Residential Home Loans
Owner-occupier home loans for first-home buyers, upgraders and refinancers across Melbourne and Australia. Fixed, variable, offset and split structures.
Explore residential lending →
Why MortgageHQ
More than a mortgage — a strategy built for you
Whether you're stepping into your first home, scaling a property portfolio, financing a commercial site or structuring an SMSF purchase, the right loan is rarely the cheapest on a rate sheet. It's the one structured around how you earn, how you hold assets, and where you're heading next.
Our team has been arranging finance across Melbourne and Australia since 2001. We work with major banks, second-tier lenders, non-banks and specialist financiers to assemble solutions that genuinely fit — not just what's easiest to process.
We collaborate closely with your accountant, financial planner and solicitor so every deal is structured tax-effectively, future-proof, and aligned with the rest of your financial life.
Since 2001
Independent finance broking, built on relationships not rate sheets.
- 60+ lenders on our panel — majors, second tier, non-banks, specialists
- 25+ years arranging finance across Melbourne and Australia
- $50M+ in loans settled every year
- 4.9★ client rating, mostly referrals from past clients
What we do
Finance solutions across every stage
Premium Finance ($1M+)
Discreet, sophisticated finance structuring for high-net-worth borrowers — Toorak, Brighton, Hawthorn, Mornington Peninsula and beyond.
Explore premium finance →Refinancing
Switching lenders, unlocking equity, restructuring debt and consolidating to a single competitive position.
Refinancing →Self-Employed Loans
Full doc, alt doc and specialist lending for sole traders, company directors and trust structures. We translate complex income.
Self-employed lending →SMSF Property Loans
Residential and commercial SMSF purchases including business leaseback. Up to 80% LVR residential, 70% commercial.
SMSF lending →Property Investing
Strategy-led investment lending. Negative gearing structures, multi-property portfolios, and the mortgage elimination roadmap.
Explore property investing →Commercial Lending
Commercial property finance, business lending, working capital and asset finance for established Australian operators.
Explore commercial lending →First Home Buyers
First Home Guarantee, FHOG, stamp duty concessions and 5% deposit pathways. We map the entire scheme landscape.
First home buyers →
Plan your numbers
Free finance calculators
Run the numbers before you talk to a bank. Our calculators give you a realistic starting point on repayments, borrowing capacity, Australian stamp duty, refinance savings and how much faster you'd pay off your loan with extra repayments.
Mortgage repayments
Calculate weekly, fortnightly or monthly repayments on any loan amount, term and rate.
Run the numbers →How much can I borrow?
Estimate your maximum borrowing power based on income, expenses and dependents.
Check borrowing capacity →Stamp duty
Calculate stamp duty in any Australian state, including owner-occupier and first home buyer concessions.
Calculate stamp duty →Refinance savings
See how much you'd save in monthly repayments and total interest by switching lenders.
Estimate savings →Our lender panel
60+ lenders. One trusted broker.
We compare lenders so you don't have to — major banks, second tiers, non-banks and specialist lenders.
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."
How it works
A clear path from first call to settlement
01
Discovery call
30-minute conversation about your goals, income structure, deposit position and timeline. No fees, no pressure.
02
Strategy & lender shortlist
We map your borrowing capacity across the lender panel and identify the structures most likely to deliver the best outcome.
03
Application & approval
We assemble the application, manage every piece of documentation and liaise with the lender end-to-end through to formal approval.
04
Settlement & beyond
We coordinate with your conveyancer and the lender to settlement, then review your position annually to make sure the deal still suits.
Answers
Frequently asked questions
What does a mortgage broker actually do?
A mortgage broker compares loans across multiple lenders, structures the application around your circumstances, and manages the process from enquiry through to settlement. We act on your behalf — not the bank's — and our role is to find the structure that genuinely fits your goals rather than the product that's easiest to sell.
Does it cost anything to use MortgageHQ?
No — we're paid by the lender once your loan settles, at no cost to you. Our service from first conversation through settlement is free. Commissions are disclosed in writing before you commit, and they're structured so there's no incentive for us to push any one lender over another.
How long does the process take?
From first conversation to formal approval typically takes 2–4 weeks depending on lender turnaround times and the complexity of your situation. For straightforward PAYG borrowers we've seen approval inside 7 business days. Self-employed, commercial and SMSF deals usually take 3–6 weeks.
How many lenders do you work with?
Our panel includes 60+ lenders — the big four banks (CBA, ANZ, NAB, Westpac), second-tier banks (Macquarie, ING, Suncorp, Bank of Queensland, Bendigo), and non-bank and specialist lenders (Pepper, Liberty, Resimac, Firstmac and others) for clients the majors won't touch. We choose the right lender for your file, not the one that pays best.
Can you help if I've been knocked back by a bank?
Yes — knockbacks are common and usually mean the wrong lender was approached, not that you're un-bankable. We've placed clients with credit defaults, ATO debt, short ABN histories, complex trust structures and irregular income with mainstream and specialist lenders. The first step is understanding why the decline happened and which lender's policy actually fits.
Do you work with self-employed borrowers?
Self-employed lending is one of our specialist areas. We handle full doc applications using two years of tax returns and financials, alt doc structures using BAS plus accountant declaration, and specialist lending for situations like ATO debt or short ABN histories. See our self-employed lending page for the full breakdown.
How much deposit do I actually need?
It depends on the loan type and lender. As a guide: 5% deposit for First Home Guarantee scheme participants, 10–20% standard, 20%+ to avoid Lender's Mortgage Insurance (LMI). For commercial and SMSF lending the deposit requirement is higher (typically 20–30% commercial, 20–30% SMSF residential, 30%+ SMSF commercial). We'll map your specific position in the initial consultation.
Where are you based and who do you service?
Our office is at 459 Church St, Richmond VIC 3121. We work with clients across Melbourne and all of Australia — most of our process is remote (video calls, electronic document signing, e-conveyancing) so location is rarely a barrier. Local Melbourne clients are welcome to meet in person.
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.