Business Details
12 Years
experience
Your Trusted Mortgage Broker in Melbourne
Rosh Partners was founded by two brothers with over 20 years of combined experience in the mortgage and finance industry. Our vision was to create a company centred on trust, integrity, and personalised service, making homeownership more accessible and rewarding for clients from all walks of life. We specialise in tailored mortgage solutions for first-home buyers, property investors, and Australian expats, leveraging our deep industry expertise and partnerships with over 65 lenders.Our hands-on approach ensures we remain directly involved in every aspect of the business, providing direct broker contact, periodic home loan reviews, and strategic planning aligned with clients' unique financial goals. With a commitment to excellence, we have earned industry recognition and a reputation as leaders in mortgage broking, combining technical expertise with a client-first philosophy to deliver exceptional service and long-term value.
Services
First Home Loans
Investment Property Loans
Refinancing Services
Business Loans
SMSF Loans
Construction Loans
Motor Vehicle Loans
Family Pledge Loans
Details
- Year established: 2014
Highlights and features
- We have 20 years of professional experience ensuring mortgages are set up quickly and efficiently.
- We offer periodic annual home loan reviews to maintain competitive rates over time.
- Direct broker contact is provided throughout the entire application process.
- Flexible planning tailors mortgage solutions to your unique financial situation and lifestyle.
- Access to hundreds of mortgage products from over 65 lenders ensures optimal loan selection.
Services
First Home Loans
We specialise in guiding first-home buyers through the mortgage process with tailored solutions. Our brokers educate clients on loan structures, government schemes like the First Home Guarantee, and deposit requirements. By aligning loans with long-term financial goals, we help clients avoid Lenders Mortgage Insurance and secure competitive rates, ensuring a simpler, clearer path to homeownership.
Investment Property Loans
Our investment loan services focus on wealth creation through property. We model financial scenarios considering interest rates, rental yields, and tax benefits. With access to 65+ lenders, we secure competitive terms, including interest-only options and LMI waivers for eligible professionals, ensuring investment portfolios are structured for growth and tax efficiency.
Refinancing Services
We help clients reduce interest costs and improve loan terms through strategic refinancing. Our brokers analyse market rates, equity positions, and repayment capacities to identify savings. Whether consolidating debt or shortening loan terms, we streamline the process to lower payments and enhance financial flexibility without unnecessary complexity.
Business Loans
Our business loan solutions cater to purchasing assets, commercial fit-outs, or expanding operations. We connect clients with lenders offering competitive rates for equipment financing, chattel mortgages, and working capital. By assessing cash flow and growth plans, we structure loans that align with business objectives while minimising financial strain.
Family Pledge Loans
We facilitate family pledge loans allowing borrowers to secure financing with a family member's equity as security. This eliminates the need for large deposits and LMI, enabling first-home buyers to enter the market sooner. We guide both borrowers and guarantors through the process, ensuring clarity on obligations and risks involved.
People
Alan Harrosh
Director and Co-Founder
Alan co-founded Rosh Partners after gaining financial planning expertise in London. With over 20 years in mortgage broking, he focuses on strategic client relationships and industry leadership. A dedicated father and musician, Alan combines professional rigor with a passion for helping clients achieve financial goals through tailored solutions.
Mark Harrosh
Director and Co-Founder
Mark has 19 years of experience in finance and specialises in SMSF loans. As a property investor himself, he prioritises client satisfaction by delivering customised mortgage solutions. Outside work, he enjoys sports and family time, reflecting his commitment to balancing professional excellence with personal values.
Campbell Morrow
Mortgage Broker
Campbell transitioned to mortgage broking after seven years at Bank of Queensland, where he specialised in commercial clients. His expertise in complex financial structures helps clients navigate property ownership challenges. Outside work, he enjoys outdoor activities and spending time with family.
Questions
What deposit is required for a first home loan?
Deposits typically range from 5% to 20% of the property's value. LMI waivers and government schemes like the First Home Guarantee may allow 5% deposits without LMI.
How can I reduce interest costs on an investment loan?
Consider interest-only repayments for cash flow flexibility, leverage tax deductions on interest expenses, and refinance periodically to secure competitive rates.
What are the benefits of mortgage pre-approval?
Pre-approval clarifies your budget, strengthens buyer credibility, and accelerates loan finalisation. It helps identify potential issues early, ensuring a smoother purchasing process.
Can I use equity from my current home for a new purchase?
Yes, equity can fund a new property deposit. We assess borrowing capacity and structure bridging finance or investment loans to facilitate seamless transitions.
How does a family pledge loan work?
A family member's property equity secures the loan, allowing lower deposits without LMI. Guarantors assume repayment responsibility if needed, requiring clear risk understanding.
What documents are needed for a business loan?
Lenders typically require financial statements, tax returns, business plans, and identification. Specific requirements vary by lender and loan type.
