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Ultra Home Loans Ultra Home Loans
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Your Trusted Mortgage Broker in Australia
At Ultra Home Loans, we specialise in mortgage broking and lending, dedicated to helping clients navigate the complexities of home loans and investment financing. With a focus on transparency and client-centric service, we work closely with first home buyers, investors, and refinancers to identify competitive loan products tailored to individual financial circumstances. Our brokers collaborate with leading lenders and service providers, such as real estate agents and conveyancers, to streamline the loan process.

We prioritise your best interests, offering personalised guidance and support from initial consultation through to loan settlement. Our commitment to excellence ensures clients receive informed advice, access to diverse loan options, and peace of mind that their financing aligns with their long-term goals.
Services
First Home Buyers Investment Loans Asset Finance Fixed Rate Loans Honeymoon Loans Bridging Loans Loan Refinancing Mortgage Broking Financial Planning Tax Benefit Optimization
Highlights and features
  • We offer tailored loan solutions from a panel of leading lenders
  • Our brokers have extensive experience in mortgage broking and lending
  • We work closely with your real estate agent and conveyancer
  • We provide proactive service and support throughout the loan process
  • We are authorised under Australian Credit Licence 389328
Associations and certifications
  • Australian Securities and Investments Commission (ASIC)
Update Listing
Services
First Home Buyers
We specialise in guiding first home buyers through the loan process, helping identify eligibility for grants and competitive financing options. Our brokers explain loan features like interest rates, repayment structures, and deposit requirements. We connect clients with lenders offering tailored solutions for purchasing their first property.
Investment Loans
Our investment loan services focus on structuring finance to maximise returns for property investors. We collaborate with accountants and financial planners to optimise loan setups for tax efficiency and asset growth. Clients gain access to competitive rates and flexible terms suited to their investment strategies.
Asset Finance
We provide asset finance solutions for private and commercial vehicles, plant equipment, and business assets. Options include personal loans, leases, and chattel mortgages tailored to clients' financial circumstances. Our brokers help secure financing that balances affordability with long-term value.
Fixed Rate Loans
Fixed rate loans offer repayment certainty by locking in interest rates for 1-5 years. We explain trade-offs like limited features versus budget predictability. Clients benefit from competitive fixed-rate options and expert advice on suitability for their financial goals.
Bridging Loans
Bridging loans address financing gaps when purchasing new properties before selling existing ones. We assess equity and repayment capacity to structure short-term solutions. Clients receive guidance on alternatives and costs associated with this high-interest financing option.
People
Tracey Sawyer
Mortgage Broker
Tracey Sawyer is a qualified mortgage broker with extensive experience in helping clients achieve finance goals through tailored loan solutions.
Kim O'Connor
Mortgage Broker
Kim O'Connor is a professional mortgage broker dedicated to providing personalised support and competitive loan options for home buyers and investors.
Questions
What does a mortgage broker do?
Mortgage brokers help determine borrowing needs, compare loan products from multiple lenders, and recommend solutions aligned with your financial goals and circumstances.
Do you charge fees for home loans?
Some brokers charge fees disclosed upfront, but lenders typically pay our commission. Your loan costs depend on the product chosen, not broker fees.
How much can I borrow?
Borrowing capacity depends on income, employment, deposit, expenses, and liabilities. Use our calculator or contact us for a personalised assessment.
Should I choose fixed or variable rates?
Fixed rates offer repayment certainty, while variable rates provide flexibility. We recommend options based on your priorities for budgeting or adaptability.
Can you help if I'm not in your local area?
Yes, we operate as mobile brokers and can assist clients Australia-wide through virtual consultations and remote support.