Why Partner with Mortgage Street?
Fast approvals for PAYG and self-employed applicants Competitive interest rates with multiple fixed and variable options Loan terms aligned with investment and owner-occupied strategies Optional 100% interest offset account Access to digital tools and personalised support from our experienced broker team Give your prime clients the lending advantage they deserve—partner with Mortgage Street today.
Bad Credit Home Loans – Rebuild & Refinance with Confidence Help your clients overcome financial setbacks with our bad credit residential loan options. At Mortgage Street, we understand that life happens—and we're here to support brokers assisting clients with impaired credit, defaults, discharged bankruptcies, or other challenges.
Key Features for Credit-Impaired Clients
- Tailored residential home loan solutions for discharged bankrupts, low credit scores, or late repayments
- Flexible LVRs, risk-based pricing, and limited-doc options
- Debt consolidation and refinance options to assist in financial recovery
- Manual credit assessment supported by real people who understand complex cases
- Support your clients' financial reset journey—partner with a lender that says yes more often
Residential Loans for Unique Situations – We Say Yes Where Others Won’t Empower your clients with unique income, entity, or property scenarios. Whether it’s a trust structure, non-resident applicant, SMSF residential investment, or irregular income stream, Mortgage Street supports brokers navigating unconventional paths to home ownership and investment. Solutions for Non-Conforming and Diverse Borrowers Residential lending for trusts, SMSFs, and company borrowers Flexible assessment for self-employed, freelancers, and contractors Acceptable income sources include foreign income, rental yield, and dividends Custom loan structuring and real-time pre-assessment guidance When banks say no, we open the door. Partner with Mortgage Street to solve the complex."
Our satisfied mortgage brokers are a testament to the exceptional service and mortgage solutions we provide. As a licensed mortgage broker, you can deliver success stories to your customers by partnering with us, knowing we are a diversified lender who can find a solution for almost every scenario.
Our lender-backed expertise, we offer the best mortgage & personal loan solutions for most customer & security types across the entire credit spectrum. When you choose Mortgage Street, you get access to unrivalled service and customised mortgage solutions designed to meet your clients’ unique needs. Empower your brokerage with our proven, flexible options and ensure your customers achieve their homeownership goals with confidence. Partner with Mortgage Street today to provide top-tier, reliable mortgage options that drive customer satisfaction and grow your business
Lender, Residential properties classifications:
Help your customers unlock the potential of mixed-use residential properties over commercial premises with our flexible financing options. As a trusted lender, we offer up to 85% LVR, giving your clients the ability to maximise their investment opportunities. Our tailored loan solutions ensure you provide the best outcomes for your customers, backed by expert support every Unlock the best residential mortgage solutions with Mortgage Street – your trusted direct lender. As your direct lending partner, we offer personalised, efficient loan options that give you a competitive advantage. Elevate your clients' home buying experience with flexible, tailored mortgage solutions, ensuring they secure the ideal loan. Partner with us to deliver superior value and build stronger client relationships in the competitive mortgage market. step of the way. Partner with us to deliver the ideal financial solution for your clients' property goals.
Help your clients unlock up to 90% LVR on properties that can be effortlessly converted back to residential use without significant alterations, such as accounting businesses, boarding houses, or hairdressing salons (subject to valuer confirmation). With these flexible options, you can guide your clients to maximise their investment potential and meet their unique needs
Unlock Up to 95% LVR for Residential Properties
Flexible Financing for Every Need Looking for a powerful financing solution for your clients? Mortgage Street offers up to 95% Loan-to-Value Ratio (LVR), helping your clients secure their dream home or grow their investment portfolio. Whether it’s a house, duplex, apartment, townhouse, villa, or unit, we provide the flexibility to make their goals a reality.
But that’s not all—our financing options allow clients to unlock equity for any worthwhile purpose, including:
Cash Out Equity Release They can use the funds to:
Pay off ATO liabilities Boost working capital Cover business expenses Manage unlimited debt consolidation Address family law matters Expand property portfolios With Mortgage Street, your clients gain access to smarter financing options tailored to their unique needs. Get started today and help them achieve their financial goals!
Expand Your Clients' Options with 90% LVR for Leasehold and Crown Lease Residential Dwellings
As a mortgage broker, helping your clients navigate financing for leasehold and crown lease properties can be complex, particularly when factoring in location and tenure. At Mortgage Street, we simplify this process by offering up to 90% Loan-to-Value Ratio (LVR) for both leasehold and crown lease residential dwellings of standard construction—giving your clients more opportunities to secure their ideal property
Expand Your Clients' Options with 90% LVR for Units, Student Accommodation, Serviced Apartments, and Hotel Rooms
As a lender, we understand that mortgage brokers face challenges when securing financing for clients interested in niche property types like units under 50 square meters, student accommodation, serviced apartments, or hotel rooms. At Mortgage Street, we streamline the process by offering up to 90% Loan-to-Value Ratio (LVR) for these property types, including units smaller than 40 square meters. Our flexible lending solutions give you the tools to help your clients secure the ideal investment or residence, even for properties with size restrictions. Partner with Mortgage Street to unlock more opportunities for your clients and grow your business with our tailored loan solutions.
