Residential Lending
Owner-occupier home loans across all lender types. Variable, fixed, split, offset, line-of-credit and bridging structures.
Residential lending →
Full service list
Every lending discipline under one roof
MortgageHQ operates as a full-service finance broking practice. Whether you're a PAYG first home buyer or a commercial investor running multiple entities, the same team handles your file — with deep specialist knowledge across each discipline below.
Premium Finance ($1M+)
Discreet, sophisticated finance for high-net-worth borrowers, including private banking and credit relationships.
Premium finance →Refinancing
Switching lenders, restructuring, debt consolidation and equity release for renovation, investment or business.
Refinancing →Self-Employed Loans
Full doc, alt doc and specialist finance for sole traders, company directors, partnerships and trust structures.
Self-employed →Low Doc Loans
Alt doc home and investment lending using BAS, accountant declaration and bank statement evidence pathways.
Low doc loans →Construction Loans
Staged drawdown finance for knock-down rebuilds, renovations, owner-builders and full custom builds.
Construction loans →SMSF Lending
Residential and commercial SMSF property purchases, including business premises leaseback strategies.
SMSF lending →Property Investing
Strategy-led investment finance — negative gearing, depreciation, debt recycling and mortgage elimination structures.
Property investing →Development Finance
Multi-unit, subdivision, townhouse and apartment development finance from $1M to $100M+.
Development finance →Commercial Lending
Commercial property finance, business lending, working capital, equipment finance and private credit pathways.
Commercial lending →First Home Buyers
FHG, FHOG, stamp duty concession structures and pathways to 5% deposit home ownership in Victoria.
First home buyers →Bridging Finance
Short-term lending to buy your next property before settling the sale of your existing home. Up to 12 months.
Bridging finance →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."
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.