We listen before we recommend
Every engagement starts with a long conversation. We want to understand your income structure, your goals over the next 5–10 years, your tax position and how this loan fits the rest of your financial picture.
Our story
A finance practice with a long memory
MortgageHQ formally launched in 2023, but the experience behind it stretches back to 2001. Our principal team has been arranging finance for Australian families, business owners and investors since the early 2000s — through booms, corrections, the GFC, the post-COVID rate environment and everything in between.
That depth of experience is hard to replicate. We've seen what good lending structure looks like across multiple cycles, and we've watched what happens to borrowers when the structure was wrong. That memory shapes every recommendation we make.
Since 2008, our focus has been almost entirely on mortgage and property finance — residential, commercial, investment and SMSF — giving us the kind of depth in a single discipline that you can only build over many thousands of transactions.
Our approach
Strategy first. Product second. Always.
We're independent — genuinely
We're not aligned to any single lender. Our income is broker-side commissions that are largely uniform across the lender panel, so there's no financial incentive to push one product over another.
We work with your advisers
Your accountant knows your tax position. Your financial planner knows your investment thesis. Your solicitor manages your structures. We collaborate with all of them so your loan structure doesn't undermine the rest of the plan.
We solve the hard ones
Easy deals are easy everywhere. We're at our best when the file is complex — multiple entities, irregular income, prior credit issues, ATO debt, short trading history. That's where 25 years of pattern recognition pays off.
We stay involved post-settlement
Most brokers disappear once your loan settles. We schedule a review at 12 months and again every 18–24 months to make sure your loan still fits as your circumstances and the rate market move.
We document everything in writing
Recommendations, comparisons, reasoning, fees and commissions — all provided in writing before you commit. You'll never be guessing what we recommended or why.
Our network
Trusted advisers we work with
Good finance doesn't happen in isolation. Over 25 years we've built relationships with the accountants, financial planners, solicitors, conveyancers, buyers' agents and property professionals who quietly do the best work in Melbourne. We can introduce you to advisers we genuinely rate — at no cost to you, and with no kickbacks or referral fees.
Accountants
Specialists in business structuring, SMSF administration, property investor tax, and complex group structures. We work with several Melbourne firms across price points.
Financial planners
Independent and licensed planners who can frame the borrowing decision inside a longer-term wealth plan — without trying to sell you product.
Solicitors & conveyancers
For purchase, sale, refinance, commercial lease review, SMSF deed updates and trust deed amendments. Fixed-fee Melbourne firms with strong turnaround.
Buyers' agents
Established buyers' advocates across Melbourne metro and regional Victoria — particularly useful for time-poor buyers and out-of-state investors.
Property managers
Investment property management partners we've worked with for many years — boutique firms that actually answer the phone and know their suburb.
Insurance brokers
Lenders' mortgage insurance, income protection, building insurance and landlord insurance specialists. We make sure the cover fits the loan structure.
Client stories
Real outcomes for real clients
★★★★★
"The team made what felt like a daunting process completely manageable. We secured a rate the bank wouldn't touch directly and were in our first home eight weeks later."
★★★★★
"After years of being told no by the majors for our self-employed structure, MortgageHQ found a solution. Approval came within a fortnight and on competitive terms."
★★★★★
"We refinanced our commercial property and unlocked equity for a second purchase — they structured the whole deal across two lenders. Saved us hundreds of basis points."
Get in touch
Let's start the conversation
No obligation. Completely confidential. We'll respond within one business day to set up a no-pressure initial chat about your goals and the lending options available to you.
- Free initial consultation — no fees to talk
- Access to 60+ lender panel including major banks
- 25+ years of broker experience on every file
- We work with your accountant and advisers
Get in touch
Book a free consultation
Tell us a little about your situation and we'll be in touch within one business day. No obligation, completely confidential.
Ready for a smarter finance conversation?
Tell us about your situation — first home, refinance, commercial, SMSF or anything in between. We'll find the right structure across 60+ lenders. No obligation, completely confidential.