HOME LOANS.

SIMPLIFIED.

DISCOVERY CALL

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Tailored mortgage advice from an experienced broker

We don't charge any fees for our services at any time

Access to over 400 loans from over 40 different lenders

400+ Loans From 40+ Lenders For You To Choose From

Mortgage Hub is a multi award winning, family owned mortgage brokerage built to support everyday Australians through the ups, downs and head scratching moments of getting a home loan.

With over 34 years of combined industry experience, we’ve helped thousands of clients navigate the complex world of lending, delivering high approval rates, tailored advice and a level of customer service that keeps people coming back.

We specialise in helping self employed Australians who are often overlooked or misunderstood by the big banks. Whether you’re a sole trader, contractor or company director, we understand how your income works and know exactly which lenders to approach to get the job done. No fluff. No red tape. Just solutions that make sense for you and your business.

We’re straight shooters. No pushy sales tactics, just honest mortgage advice backed by integrity, professionalism and a genuine desire to see our clients succeed.

With more than 160 five star reviews and a business built mostly on referrals and repeat customers, we’re proud to be a trusted name in our community.

At Mortgage Hub, our mission is simple. Make the process easy, deliver great outcomes and support you every step of the way. Whether it’s your first home, next move or investment journey, we’ve got your back.

97% APPROVAL RATE

$270mil+ APPLICATIONS

140+ 5 STAR REVIEWS

The Home Loan Journey

1. Discovery Call

Review your loan needs over the phone to get an understanding of your goals, financial situation and requirements.

2. Borrowing Capacity

We'll calculate your borrowing power and let you know what your maximum loan amount and purchase price will be.

3. Loan Options

We'll give you a detailed loan comparison of your most suitable loans and make recommendations

4. Lodgement

When you're ready to proceed, we will assemble the loan application for you and liaise with the lender on your behalf.

5. Pre-Approval

This gives you the confidence to start your property search, knowing your loan is pre-approved subject to finding a suitable property.

6. Formal Approval

Once you find a property, we get your loan loan is formally approved. Working with your lender and solicitor to prepare for settlement.

7. Property Settlement

Settlement occurs, your new loan is set up, and you get the keys to your new home.

8. Ongoing Support

We keep in touch over the full life of your loan to ensure it continues to be the right option for you and your changing needs.

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Frequently Asked Questions

What is an independent mortgage broker?

An independent mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders and is not owned by a bank or lender (which could cause a conflict of interest). They help individuals and businesses find suitable mortgage loans, comparing rates and terms from various lenders to find the best option for their clients.

How does the process work?

You'll need to complete a discovery meeting with us to determine your goals and your current financial situation. If your situation is achievable, you'll be required to submit financial documents to narrow down your lending options.

These options are presented to you along with a recommendation. It's then your choice as to which lender you'd like to proceed with. Your broker will then arrange your application.

What are the benefits of using a mortgage broker?

There's a reason why over 72% of all new mortgages are introduced by a mortgage broker. Using a mortgage broker can save you time and effort by helping you navigate the complex mortgage market. They often have access to a wide range of lenders and can help you find the best mortgage deals tailored to your specific financial situation. This saves you from doing the research yourself.

Can I negotiate the terms of my mortgage through a broker?

Yes, a mortgage broker can help you negotiate certain terms of your mortgage, such as interest rates, repayment terms, and closing costs, with the lender on your behalf. They can leverage their knowledge and relationships with lenders to help you secure more favourable terms.

How do mortgage brokers get paid?

At Mortgage Hub, we do not charge upfront fees to our customers. Mortgage brokers can be paid in several ways. They may charge borrowers directly, typically a small percentage of the loan amount. Alternatively, they might receive a commission from the lender, or a combination of both. It's crucial to discuss payment details with your broker upfront.

What lenders do you have access to?

We have partnerships with over 40 different lenders offering over 400+ loan products. We have access to the major lenders like CBA, ANZ, NAB and Westpac. Other lenders like ING, Bankwest, Macquarie and Suncorp. Smaller lenders like Mutual Banks, Credit Unions and Building Societies. We also have access to online lenders like uBank and Kudos.

How do I choose a mortgage broker?

When selecting a mortgage broker, consider their experience, reputation, and track record. Look for recommendations from friends or family, and check online reviews. It's essential to find a broker who understands your needs and can offer suitable mortgage options.

What documents do I need to provide?

Typically, you'll need to provide documents such as proof of income, tax returns, bank statements, employment verification, and identification documents. The specific requirements may vary depending on the lender and the type of loan you're applying for.

I'm not in the Northern Beaches, can you still help?

Totally! We can complete the entire process online and over the phone. There's no need to physically be in Sydney to use our services.