum period (commonly at least 12 months). In some cases, additional benefits may apply for first home buyers, further reducing or eliminating stamp duty altogether.
Family Gaurantee
The family guarantee structure allows a borrower to purchase a property with little or no deposit by using a family member’s property (usually parents) as additional security. Instead of contributing cash, the guarantor offers part of their home equity to effectively reduce the borrower’s Loan-to-Value Ratio (LVR) to below 80%, which helps avoid Lenders Mortgage Insurance (LMI) and can increase borrowing capacity. Across major lenders, the guarantee is typically limited (not for the full loan) and only covers the portion needed to bring the loan under 80% LVR. The borrower must still meet full serviceability requirements, and the guarantor’s property is only at risk for the guaranteed portion. Over time, once the borrower builds sufficient equity (usually 20%), the guarantee can be released.
Self Managed Super (SMSF)
Borrowing through a Self Managed Super Fund (SMSF) is a strategy that allows everyday Australians to diversify their investments and build long-term wealth through property — even if purchasing in their own name isn't currently an option. While the idea of borrowing through your super might sound complex, it's more straightforward than most people think. There are specific steps and requirements to satisfy — both from a government regulation standpoint and a lender perspective — but with the right guidance, the process is very manageable. Because your superannuation is intended for your retirement and generally can't be accessed until you reach preservation age, any borrowing within an SMSF is subject to additional regulations to protect your retirement savings. This simply means there's a clear structure that needs to be followed. To get started, you'll need to establish a Self Managed Super Fund, which involves setting up a company and a trust. It sounds more daunting than it is — and our team can walk you through exactly what's involved and connect you with the right professionals to get everything set up correctly.
Lending (other terms)
Offset accounts
An offset account is a transaction account linked to your home loan. The balance in this account reduces the amount of your loan that interest is calculated on, helping you pay less interest and potentially shorten your loan term.
Redraw facility
A redraw facility lets you access any extra repayments you’ve made on your loan. It gives flexibility to withdraw funds if needed while still helping you reduce interest by paying down your loan faster.
LVR (Loan-to-Value Ratio)
LVR is the percentage of a property’s value that you are borrowing. A higher LVR means more risk for the lender, and loans above 80% usually require Lenders Mortgage Insurance (LMI).
LMI (Lenders Mortgage Insurance)
LMI protects the lender if you borrow more than 80% of your property’s value. It’s typically required for smaller deposits and can be paid upfront or added to your loan.
Loan Term
The loan term is the length of time you have to repay your home loan. Typical loan terms are for a max of 25-30yrs. Longer terms reduce monthly repayments but increase total interest, while shorter terms have higher repayments but lower overall interest
*Some lenders now offer a loan term of 40yrs for clients who qualify.
Pre Approval
Home Loan Pre-Approval A home loan pre-approval is a conditional agreement from a lender that indicates how much you may be able to borrow before you find a property. It gives you a clear budget, strengthens your position when making an offer, and helps speed up the formal loan approval process once you find your home. Pre-approval is usually valid for a set period, typically 60-90 days but could be extended for up to a further 90 days depending on the lender.
Construction
Whether you're purchasing land to build your dream home, knocking down an existing property to start fresh, or developing one or more properties as an investment — we can help arrange the right construction finance and guide you through the entire process. Construction loans are based on the anticipated end value of the completed property, as assessed by a licensed valuer. This takes into account your plans, design, finishes, and comparable sales in the local area, giving lenders confidence in the project from day one. Funds are released in stages — known as progress payments — directly to your builder, in line with your building contract. Typically, you'll cover the land purchase and your initial contribution first, with the lender releasing the remaining funds as each stage of construction is completed. While construction lending can seem complex, it's actually a structured and straightforward process when managed correctly. We're here to support you every step of the way — making it simple, clear, and stress-free from start to finish.
Off the Plan
Purchasing off the plan — whether it's a new home, townhouse, unit or apartment — is an exciting step, but with settlement sometimes months away it's natural to have questions about where you stand financially. At Mortgage HQ, we can help you secure a pre-approval specifically tailored to off-the-plan purchases, giving you the confidence to move forward today — whether settlement is 6, 9 or 12 months away. Our pre-approval process confirms your borrowing capacity and helps ensure the property you're buying will meet lender requirements when the time comes. That means both your finances and your property are aligned from the start, with no nasty surprises down the track. We know the waiting period can feel uncertain, so we're with you every step of the way — from initial pre-approval right through to final settlement. We'll keep you informed, answer your questions along the way, and make sure everything stays on track so you can get on with everyday life with complete peace of mind.
Vehicle Finance & Personal Loans
Whether you're upgrading the family car or planning your next purchase, Mortgage HQ is here to help make it happen. We work with a wide range of lenders across Australia to find competitive rates and flexible repayment options that fit comfortably within your budget — whether the vehicle is brand new or used, purchased through a dealership or from a private seller. We take the time to understand your family's situation and match you with the right solution, without the stress. We also offer personal loan solutions starting from $10,000 to cover a wide range of needs — from upgrading furniture or replacing white goods to consolidating existing debt. The process is quick and straightforward, giving you fast access to funds when you need them most. From application to approval, our goal is to keep things simple, transparent, and supportive every step of the way — so you can focus on what matters most: your family.