FAQs

100% Offset Accounts – A Game Changer for Australian Mortgage Brokers

Help Your Clients Maximise Savings & Enhance Loan Flexibility

As a mortgage broker, offering 100% offset accounts can be a powerful tool to attract and retain clients by helping them reduce interest costs while maintaining full access to their funds. Mortgage Street provides 100% offset accounts across a broad range of loan products, catering to prime and non-prime borrowers, including self-employed clients using Full Doc, Alt Doc, and Lo Doc applications.

Why Should Brokers Promote 100% Offset Loans?

Enhance your mortgage brokerage with smart financial solutions that benefit both investors and owner-occupiers.

Which Loans Can Brokers Offer with a 100% Offset Account?

Mortgage Street provides 100% offset accounts across a diverse range of loans, ensuring brokers can cater to various client needs

1) Home Loans (Owner-Occupied & Refinancing)

Reduce interest payments while maintaining access to savings. Available for first-home buyers, refinancers & upgraders.

2) Investment Loans (Residential & Commercial)

Helps property investors manage cash flow while reducing interest. Supports negative gearing strategies with offset flexibility.

3) SMSF Loans (Self-Managed Super Fund Loans)

Allows SMSF borrowers to hold investment property loans with offset benefits. Maximises retirement planning efficiency while providing liquidity.

4) NDIS Loans (Specialist Disability Accommodation - SDA Financing)

100% offset available for both residential & commercial NDIS property investments. Helps investors increase property cash flow while minimising interest costs.

5) Car Loans

Borrowers can reduce interest while accessing funds when needed. Ideal for self-employed and business owners looking for tax-efficient finance solutions.

6) Personal Loans

Offers offset benefits not commonly available with personal lending.

Helps clients reduce loan costs without sacrificing financial flexibility.

Providing offset options across multiple loan types helps brokers attract a diverse client base!

Visa Debit Card & Full Transactional Benefits for Clients

A 100% offset account isn’t just about interest savings—it provides full banking flexibility. Brokers can promote offset loans with:

Your clients can save on interest while enjoying full banking benefits!

Suitable for Prime & Non-Prime Borrowers Brokers can offer 100% offset accounts across a broad spectrum of lending scenarios, including:

Offset accounts aren’t just for high-income borrowers—help your clients access smarter lending solutions today!

Why Brokers Should Recommend 100% Offset Loans

Mortgage brokers who offer offset loans provide more value, close more deals, and retain clients longer.

Take Your Brokerage to the Next Level with 100% Offset Loans Offering 100% offset accounts helps Australian mortgage brokers:

Ready to help your clients save on interest while maintaining financial flexibility? Get started today!

Your decision will usually depend on which option is more cost effective. You may wish to renovate because you love your neighbourhood and your chosen school. Yet, you don’t want to put so much money into a renovation for fear of over capitalisation. Moving to a new location brings its own set of issues. Best to consult with a professional property consultant.

This might be the first question you should ask yourself. You may live in a heritage listed property, requiring council approval before you can make any improvements. An architect or builder can help you determine if you can make the changes, you’ve been dreaming about.

This is best left to the professionals. Depending upon the extent of the changes you’d like to make to your home, you should consult with an architect, a reputable builder and your mortgage broker. Most importantly, determine what your budget will be before doing anything else. They can help you estimate the renovation cost per square meter for homes in your area.

Our Construction loan allows you to make interest-only mortgage payments for your land purchase during construction. You will also make interest only payments during your construction. Here is how the rest of the process will look with our loan:

Mistakes during the renovation process can be very costly. That’s why it pays to consult with and hire professionals to help you devise a plan. You have probably heard that renovation almost always produces a few surprises along the way. Most people who decide to renovate, will go overtime & over budget. Few people consider how to handle mistakes, even the small ones. Think about what it would be like if you simply chose the wrong colour of paint. It is annoying enough to have to get more supply, but bringing thepainter back and then having to move out and then back into the rooms. And that was an easy fix. What will you do if the bargain plumber installs the wrong size waste pipes? An architect or professional builder can ensure that the proper materials are used and permits are pulled, including supervising the work while it is happening.

The Ultimate Career Path in the Australian Mortgage Industry

The Australian mortgage industry offers a structured and rewarding career progression for those passionate about finance, lending, and helping clients achieve homeownership. Whether you're starting as a referrer or aiming to become a founder, this career path provides opportunities to grow your expertise, increase earning potential, and establish a thriving mortgage business. By following this roadmap, you can scale your mortgage career, gain industry accreditation, and build a profitable mortgage brokerage or lending business.