Zoned residential & rural residential
At Mortgage Street, we’re here to make financing easier, whether you're purchasing residential or rural residential properties. We accept most council zoning and offer up to 90% Loan-to-Value Ratio (LVR), giving you more flexibility and options. With our tailored loan solutions, you can secure the property you’ve always wanted, knowing you’re in good hands. Let us take care of the financing, so you can focus on your new home or investment.
High density units or apartments
As a mortgage broker, you understand the growing demand for high-density units and inner-city apartments. At Mortgage Street, we’re here to support you in providing tailored loan solutions for your clients, with up to 90% Loan-to-Value Ratio (LVR) available. We accept most council zoning, making it easier for your clients to secure their ideal city home or investment property. Partner with us to offer flexible financing options that cater to the urban lifestyle, and help your clients take the next step with confidence.
Hobby Farms & Agricultural Farms
As a mortgage broker, you know the unique needs of clients seeking hobby farms or agricultural properties. At Mortgage Street, we offer flexible financing solutions with up to 90% Loan-to-Value Ratio (LVR) to help your clients achieve their rural lifestyle or farming aspirations. We accept most council zoning, making it easier for you to provide tailored loan options for both hobby and commercial agricultural properties. Partner with us to offer competitive, flexible loan packages that meet the needs of rural buyers and farmers alike
Vacant Land, Land Banking & Residual Stock
As a mortgage broker, you understand the complexities of financing vacant land, land banking opportunities, and residual stock. At Mortgage Street, we offer flexible loan solutions with up to 90% Loan-to-Value Ratio (LVR) for these unique property types. We accept most council zoning, enabling you to provide tailored finance options for clients looking to secure land for future development, investment, or residual stock. Partner with us to deliver competitive, customised lending solutions, ensuring your clients can capitalise on land and development opportunities with confidence.
Heritage Listed Properties
As a mortgage broker, you know the complexities that come with financing heritage-listed properties. These unique assets require specialised knowledge and a tailored approach to financing. At Mortgage Street, we’re here to support you with flexible loan solutions, offering up to 90% Loanto-Value Ratio (LVR) for heritage-listed homes and buildings.
We understand the intricacies of council zoning and heritage regulations, ensuring you can provide your clients with confidence that their dream property is within reach. Whether it's a historical home or a commercial heritage site, our team is committed to making the financing process as smooth as possible
Dual or Multiple Occupancy: Rooming & Boarding Houses
As a mortgage broker, you know the growing demand for dual or multiple occupancy properties, including rooming and boarding houses. At Mortgage Street, we offer specialised financing solutions with up to 90% Loan-to-Value Ratio (LVR) for these unique property types.
We understand the complexities that come with managing multiple tenants, council zoning, and occupancy regulations. With our flexible loan options and willingness to accept most council zoning, you can provide your clients with tailored financing that meets their specific needs. Whether your clients are investors or operators of rooming and boarding houses, partnering with us means giving them the financial support they need to maximise their investment.
Let Mortgage Street help you deliver competitive and customised lending options for dual or multiple occupancy properties, ensuring your clients have the financial flexibility to grow their portfolios confidently.
Serviced Apartments, Short Stay Apartments & Managed Units
As a mortgage broker, you know that financing serviced apartments, short stay apartments, and managed units comes with its own set of challenges. At Mortgage Street, we offer tailored loan solutions with up to 90% Loan-to-Value Ratio (LVR) for these property types, giving you the flexibility to meet your clients’ specific needs
Whether your clients are investors in short stay accommodations or operators of serviced and managed units, we accept most council zoning, allowing you to offer customised financing options. Our specialised loan solutions make it easier for your clients to secure the right property and maximise their return on investment.
Completed Existing Residential Property up to 100 Ha
As a mortgage broker, you understand the demand for larger residential properties, whether it's for lifestyle, investment, or future development. At Mortgage Street, we offer flexible financing solutions for completed existing residential properties up to 100 hectares, with up to 90% Loan-to-Value Ratio (LVR).
We accept most council zoning, ensuring your clients have the financial flexibility to secure properties of significant size. Whether it's a large family estate or a rural residential property, our specialised loan options are designed to meet the needs of buyers looking for space and opportunity.
