Business Details
14 Years
experience
Your Trusted Mortgage Broker in Sydney for All Loan Solutions
Founded in 2012, The Mortgage Tree has established itself as a trusted partner in financial solutions, leveraging over three decades of industry expertise. Our founder, Jason Haworth, brings 31 years of banking and finance experience from institutions like Westpac and ANZ, combining deep market knowledge with personalized service. We specialize in residential, commercial, and development loans, working with 38+ lenders to secure tailored financing options for individuals and businesses. Our process prioritizes client needs through six structured steps, from initial consultation to lifelong support. With 95% of borrowers receiving discounts below standard variable rates, we focus on optimizing financial outcomes through strategic lending.Our qualifications include advanced certifications in mortgage broking and financial services, ensuring compliance with industry standards. We maintain memberships in professional bodies and hold a Justice of the Peace accreditation, reinforcing our commitment to ethical practices. Our approach emphasizes long-term relationships, offering ongoing loan health checks and market updates to adapt to changing financial landscapes. With a track record of assisting hundreds of self-employed clients and property developers, we bridge complex financing needs with practical solutions. Our digital tools, including loan calculators and risk assessment frameworks, empower informed decision-making while maintaining a human-centric advisory process.
Services
Residential Home Loans
Business & Commercial Loans
Property Development Loans
Vehicle & Machinery Finance
Self Employed Loans
Details
- Year established: 2012
Highlights and features
- 31 years of banking and finance industry experience
- Access to 38+ lenders including major banks and boutique providers
- Personalized loan structuring for unique financial circumstances
- 95% success rate securing discounts below standard variable rates
- Specialist support for self-employed and property development clients
Associations and certifications
- Certificate IV in Finance and Mortgage Broking
- Diploma in Finance and Mortgage Broking
- Certificate III in Financial Services Tier 2
- Justice of the Peace (JP)
What people say
Very knowledgeable
Genuinely cares
Highly recommend
Professional service
Stress-free process
Services
Residential Home Loans
We provide customized residential mortgage solutions for first-time buyers, investors, and refinancers. With access to 200+ loan products across 38 lenders, we secure competitive rates and terms tailored to individual financial situations. Our service includes property investment strategies, low-doc options for self-employed clients, and comprehensive guidance through the entire loan lifecycle from application to settlement.
Business & Commercial Loans
Our commercial lending expertise spans $50,000 to $100M transactions with 15-30 year terms. We structure financing for property acquisitions, working capital, and business expansions, leveraging relationships with institutional lenders and boutique providers. Services include cash flow analysis, debt consolidation strategies, and specialized financing for sectors like hospitality, healthcare, and agribusiness.
Property Development Loans
We arrange senior debt and mezzanine financing for residential and commercial developments ranging from $1M to $50M. Our expertise covers land subdivisions, presale financing, and high-density projects with loan-to-value ratios up to 75%. We help developers navigate changing lender requirements while maintaining project profitability through strategic funding structures.
Vehicle & Machinery Finance
Our equipment financing solutions include operating leases, chattel mortgages, and hire purchase agreements for business vehicles and machinery. We offer 100% financing options with GST benefits, novated lease arrangements, and flexible terms aligned with asset depreciation schedules. This service supports businesses upgrading fleets or acquiring specialized equipment.
Self Employed Loans
We specialize in non-conforming loans for self-employed individuals using alternative documentation like BAS statements. Our services include low-deposit options, debt consolidation at home loan rates, and tailored verification processes that accommodate variable income streams while meeting lender requirements for business owners and contractors.
People
Jason Haworth
Founder & Mortgage Broker
With 31 years in banking and finance, Jason established The Mortgage Tree in 2012 after senior roles at Westpac, ANZ, and St George. His expertise spans residential and commercial lending, with a focus on personalized solutions for self-employed clients and property developers. Certified in mortgage broking and holding JP accreditation, he prioritizes long-term client relationships.
Questions
How do you work with clients throughout the loan process?
We follow six steps: initial consultation, needs assessment, option research, tailored advice, loan arrangement, and ongoing support. Clients receive lifetime assistance with loan health checks and market updates.
What loan types do you specialize in?
We handle residential mortgages, commercial loans up to $100M, property development financing from $1M, vehicle leases, and specialized solutions for self-employed individuals using alternative documentation.
How do you secure better loan rates for clients?
By accessing 38+ lenders including minor banks and boutique providers, we leverage our industry relationships to negotiate discounts below standard variable rates for 95% of our borrowers.
What qualifications do you hold?
We maintain advanced certifications including Certificate IV and Diploma in Finance and Mortgage Broking, plus Justice of the Peace accreditation, ensuring compliance with financial services standards.
Can self-employed individuals qualify for loans?
Yes, we specialize in low-doc solutions using BAS statements and accountant declarations, helping 20% of Australia's self-employed secure home loans and investment financing since 2012.