Career Progression in the Mortgage Industry

Mortgage Referrer – The Starting Point

A mortgage referrer is an entry-level role where you introduce potential borrowers to licensed mortgage brokers without providing financial advice.

Key Responsibilities:

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Identify and refer potential home loan clients

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Build relationships with real estate agents, accountants, and financial advisors

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Earn referral commission on settled loans

Why Start Here?

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No licensing required

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Great for networking and industry learning

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Generates passive income

SEO Tip: Mortgage referrers often work with home loan brokers, real estate agents, and property investors to generate leads.

Advancing Beyond a Referrer – Gaining Industry Knowledge

To progress in the mortgage industry, referrers should focus on:

Key Responsibilities:

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Developing strong lender relationships

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Learning about home loan products, policies, and loan structuring

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Understanding credit assessment criteria

Next Step: Transition into a Mortgage Broker under an aggregator or established Australian Credit Licence (ACL) holder.

Mortgage Broker (Authorised Representative - AR)

As an authorised representative (AR), you work under a licensed Aggregator or ACL Holder, writing home loans and providing credit advice.

Key Responsibilities:

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Assess client borrowing capacity

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Compare home loan products from different lenders

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Lodge applications and liaise with lenders for approvals

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Maintain compliance under an ACL holder

Requirements to Become a Mortgage Broker (AR):

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Obtain Certificate IV in Finance & Mortgage Broking

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Get accredited with an Aggregator

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Hold professional indemnity insurance

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Become a member of AFCA (Australian Financial Complaints Authority)

SEO Optimisation: Mortgage brokers help clients with home loans, refinancing, property investment loans, self-employed loans, and first-home buyer finance.

Mortgage Broker (ACL Holder) – Running Your Own Brokerage

Once you've built industry experience, you can apply for your own Australian Credit Licence (ACL) and operate independently as a fully licensed mortgage broker.

Key Responsibilities:

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Own and operate your mortgage broking business

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Apply for direct lender accreditations

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Manage compliance, marketing & business operations

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Recruit and train new brokers

Requirements to Hold an ACL:

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Diploma of Finance & Mortgage Broking Management

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Minimum 2 years’ mortgage broking experience

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Meet ASIC’s fit & proper person test

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Implement compliance policies & risk management

SEO Boost: ACL holders can target keywords such as self-employed home loans, first-home buyer loans, construction loans, and investment loans.

White Label Mortgage Broker – Offering Exclusive Home Loan Products

At this level, mortgage brokers partner with funders or wholesale lenders to offer branded mortgage products under their own name.

Key Responsibilities:

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Negotiate customised home loan products

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Offer exclusive rates & lending terms

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Brand and market private-label mortgages

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Continue brokering loans alongside white-label lending

SEO Optimisation: White-label brokers often promote low-rate home loans, flexible mortgage products, and custom lending solutions.

Operate as a wholesale lender without funding loans directly

A Mortgage Manager operates as a non-bank lender, managing loan origination, credit assessment, and settlements.

Key Responsibilities:

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Negotiate customised home loan products

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Manage the credit approval & loan administration process

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Work with mortgage brokers & aggregators to distribute home loans

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Implement risk management & compliance strategies

SEO Strategy: Mortgage managers should focus on wholesale mortgage lending, non-bank home loans, and mortgage aggregation services.

Funder – The Top of the Mortgage Industry

At the highest level, a funder provides capital for mortgage loans and directly finances home buyers and investors.

Key Responsibilities:

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Raise capital to fund mortgage loans

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Structure lending policies & credit risk assessment

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Partner with mortgage managers, aggregators & brokers

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Maintain compliance with APRA, ASIC & AUSTRAC regulations

SEO Boost: Funders should target keywords such as non-bank lending, mortgage funding solutions, and property development finance.

Why Follow This Mortgage Career Path?

Start as a referrer → Become a mortgage broker → Own your ACL business → Expand into white-label lending or mortgage management → Become a funder

By following this structured pathway, professionals can:

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Raise capital to fund mortgage loans

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Gain industry accreditations & lender partnerships

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Build a profitable mortgage brokerage or lending business

Final Thoughts for Aspiring Mortgage Professionals

The Australian mortgage industry offers exciting career opportunities, whether you aim to become a licensed mortgage broker, mortgage manager, or lender.

If you're serious about advancing your career in home loans, mortgage broking, or private lending, take the next step today!

Want expert guidance? Connect with an experienced aggregator or industry mentor to fast-track your mortgage career!

