Business Details
23 Years
experience
Your Trusted Mortgage Broker for Home & Investment Loans
We are Mortgage Experts, a locally owned mortgage broking firm based on Sydney's Northern Beaches. Since 2003, we have approved over one billion dollars in loans for our clients across Australia. Our team specialises in structuring investment loans to maximise flexibility and minimise future lending obstacles. We hold a full Australian Credit Licence and maintain membership with the Mortgage and Finance Association of Australia. As an authorised credit representative, we operate under strict regulatory standards and hold professional indemnity insurance exceeding two million dollars.We offer access to more than twenty lenders and can negotiate competitive rates on your behalf. Our service is free for most home and investment loans, saving you both time and money. We excel in complex scenarios including high loan-to-value ratio lending, unusual property types, and non-standard income situations. Over eighty-five percent of our business comes from referrals, reflecting the trust our clients place in us. We are committed to guiding you through every step of the loan process with transparency and care.
Services
Investment loan structuring
High LVR home loans
Unusual property financing
Non-standard income loans
First home buyer assistance
Refinancing existing loans
Cross collateralisation advice
Trust lending structures
Mortgage offset accounts
Genuine savings assessment
Details
- Year established: 2003
Highlights and features
- We have approved over $1 billion in loans since 2003.
- We offer fee-free service for most home loans.
- We specialise in high LVR lending up to 95%.
- We access 20+ lenders to negotiate your best rate.
- Over 85% of our business comes from client referrals.
Associations and certifications
- Mortgage and Finance Association of Australia (MFAA)
- Australian Financial Complaints Authority (AFCA)
- Australian Credit Licence (391230)
Services
Investment loan structuring
We design tailored investment loan structures that align with your long-term property goals and maximise future borrowing capacity. Our advice covers security structures, lender concentration risks, and strategies to avoid servicing or valuation roadblocks. We map out a comprehensive credit plan considering your portfolio growth and changing financial circumstances.
High LVR home loans
We specialise in securing home loans up to 95 per cent loan-to-value ratio for both owner-occupied and investment properties. Our deep understanding of lender risk appetites and mortgage insurer policies ensures we match you with the right lender first time. We structure high LVR loans to minimise mortgage insurance costs and avoid cross-collateralisation where possible.
Unusual property financing
We navigate lender restrictions on unusual property types including small apartments under fifty square metres, multiple units on one title, serviced apartments, and postcode-restricted locations. Our expertise identifies lenders who accept these securities at competitive loan-to-value ratios without excessive pricing. We ensure you do not miss investment opportunities due to overly conservative lending policies.
Non-standard income loans
We assist borrowers with complex income situations including self-employed applicants with variable earnings, contractors, commission-based earners, and those on probation or maternity leave. Our experience with diverse lender policies allows us to present your income in the most favourable light for approval. We have successfully secured loans for clients declined by mainstream lenders due to unconventional employment structures.
First home buyer assistance
We guide first home buyers through the entire loan process from deposit assessment to settlement, explaining genuine savings requirements and lenders mortgage insurance implications. Our brokers compare options across twenty-plus lenders to find the most suitable loan structure for your circumstances. We simplify complex terminology and ensure you understand all costs and obligations before committing.
Questions
What areas do you service?
We primarily service Sydney's Northern Beaches and North Shore but can assist clients Australia-wide via phone and online.
Do you charge fees for your mortgage broking service?
We do not charge fees for most home or investment loans as we are paid by the lender upon settlement.
What is the maximum loan-to-value ratio you can arrange?
We specialise in high LVR lending up to 95 per cent for both owner-occupied and investment properties in New South Wales and Queensland.
Can you help with complex loan structures like trusts or companies?
Yes, we provide expert advice on lending through discretionary trusts, unit trusts, self-managed super funds, and company structures for asset protection and tax planning.
How many lenders do you have access to?
We maintain standing arrangements with over twenty lenders and can work with any lender willing to cooperate with our brokerage.
What qualifications do your brokers hold?
Our brokers hold Certificate IV in Financial Services (Mortgage Broking), are MFAA members, and operate under an Australian Credit Licence with AFCA membership.
