At Mortgage Mates, we believe in making home ownership a journey you don’t have to walk alone. Using a mortgage broker is like having a mate who knows the ins and outs of the mortgage world. We have access to multiple lenders and can offer a variety of loan options, which means we can find the best fit for your unique situation. Plus, we handle all the legwork, so you can sit back and focus on your home dreams.

We’re here to make your journey to home ownership as smooth and stress-free as possible. Our services are typically free for you because we receive a commission from the lender once your loan is settled. This means we’re committed to finding you the best deal, with no hidden costs or fees. We’re transparent about our fees, and we’ll discuss any potential costs upfront.

We understand that your credit score is precious, and we’re here to help protect it. When you work with us, we start by assessing your financial situation and provide advice without impacting your credit score. We only proceed with formal applications when you’re ready, minimising unnecessary inquiries. Think of it as having a mate who’s looking out for your financial well-being.

Absolutely! At Mortgage Mates, we believe everyone deserves a shot at home ownership. We work with a variety of lenders, including those who are open to helping people with less-than-perfect credit. We’ll help you understand your options and guide you towards a mortgage solution that works for you, no matter your credit history.

Your journey to home ownership starts here, no matter the size of your deposit. Generally, lenders prefer a deposit of 20% of the property’s value, but there are options available with lower 5-10% deposits, especially for first-time buyers or those with good financial standing. We’re here to help you explore these options and find a solution that works best for you.

We’re here to make the confusing world of interest rates simple and friendly. A fixed interest rate stays the same for a set period, giving you certainty with your repayments. A floating rate can change over time, which might offer more flexibility. We’ll explain the pros and cons of each and help you choose the one that best fits your needs.

We’re not just here to help you get a mortgage; we’re here to make sure it’s always the right fit for you. Whether you’re looking to refinance, restructure, or simply review your current mortgage to ensure it still meets your needs, we’re here to help. It’s like having a mate who’s always looking out for your best interests.

We understand that waiting can be stressful, and we’re here to make it as quick and easy as possible. The approval process typically takes 1 to 3 weeks, depending on your financial situation and the complexity of your application. We’ll keep you updated every step of the way and work hard to get you into your new home as quickly as possible.

We’ll guide you through the paperwork, making it feel as simple as having a chat with a friend. Generally, you’ll need proof of income, identification, and details of your current debts and assets. Don’t worry, we’ll provide a checklist and help you gather everything you need. Think of us as your mates in the paperwork maze.

Absolutely! We’re here to help you make smart moves with your money. Whether you’re looking to buy your first investment property or expand your portfolio, we’ll provide expert advice and find the right financing options for you. It’s like having a financial mate who’s always looking out for your future.

We’re here to support you, no matter what. If your application is declined, we’ll help you understand why and work with you to improve your situation. We’ll explore other options and create a plan to help you achieve your home ownership dreams. It’s all part of being your mates in this journey.

Starting your journey to home ownership is as easy as reaching out to a friend. Just get in touch with us through our website, give us a call, or drop us a message. We’ll set up a time to chat, understand your needs, and start finding the best mortgage solution for you. Let’s make your home ownership dreams a reality, together.