Investor Loans for Professional & Sophisticated Clients

Tailored Lending Solutions for Australian Mortgage Brokers & Their High-Value Investor Clients As an Australian mortgage broker, offering specialised investor loans can help you attract high-net-worth clients, multi-property investors, and tax-savvy borrowers seeking structured finance solutions to grow their portfolios.

At Mortgage Street, we provide strategic lending options designed specifically for professional and sophisticated property investors, ensuring brokers can secure financing for clients with:

Secure more high-value loan approvals while offering investors the best financing solutions available!

What Types of Investor Loans Can Brokers Offer?

Mortgage Street provides a comprehensive range of investment loan products, allowing brokers to serve clients with diverse portfolio needs and financial strategies

1. Residential Investment Loans (Build Wealth Through Property Ownership)

Available for prime and non-prime investors.
Interest-only, fixed & variable loan options for flexibility.
Ideal for first-time investors & experienced property buyers.

2. Commercial Investment Loans (Maximise Returns on Business Properties)

Loans for office spaces, retail shops, warehouses & industrial properties.
Flexible LVRs & repayment options for portfolio expansion.
Designed for high-income, cash flow-focused investors.

3. SMSF Investment Loans (Self-Managed Super Fund Loans)

Allows brokers to service clients using SMSFs for property investment.
Available for both residential & commercial properties..
100% offset options for cash flow and tax efficiency..

4. NDIS Investment Loans (SDA Property Finance)

High-yield opportunities for NDIS property investors with government-backed returns.
Structured financing for both residential & commercial SDA properties..
Fixed-income options to enhance financial security & long-term growth..

5. High-Net-Worth Investor Loans (HNW Lending Solutions)

Bespoke lending for investors with substantial property & asset portfolios.
Higher loan limits & structured financing for multi-million-dollar acquisitions.
Tailored options for sophisticated investors seeking capital efficiency.

6. Portfolio Expansion Loans (Multi-Property Investment Finance)

Loans structured for scaling property portfolios without limiting serviceability.
Maximised borrowing power with flexible serviceability assessments.
Strategic finance for investors with multiple properties & high-yield strategies.

Mortgage brokers can use these loan options to attract high-value clients looking for wealth creation through property investment!

Exclusive Investor Loan Features Brokers Can Offer

Mortgage Street equips brokers with high-value investment loan features to help secure repeat business & high-value approvals:

Mortgage brokers who offer structured investor loans can secure repeat clients looking to expand their portfolios long-term!

Why Australian Mortgage Brokers Choose Mortgage Street for Investor Loans?

Mortgage brokers who specialise in investor loans gain a competitive edge in servicing high-net-worth clients and multi-property investors.

Take Your Brokerage to the Next Level with Investor Loans

Australian mortgage brokers who offer structured investor loans position themselves as trusted financial advisors to high-net-worth individuals and professional property investors. With high borrowing capacities, structured finance solutions, and tax-efficient lending strategies, brokers can attract repeat business while securing long-term financial success for their clients.

Offer your investor clients premium financing solutions today!

Low doc loans can sometimes attract higher interest rates, given the potentially higher risks to banks and lenders. While interest rates can be higher at the beginning, banks and lenders may reduce the rate once you have shown over a certain period that you are able to successfully and consistently make repayments

Low Doc stands for Low Documentation, and these loans can benefit those who don’t have access to the typical level of information banks and lenders require. If you are a business owner, freelancer or contractor, you may not be able to provide the proof of income or employment history requested. Your income may be irregular, but it may still be high and stable enough to make the required repayments. Find out more about Low Doc home loans here.

If you are self-employed, you will need to provide the following information when you apply online:

You may also be required to provide:

Of course. We offer a broad range of home loans that cater to many different needs, including those who are self-employed.

Investment loans usually have different terms from home loans. The interest rates may be somewhat higher and the loan terms, a bit shorter. There are many variables that you’ll need to consider, including whether combining many investment or commercial loans into one may be a cost-effective option.

Real estate is something you can see and control, unlike the stocks traded on the world’s exchanges. And, property, can certainly be less volatile. You can earn rental income from property right away and watch its value increase over time. Most of the expenses you incur can offset the income you earn from other sources

Positive gearing means that the income generated from the investment property is higher than the expenses. Negative gearing is the reverse: where the cost of ownership is higher than the income generated. However, in this situation, you will look for appreciation in the property’s value over time.

