MortgagaeHQ
Finance Above $1 Million. Structured For Your Ambitions.
Finance Above $1 Million.
Structured For Your Ambitions.
When the numbers get bigger, the stakes get higher and the strategy needs to be sharper. Mortgage HQ is Melbourne's specialist finance broker for high-value lending — residential, commercial, development, and SMSF.
Not Every Broker Can Handle This.
Most finance brokers are built for standard residential deals. When you're borrowing above $1 million, the lender landscape changes, the serviceability rules shift, and the structure of your loan can make or break your tax position, your cashflow, and your exit strategy.
At Mortgage HQ, high-value lending is not a specialty — it's our standard. With over 25 years of finance experience across residential, commercial, development, and self-managed super, we know what it takes to get complex deals across the line.
Built for High-Value Borrowers.
Whether you're acquiring your forever home in an inner Melbourne suburb, expanding a commercial portfolio, or structuring a development site purchase, we work with borrowers who need more than a cookie-cutter home loan.
Owner-Occupied Prestige Properties
Buying a home valued above $1M in Melbourne's premium suburbs — Brighton, Toorak, South Yarra, Hawthorn, or the Mornington Peninsula? We navigate high-value residential lending with precision, accessing lenders who understand these markets and provide competitive rates at scale.
Investment Property Portfolios
Adding a $1M+ investment property to your portfolio requires careful structuring. We assess your existing debt, cross-collateralisation risk, and cashflow to build a loan structure that doesn't hold your whole portfolio hostage to one lender's policy.
Commercial Property Acquisition
Buying a warehouse, office, industrial or retail premises? Commercial lending above $1M is a different product category — with different LVRs, different valuations and different lender appetites. We know exactly who is active in this space right now.
SMSF Property Investment
Using your self-managed super fund to acquire property above $1M requires specialist structuring. Limited recourse borrowing arrangements inside an SMSF have strict rules — we ensure the setup is compliant, efficient, and appropriately leveraged.
Construction & Development Finance
Funding a construction project or residential development above $1M requires staged drawdowns, quantity surveyor oversight, and lenders experienced with construction risk. We manage the full finance lifecycle from site acquisition to completion.
Self-Employed & Complex Income
High earners with complex income structures — business owners, contractors, directors — often find mainstream lenders unhelpful. We access specialist lenders who properly assess your true borrowing capacity, not just last year's tax return.
How We Approach High-Value Finance.
A $1M+ loan is rarely straightforward. We take the time to understand your full financial picture before we approach a single lender — because the right structure matters as much as the rate.
Strategic Consultation
We assess your goals, current portfolio, income structure, and timeline to identify the right loan structure before we look at any lender.
Lender Landscape Review
We identify which lenders are active and competitive for your specific deal size, property type, and borrower profile — not just the default majors.
Structure & Application
We prepare a complete, compelling application package — including income evidence, asset schedules, and any supporting documentation required for complex deals.
Approval to Settlement
From conditional approval through valuation, formal approval, mortgage documents and settlement — we manage every step, keeping you informed at all times.
The Difference a Specialist Makes.
Optimal Loan Structure
The wrong structure on a $1.5M loan can cost you tens of thousands in unnecessary interest, fees, or tax. We build the structure around your strategy, not around lender convenience.
Access to the Right Lenders
Not every lender is competitive above $1M. We know who offers genuine flexibility on high-value residential, commercial, and SMSF lending — and who to avoid.
Complex Income Assessed Fairly
Business owners, investors, and self-employed borrowers are often underserved by mainstream lenders. We ensure your true borrowing power is properly represented.
Construction & Development Ready
We have deep experience in funding construction projects and developments — from small residential builds to multi-lot subdivisions requiring staged finance.
SMSF Structuring
Limited recourse borrowing inside an SMSF is one of the most complex lending products in Australia. We've done it many times — correctly.
Ongoing Portfolio Support
Our relationship doesn't end at settlement. As your portfolio grows, we're here to reassess, refinance, and restructure as your circumstances evolve.
Let's Discuss Your $1M+ Finance Strategy.
Whether you're at the planning stage or ready to move, a conversation with our team costs nothing and could save you a great deal. Let's find the right structure for your ambitions.
Mortgage HQ is an authorised credit representative. All applications subject to lender assessment, credit criteria, terms and conditions. This content is general in nature and does not constitute financial advice.