Various Title Properties (Torrens, Limited Torrens, Leasehold, Old System, Moiety, Purple, Company, Stratum, Strata, Community Title)
As a mortgage broker, you know that different property titles require customised financing solutions. At Mortgage Street, we provide flexible loan options for properties under various title types, including Torrens, Limited Torrens, Leasehold, Old System, Moiety, Purple, Company, Stratum, Strata, and Community Title. With up to 90% Loan-to-Value Ratio (LVR), you can offer your clients the right financing, regardless of the title type.
We accept most council zoning, ensuring smooth transactions for your clients, whether they’re purchasing a strata unit, a community title property, or even more complex titles like Moiety or Purple. Our specialised loan solutions ensure your clients get the financial support they need to secure properties under a wide range of titles.
Holiday Homes & Display Homes
Looking for the perfect financing solution for your clients who dream of owning a serene holiday escape or a standout display home? At Mortgage Street, we’re here to make those dreams a reality. With up to 90% Loan-to-Value Ratio (LVR) and a range of flexible options, you can offer your clients the freedom to invest in properties that truly shine.
Whether it’s a stunning coastal retreat or an eye-catching display home in the heart of a new development, our loan solutions are designed to meet the unique needs of these properties. We accept most council zoning, ensuring a smooth and hassle-free experience from start to finish.
Imagine the possibilities—your clients relaxing in their dream holiday home or showcasing a premium display property that captures the market’s attention. Partner with Mortgage Street to provide customised financing that brings these visions to life and offers your clients the keys to a future filled with potential and peace of mind.
Service Levels (SLAs) for Your Applications
We’re committed to providing you with the highest level of service and support to ensure your applications are processed as smoothly and efficiently as possible. With that in mind, I’d like to clarify our service levels (SLAs) to better align expectations and improve outcomes.
Our SLAs follow two distinct pathways:
- Completed Applications with Approved MSt 003 & Pre-Paid Application Fee: These applications are prioritised and processed within 2 NSW business banking days. This streamlined process helps expedite your clients' journey from application to approval.
- Completed Applications without an Approved MSt 003 & Pre-Paid Application Fee: While still processed efficiently, these applications follow a standard SLA of 4 NSW business banking days
- By ensuring all required documents, including the MSt 003 and pre-paid application fee, are submitted promptly, you will experience faster turnaround times and a smoother process.
- We’re here to support you every step of the way. If you have any questions or need further clarification, please don’t hesitate to reach out to our dedicated team.
Empowering Mortgage Brokers with Tailored Lending Solutions
At Mortgage Street, we are committed to helping mortgage brokers better serve their clients by providing innovative, competitive, and flexible lending options. Whether you are assisting prime bank customers seeking more competitive rates or clients with unique financial requirements, Mortgage Street is your trusted partner.
We specialise in offering:
1. Competitive Options for Prime Customers: For clients with strong financial profiles who want to avoid high bank rates, we provide flexible and affordable alternatives.
2. Short-Term Solutions for Reliable Borrowers: When banks refuse to entertain short-term funding requirements, we offer tailored solutions designed to meet specific objectives quickly and effectively.
3. Specialist Products for Unique Needs: From borrowers needing niche loan products unavailable through banks to those with poor credit or unconventional securities, we deliver customised options to suit their individual circumstances.
Our mission is to empower brokers with the tools, products, and support to exceed client expectations. We help you navigate the lending landscape confidently and achieve the best outcomes for your customers. At Mortgage Street, we are here to help you succeed by delivering the service, innovation, and flexibility your clients deserve.
7 reasons why you should work with Mortgage Street
At Mortgage Street, our goal is to provide you and your clients with first-class service and innovative products tailored to those who don't meet traditional lending criteria. If your clients don't qualify for a bank loan, Mortgage Street offers a range of alternative solutions. With a diverse selection of mortgage products, we are committed to helping your customers find the perfect fit for their unique needs. Mortgage Street can offer out-of-the-box solutions. With Mortgage Street, there's no such thing as impossible—we can fund every scenario that you can think of."
Partnering with a Mortgage Street accredited mortgage broker means leveraging their expertise and industry connections for faster approval times. Our brokers expedite the loan assessment process, ensuring clients receive all necessary information promptly
Every lender has unique credit policies. By partnering with a Mortgage Street accredited mortgage brokers, you gain access to a wider range of lenders and more flexible credit policies tailored to your clients' specific needs
As an accredited Mortgage Street broker, you have the tools to help your clients unlock greater borrowing potential. By advising on optimal loan structures and enhancing their application, you can maximise borrowing capacity—especially for those with complex financial situations, including self-employed clients.