Advantages :

Positive Gearing

Negative Gearing

Disadvantages

Positive Gearing

Negative Gearing

We offer loans that have no monthly fee, no package fee and no no rate lock fee. You’ll pay a competitive fee for the application, settlement and discharge phases. There is no fee for the valuation process

A split loan facility lets you combine your home loan and investment loan under one umbrella facility. These arrangements allow for direct loan repayments to be made towards your home loan while allowing interest to capitalise on your investment loan. You can separate the non-deductible debt portion of your home loan from the deductible portion and you will receive separate loan statements for each split.

Is Your Home Loan Still the Best Fit? Find Out with a Mortgage Broker Keeping up with home loan rates, market trends, and your financial goals is essential to ensuring you have the best mortgage for your needs. If you’re unsure whether your current loan is working in your favor, a free home loan health check can help you compare options, secure a better interest rate, and access improved loan features.

How a Mortgage Broker Can Help You Secure the Best Home Loan or Refinance

Compare Multiple Lenders – Unlike banks, brokers have access to a wide range of home loans, helping you find the most competitive rates.

Get Expert Home Loan Advice – A professional mortgage broker will assess your financial position and recommend the best loan options.

Fast & Hassle-Free Application Process – Your broker will submit your loan application, manage all paperwork, and guide you through every step.

Comprehensive Loan Assessment – Includes credit checks, property valuation, LMI (Lenders Mortgage Insurance) review, and loan approval.

Legal & Settlement Support – Once approved, legal documents are prepared and finalized for a smooth loan settlement.

Refinancing? Unlock the Power of Your Home Equity

Looking for a lower interest rate or better loan features? Refinancing can help you reduce repayments and save money.

Need extra funds? Your home equity can be used for renovations, investments, or consolidating debt.

A mortgage broker will guide you through refinancing and help you qualify for the best loan based on your property value and financial profile.

Why Choose a Mortgage Broker Instead of Going Direct to a Bank?

Access Exclusive Home Loan Rates – Compare multiple lenders instead of being limited to a single bank.

Save Time & Effort – Your broker handles negotiations, paperwork, and lender approvals.

Find the Right Loan Faster – Get tailored recommendations based on your unique financial situation.

Get Started Today!

Looking for a better home loan or refinance option? Contact a licensed mortgage broker today to secure the best mortgage deal and save on your repayments!

Essential Mortgage Insights for Brokers: Pre-Approvals, Offset Accounts & LMI Explained

As a mortgage broker, staying informed about pre-approvals, mortgage offset accounts, Lender’s Mortgage Insurance (LMI), and government grants is crucial to helping your clients secure the best loan solutions. Here’s everything you need to know to better advise your borrowers.

Pre-Approval vs. Conditional Approval – What Brokers Need to Know

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Pre-Approval – Mortgage Street confirms that, subject to final checks, the borrower can proceed with financial backing once the property valuation and required documents are verified.

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Conditional Approval – The lender has assessed the borrower's financial situation and proposed a loan amount, which could be formally approved once a suitable property is found.

Why It Matters for Brokers: Ensuring your clients understand the difference between these approvals helps them navigate negotiations with confidence and secure the best loan terms.

Mortgage Offset Accounts – How They Benefit Borrowers

A mortgage offset account reduces the interest payable on a home loan by linking the mortgage to a transaction account where savings, salary, and deposits are stored.

Example: A borrower with a $300,000 loan and $10,000 in an offset account will only pay interest on $290,000, reducing overall loan costs.

Broker Advantage: Offset accounts offer an attractive selling point to borrowers looking to save on interest while maintaining liquidity for everyday expenses.

Extra Repayments & Redraw Facilities – Flexible Loan Management

Borrowers can make additional repayments to build a financial buffer for unexpected expenses, such as repairs or rental vacancies.

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Some loans allow redraws, where borrowers can withdraw excess funds.

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Some loans allow redraws, where borrowers can withdraw excess funds.

Broker Tip: Recommending a flexible loan product with redraw or extra repayment options can provide financial security and peace of mind for borrowers.

Lender’s Mortgage Insurance (LMI) – Key Considerations for Brokers

1) LMI is a one-time fee that protects the lender when a borrower has a loan-to-value ratio (LVR) over 80%.

2) LMI fees range from $800 to nearly 4% of the loan amount.

3) Borrowers can pay upfront at settlement or capitalise LMI (add it to the loan balance).

Broker Strategy: Helping borrowers understand LMI thresholds and options can improve their loan affordability and borrowing power.

First Home Owner Grant (FHOG) & Government Incentives

First-home buyers may be eligible for a one-time grant of up to $7,000, depending on their state or territory.

Example: In NSW, the price cap is $835,000, meaning properties above this do not qualify for the FHOG.

Broker Insight: Keeping updated on government grants & first-home buyer incentives allows brokers to provide added value and improve loan structuring strategies. Maximise Client Success with Expert Mortgage Guidance

As a mortgage broker, your role is to simplify the loan process, compare lenders, and secure the most competitive financing for your clients.

1) Access a diverse range of loan products to match different borrower needs.

2) Guide clients through pre-approvals, LMI, and offset account benefits.

3) Help first-home buyers leverage government grants & incentives.

Stay ahead in the mortgage industry! Contact us today for broker resources, lender partnerships, and exclusive loan insights.

Family Pledge & Guarantor Home Loans – A Guide for Mortgage Brokers As a mortgage broker, understanding family pledge home loans and guarantor mortgages is essential to helping clients maximise their borrowing capacity while reducing upfront costs. Here’s what you need to know to provide the best advice.

Refinancing to Remove a Guarantor

Once a borrower has repaid at least 20% of their home loan, they may be eligible to refinance and remove the guarantor from their mortgage.

Broker Insight: Structuring a loan with an early refinancing plan ensures a guarantor’s financial exposure is minimised as soon as possible.

Who Can Be a Guarantor?

Not everyone qualifies as a guarantor. To assist a borrower in purchasing their first home, a guarantor must:

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Be an Australian resident aged 18-65

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Have significant equity in their property

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Hold a strong credit rating

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Be a close family member (such as a parent, sibling, or child)

Broker Tip: Ensuring borrowers understand guarantor eligibility requirements can help avoid delays in the loan approval process.

How Family Pledge Mortgages Work

A family pledge home loan allows a borrower to secure 100% of the property’s value by using a portion of their guarantor’s home equity.

Key Benefits for Borrowers:

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No deposit required – Avoid the need for years of savings

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No Lenders Mortgage Insurance (LMI) – If the guarantee covers at least 20% of the loan

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Increased borrowing capacity – Secure a larger loan amount without upfront capital

Broker Advantage: Family pledge loans can be a game-changer for first-home buyers struggling to meet deposit requirements.

Borrowing Calculator – A Valuable Tool for Brokers & Clients

A borrowing power calculator helps borrowers estimate their loan eligibility when using a guarantor’s equity.

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Clients input financial details and the guaranteed amount from their family member

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Generates an approximate borrowing figure based on lender criteria

Broker Strategy: Encouraging clients to use a borrowing calculator ensures realistic loan expectations, improving approval success rates.

Understanding the Risks for Guarantors

While family pledge mortgages remove the need for a deposit, they also come with financial risks for the guarantor:

Property as Security – The guarantor’s home is used as collateral, meaning they may be liable if the borrower defaults.

Reduced Borrowing Capacity – The guarantor’s ability to take out additional loans may be restricted while the guarantee remains in place.

Broker Best Practice : Ensure both the borrower and guarantor fully understand their financial responsibilities and risks before proceeding.

Why Mortgage Brokers Should Recommend Family Pledge Loans

More first-home buyers qualify – Makes property ownership more accessible

No LMI costs – Saves thousands in mortgage insurance fees

Higher borrowing power – Provides more options for buyers

Flexible loan structuring – Tailor loan solutions to suit individual financial situations

Final Thoughts for Brokers

By educating clients on family pledge home loans, guarantor mortgages, and refinancing strategies, brokers can help more Australians enter the property market sooner while protecting their financial interests.

Want to help your clients secure the best loan options? Contact us today to explore lender partnerships and family pledge mortgage solutions!

Construction Loans: A Comprehensive Guide for Mortgage Brokers As a mortgage broker, helping clients secure the right construction loan can make all the difference when financing their dream home or investment project. Mortgage Street offers Full Doc, Alt Doc, and Lo Doc construction loans, making them accessible to a wide range of borrowers, including NDIS participants and Trust structures.

Borrow Up to 95% Including LMI Costs

Mortgage Street’s construction loans allow borrowers to finance up to 95% of the property value, including Lender’s Mortgage Insurance (LMI) costs, reducing their upfront expenses.

Broker Advantage: This structure helps clients with lower deposits or those who want to preserve liquidity for the build.

How Construction Loans Work – Key Stages

Construction projects are typically divided into five key stages:

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Slab Stage – Foundation work is completed

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Frame Stage – Structural framework is built

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Lock-Up Stage – External walls, doors & windows installed

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Fixing Stage – Internal fittings & fixtures added

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Completion Stage – Final finishes & approvals

Broker Tip: Each stage triggers a progress payment (drawdown) to the builder. Clients only pay interest on the funds released, not the full loan amount, keeping repayments manageable.