Sophisticated investors will particularly benefit from your guidance. By leveraging the right loan structures, they can substantially grow their wealth through property investment, taking advantage of tailored solutions that align with their financial goals.
If you have clients with a solid credit history and a deep understanding of property investment, now is the perfect time to highlight the advantages available to them. These borrowers stand to benefit substantially from mortgage products specifically tailored to individuals with good credit standing. Not only do they unlock access to more competitive interest rates, but they also have the potential to maximise their investment returns and improve their borrowing capacity through property portfolios, given their financial stability and strategic knowledge.
Mortgage Street accredited mortgage brokers have access to a wide range of mortgages, including those offering larger loan amounts. This is invaluable for clients purchasing expensive properties or undertaking extensive renovations. With larger loan amounts, your customers can unlock greater opportunities, enabling them to invest in premium properties or ambitious projects that optimise their potential for capital gain. For borrowers with strong credit profiles, this can significantly enhance their property portfolios, providing both immediate benefits and long-term financial growth.
Help your clients seize these greater opportunities and maximise their capital gain potential!
Many lenders require mortgage insurance for loans with a loan-to-value ratio (LVR) above 80%, which increases costs for homebuyers. However, by working with a Mortgage Street accredited mortgage broker, you can help your clients access lenders offering loans up to a 95% LVR, underwritten internally without the need for costly lenders mortgage insurance (LMI).
These loans are split into two categories:
1. General applications – Attracting an applicable risk fee.
2. Selected applications – Eligible for a risk fee waiver.
By offering this option, you can help your clients save money by avoiding LMI, making their home loan more affordable. Whether they’re first-time buyers or property investors, this solution gives them a smarter way to finance their home with fewer upfront costs. Partnering with Mortgage Street brokers allows access to exclusive home loan options, making the path to homeownership easier.
How to Easily Place Business with Mortgage Street Mortgages – A Step-by-Step Guide for Brokers
Turbo charge your application for faster turnaround times
Mortgage Street focuses on what you and your customer needs.Submit a scenario now and we’ll help you every step of the way
Helpful guides & forms
- MSt 001 Customer Information Collection
- MSt 002 Payroll Authority form
- MSt 003 Loan Scenario form
- MSt 007 Applicant details verification
- MSt 011 Lo-Doc Declaration Accountants Verification
- MSt 012 Full Partial Discharge Authority
- MSt 013 Rate Review Form
- MSt 014 Gift Declaration Form
- MSt 015 Direct Debit Request
- MSt 028 Buying Your First House
- MSt 063 Bespoke broker premium
- MSt 067 Everyday transaction account
- Loan Application Documentation Checklist
- MSt 134 Request for Hardship Assistance
Don’t let your unique situation hold you back, explore the all mortgage options offered by Mortgage Street.
Good Borrowers
Specialist loan
Relocation loan
Convenient calculators
Broker Support
Monday to Friday 9am – 5pm (Sydney time)
Frequently Asked Mortgage Product Questions
Frequently Asked Mortgage Product Questions
How much is the maximum loan amount my clients can borrow with Mortgage Street?
The maximum loan amount your clients can borrow is $5,000,000 per single security. Designed for borrowers with excellent credit and strong financials, this loan program offers competitive rates and flexible terms. With up to $22,000,000 available in total exposure, your clients can achieve their real estate goals, whether it’s a luxury property, multi-unit building, or large commercial space.
How many months in arrears can you accept for a borrower?
Different loan products permit arrears. Repayment arrears are acceptable in Tolerant, Progressive, Receptive, Liberal & LiberalHL.
Can Mortgage Street consider Alt & Lo documentation applications?
Yes, Mortgage street will accept Alt, Lo & No Doc applications in Premium, Optimax, Tolerant, Progressive, Liberal & LiberalHL home loan products as long as applicants are registered for GST.
What is the highest loan-to-value ratio (LVR) that my clients can obtain with Mortgage Street home loan products?
The maximum LVR your clients can obtain with Mortgage Street products is 95%. If they need a higher LVR, they can contact proxima.com.au to access home loans to 100% LVR.
What is the process for applying and underwriting a relocation loan?
Mortgage Street's accredited mortgage brokers will be able to guide & assist assist here
What is the minimum credit index required for Ultra Prime products?
Ultra Prime products are designed for borrowers with strong credit profiles. To qualify, borrowers need a minimum credit Index of 853 and must be good PAYG borrowers with no arrears or defaults. If your clients don't meet these criteria, explore other Mortgage Street products or complete MSt 003 to find the best options for their unique needs and qualifications. This ensures your clients receive the best possible mortgage solutions.
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