Flexibility & Builder Requirements

Builders Must Be Insured – Ensures financial protection

Lender Approval Required for Builder Changes – A new builder can take over if necessary

Fixed Price Contracts Are Mandatory – Any cost overruns must be covered by the builder

Broker Best Practice: Advise clients on the importance of a Fixed Price Contract to avoid unexpected cost blowouts.

Loan Terms & Completion Timelines

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Borrowers typically have up to 24 months to complete construction after land settlement.

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Available for Full Doc, Alt Doc, and Lo Doc borrowers, including those with NDIS funding or Trust structures.

Broker Advantage: These flexible terms cater to a wide range of borrowers, making construction loans accessible even for self-employed clients or those with non-standard income.

Why Mortgage Brokers Should Recommend Construction Loans

Maximised borrowing capacity – Finance up to 95% of property value, including LMI costs

Flexible drawdown payments – Pay interest only on the funds released

Available for Full Doc, Alt Doc & Lo Doc clients – Expanding eligibility for more borrowers

NDIS & Trust-Friendly – Supporting clients with specialised financing needs

Up to 2 years to complete construction – Ideal for staged developments Final Thoughts for Brokers

By educating clients on construction loans, builder contracts, and staged payments, mortgage brokers can help borrowers navigate the complexities of financing a build while maximising affordability.

Want to help your clients secure the best construction loan? Contact us today to explore lender partnerships and flexible financing solutions!

Bridging Loans: Seamless Home Transition with Short-Term Financing

Stamp duty charges upon which state or territory you live in.

Key Benefits of a Bridging Loan:

Stamp duty charges upon which state or territory you live in.

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Fast Approval & Minimal Documentation – Get quick access to funds with a streamlined application process.

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Short-Term Financing for Home Buyers – Loans typically last six months (or up to 24 months for new home construction).

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Flexible Interest-Only Repayments – Lower monthly payments while waiting for your home sale to settle.

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Reduce Long-Term Debt – Make principal payments to decrease the final mortgage on your new home.

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Broker Assistance Even with Nil or Low End Debt – Mortgage brokers can help structure your bridging loan, even if your final loan balance is zero or minimal.

Is a Bridging Loan Right for You?

Buying a new home before selling your current one?

Waiting for long-term financing to be arranged?

Building a new home and need interim funding?

While bridging finance typically has higher costs than traditional home loans, it provides a fast, flexible, and effective solution for homeowners who need temporary funding without financial setbacks.

Apply for a Bridging Loan Today!

Looking for a fast home loan solution? Contact us today to find out how a bridging loan can help you secure your next property with confidence!

Streamlined Home Loan Application – Expert Guidance at Every Step

Applying for a home loan has never been easier! Our process is fast, transparent, and designed to find the best mortgage solution for you.

How the Home Loan Process Works:

1) Apply Online – Start your application anytime, anywhere in just 15 minutes.

2) Speak with a Professional Mortgage Broker – Review your needs and find the best home loan solution.

3) Application Submission & Fee Payment – Your mortgage broker will submit your application for approval (some fees may even be refunded!).

4) Comprehensive Loan Assessment – We conduct a credit assessment, LMI order, valuation, and loan assessment to ensure the best outcome.

5) Legal Documentation – If approved, legal representatives prepare and send your loan documents for signing.

6) Settlement Preparation – Once documents are verified, we finalize everything for your settlement day.

What You Need to Apply:

Valid ID – Passport or driver’s license (colour photocopy).

Property Details – If you haven’t found the right home yet, you can still start the process.

Financial Overview – Details of expenses, assets, and liabilities (or link your bank securely to save time).

Contact Information – For all applicants.

Why Work with a Professional Mortgage Broker?

While our process is seamless, a professional mortgage broker can help you compare a wide range of lenders to find the most competitive rates and flexible loan options tailored to your specific financial situation.

A mortgage broker will:

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Assess multiple lenders and loan products to secure the best deal.

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Guide you through complex loan structures, including refinancing, investment loans, and first-home purchases.

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Help streamline paperwork and approval processes, reducing delays and ensuring compliance.

Ready to take the next step? Speak with a professional mortgage broker today to explore the best home loan options for you!

We send your loan contract, mortgage document, repayment form, certificate of witness form, borrower certificate and warranty. To learn more about the documentation required for settlement, click here

Pre-approval is the confirmation from Mortgage Street that, now that you have had a valuation on the property you wish to purchase, and we have all required information from you, provided final checks are successful, you can proceed with making an offer with our financial backing.

Conditional approval is a confirmation from Mortgage Street that, on the basis that all required information provided is factually correct, you will be given approval subject tovarious conditions like successful credit checks. With conditional approval, you’ll be readyto put an offer on a property as soon as you find the perfect match.

As soon as you have correctly signed all legal documents and send them back, we can begin your settlement process. During the settlement process, your legal representatives will ensure all clauses in your contracts are being met and get all required documents ready to close the sale. On your agreed settlement date, your legal representative and the legal representative of the seller will take care of all matters relating to settlement, such as registering the title of the property and paying stamp duty. After this is taken care of, you are now able to move into your new home, start your new build process, cash out equity from your loan, or benefit from a lower rate home loan – whatever your reason for your home loan, it’s now complete and ready to enjoy.

Just log on to Internet Banking and select your Account and in the menu bar on the left click on ‘View Statements’. While you’re here, you can also view past statements, save a copy to your desktop or take a print out when you need one.

You will receive an email notification when your next statement is available to view through Internet Banking.

Your online statement is the same as what is printed and posted to you, and are equally important. Access your statements all in one place and print out the ones you need at any time and submit them as supporting documents with confidence.

Alt & Lo Doc Loans for Self-Employed Borrowers – The Ultimate Broker Advantage Unlock More Deals & Higher Commissions with Flexible Loan Solutions for Business Owners Self-employed borrowers often struggle with traditional mortgage lending, facing excessive documentation requirements, long approval times, and deep financial scrutiny. Alt Doc & Lo Doc loans provide brokers with a powerful alternative—simpler applications, faster approvals, and greater flexibility for business owners.

Help self-employed borrowers secure finance while growing your mortgage business!

Why Brokers Should Offer Alt & Lo Doc Loans for Self-Employed Clients

Brokers who offer alternative documentation loans gain a significant competitive edge in servicing business owners, freelancers, and self-employed professionals.

Start offering self-employed home loan solutions today!

1. Faster Approvals = More Settlements for Brokers

One of the biggest challenges self-employed borrowers face is the long approval process with traditional lenders. Alt Doc & Lo Doc loans help brokers secure:

Faster loan approvals = More broker commissions!

2. Less Paperwork = Easier Applications & Approvals

Traditional home loans require full financials, tax returns, and accountant sign-offs, creating delays and lost deals. With Alt Doc & Lo Doc loans, brokers can offer:

Simple applications = More approvals & faster settlements!

3. Less Intrusion Into Personal & Business Finances

Many business owners prefer to keep their finances private rather than undergo deep scrutiny by banks. With Alt & Lo Doc loans:

Less financial intrusion = More confident self-employed borrowers!

4. No Missed Opportunities Due to Financial Documentation Delays

Many self-employed borrowers lose out on property purchases due to slow documentation. With Alt Doc loans, brokers can offer:

Faster approvals = No lost property deals!

5. Business Owners Can Focus on Growth Instead of Mortgage Applications

Entrepreneurs and self-employed professionals don’t have time for excessive paperwork. With Alt & Lo Doc loans:

Less admin = More business success for clients!

6. Access to More Working Capital for Business & Personal Needs

Self-employed borrowers often struggle to borrow based on taxable income rather than actual cash flow. Alt & Lo Doc loans help:

More capital = More business growth opportunities!

7. Funds Available for Business Reinvestment & Expansion

Many business owners reinvest earnings rather than show high taxable income. Alt Doc loans allow borrowers to:

Use mortgage finance to grow a business, not just buy a home!

8. Lower Interest Rates on Tax Debt Compared to ATO Rates

Many self-employed borrowers struggle with tax debt, which can impact loan approvals. With Alt Doc loans:

Lower rates = Less financial stress for business owners!

9. Option to Provide Full Financials at a Later Stage

Self-employed borrowers often need extra time to prepare their finances. With Alt Doc loans:

Secure funding now, provide financials later!

Why Brokers Should Offer Alt & Lo Doc Loans

Expand Your Business & Capture More Deals!

Offer self-employed borrowers the flexible loan solutions they need today!

Grow Your Mortgage Brokerage with Mortgage Street

The Ultimate Partner for Brokers Who Want More

Are you a mortgage broker looking to increase loan settlements, maximise commissions, and build long-term client loyalty? Mortgage Street provides you with market-leading loan products, innovative technology, expert support, and exclusive white-label solutions—everything you need to grow and scale your business effortlessly.

Higher Earnings | Faster Settlements | Smart Technology | Full Broker Support

Why Partner with Mortgage Street?

Brokers choose Mortgage Street because we offer unmatched advantages to help you:

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Attract & retain more clients with competitive loan products.

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Earn more commissions with high upfront & trail payouts.

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Save time with AI-powered digital tools & fast loan approvals.

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Scale your brand with white-label & private lending solutions.

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Stay compliant & informed with expert guidance on regulations.

Explore all the benefits below!

1. Competitive Loan Products to Attract More Clients

Having the right loan options gives brokers a competitive edge in the market. Mortgage Street provides:

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Low-interest home loans – Ideal for first-home buyers, investors & refinancers.

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Self-employed & SMSF loans – Flexible options for business owners & investors.

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High LVR & low deposit loans – Solutions for borrowers with smaller savings.

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Offset accounts & redraw facilities – Essential features for financial flexibility.

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Fast approvals & priority settlements – Helping brokers close deals quickly.

More products = More clients = More commissions!

2. Higher Commissions & Transparent Payouts

We know brokers work hard, which is why we offer some of the most competitive commissions in the industry:

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High upfront commissions – Get rewarded for every settled loan.

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Ongoing trail commissions – Build long-term revenue streams.

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On-time & transparent payments – No surprises, just reliable income.

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Bonus incentives for high-volume brokers – Earn even more!

Maximise your earnings with Mortgage Street!

3. Smart Broker Technology for Seamless Loan Processing

We equip brokers with cutting-edge technology to improve efficiency and speed up approvals.

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AI-powered loan matching system – Instantly find the best product for your client.

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Real-time loan tracking & compliance tools – Keep everything organised.

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Fully digital loan applications – Paperless, faster, and secure.

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Integrated CRM & automated client retention tools – Strengthen client relationships.

More automation = Less admin = More deals closed!

4. Unmatched Broker Support & Expert Training

We provide dedicated support to help brokers navigate the market and grow their business.

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Dedicated Broker Support Team & BDMs – Get expert advice, anytime.

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Ongoing training & market updates – Stay ahead of industry trends.

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Compliance & regulatory assistance – Ensure APRA, ASIC & AUSTRAC compliance.

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One-on-one business mentoring – Tailored strategies for success.

Your success is our priority!

5. Lead Generation & Marketing Support for Brokers

Stand out in the competitive mortgage market with exclusive marketing support:

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Branded marketing materials & white-label options – Promote under your own brand.

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SEO & digital advertising support – Generate high-quality leads.

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Automated email & SMS campaigns – Keep clients engaged post-settlement.

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Social media & content marketing guidance – Build a strong online presence.

More visibility = More clients = More business growth!

6. Faster Approvals & Priority Processing

Brokers benefit from our industry-leading loan processing times, ensuring:

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Quick application turnarounds – Close deals faster.

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Pre-assessments & fast conditional approvals – Provide certainty to clients.

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Direct access to our credit team – Get faster solutions for complex cases.

Speed matters—win more deals with our priority processing!

7. Exclusive White-Label & Private Lending Solutions

Want to build your own brand as a broker? Our private lending solutions help you stand out:

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Offer home loans under your brand – Strengthen your business identity.

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Customised loan documentation & branding – Enhance your client experience.

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Exclusive loan products & pricing – Gain a competitive advantage.

Your brand, your business—Mortgage Street makes it happen!

8. Client Retention Strategies for Long-Term Growth

Keeping customers engaged leads to repeat business & referrals:

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Annual loan reviews – Ensure clients always have the best mortgage deal.

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Proactive refinancing alerts – Prevent clients from switching lenders.

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Targeted SMS & email campaigns – Strengthen post-settlement engagement.

A happy client = A loyal client = More referrals!

9. Full Compliance & Regulatory Support for Brokers

Mortgage Street ensures brokers remain fully compliant and informed:

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ASIC, APRA & AUSTRAC compliance guidance – Stay ahead of regulations.

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Automated documentation & record-keeping – Reduce admin stress.

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Regular updates on regulatory changes – Keep your business compliant.

Compliance made easy, so you can focus on growing your business!

Ready to Scale Your Mortgage Brokerage?

Mortgage Street is more than just a lender—we are your strategic growth partner.

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More Clients.

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More Commissions.

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More Efficiency.

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More Support.

Join Mortgage Street today & take your mortgage business to the next level!

Get in Touch with Our Broker Team Now!

1300 833 800

mortgagestreet.com.au

Email Us

Partner with Mortgage Street—where brokers succeed!