Mortgage Street offers a wide range of residential mortgage options to help your clients achieve their homeownership goals.
From first-time homebuyers to seasoned investors, we have the expertise and resources to assist them every step of the way. Our team of experts work closely with you to understand your clients’ unique needs and financial situation, and provide personalised recommendations to help them secure the best mortgage rates and terms.
Whether your clients are looking to purchase, refinance or invest in properties, we have the knowledge and resources to assist them. With our competitive rates and streamlined application process, your clients will have a smooth and stress-free experience.
Residential properties classifications:
Residential units (with separate title) over commercial premises up to 80% LVR
Properties that can be converted back to residential without considerable alterations i.e. accounting business, boarding house or hairdressing salon (valuer to confirm)
Detached and semi-detached dwelling, unit, apartment, townhouse, villa or duplex
Leasehold residential dwellings of standard construction (subject to location & tenure)
Residential from
35 m2,
Zoned residential,
rural residential
Freehold residential dwellings of standard construction
High density units
or apartments
Hobby farms
Vacant land
Heritage listed properties
Dual or Multiple Occupancy
Serviced apartments
and managed units
We have recently been experiencing high volumes of applications and amendments, which is impacting our service levels. We are doing everything we can to improve our current position.
| Ultra prime | Super prime | Premium | Optimax |
As Australia’s premier alternative lending solution, our mission is to empower our brokers to achieve their goals
Our goal at Mortgage Street is to provide you & your customers with first-class service and innovative products to help you deliver solutions to your clients who don’t fit traditional lending criteria. But if your clients don’t qualify for a bank loan, Mortgage Street can always find alternatives. With 24 mortgage options available, we can help your customers find the right fit for their unique situation.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Working with a Mortgage Street accredited professional mortgage broker means you can benefit from their expertise and industry connections. This can often result in faster approval times, as brokers are able to expedite the loan assessment process and provide lenders with the information they need to decide.
Each lender has their own credit policies, which can vary significantly. By working with a Mortgage Street accredited mortgage broker, you can access a wider range of lenders and take advantage of more flexible credit policies that may be better suited to your individual circumstances.
A Mortgage Street accredited mortgage broker can help you to maximise your borrowing capacity by advising on the best loan structure and providing guidance on how to strengthen your application. This can be helpful if you have a complex financial situation or are self-employed.
Negative gearing considerations
If you are planning to purchase an investment property, a Mortgage Street accredited mortgage broker can help you understand the tax implications of negative gearing and advise on the best home loan options to suit your goals.
A Mortgage Street accredited Mortgage brokers have access to a wide range of lenders, including those that may consider larger loan amounts. This can be especially useful if you are looking to purchase a more expensive property or undertake extensive renovations.
No mortgage insurance to 85% LVR
Many lenders require mortgage insurance for home loans with a loan-to-value ratio (LVR) of over 80%. By working with a Mortgage Street accredited mortgage broker, you may access lenders that do not require mortgage insurance up to an LVR of 85%, saving you money on your loan.
To help you find what you’re looking for, we’ve grouped our lending criteria into key categories.
Fill up the MSt 003 and get low rates within a day Complete the MSt 001 for ready to submit a new application
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
Don’t let your unique situation hold you back, explore the 24 mortgage options offered by Mortgage Street.
Good Borrowers
Specialist loan
Reloaction loan
Monday to Friday 9am – 5pm (Sydney time)
The maximum loan amount that your clients can borrow with Super Prime III is $5,000,000 per single security. This loan program is designed for borrowers with excellent credit and strong financials, and offers competitive rates and flexible terms. With the ability to borrow such a large amount, your clients will have the financial flexibility to make their dream home a reality. Whether it’s a luxury property, a multi-unit building, or a large commercial space, Super Prime III can help your clients achieve their real estate goals. Visit our website to learn more and see if this loan program is right for your clients.
The maximum exposure per obligor for Progressive products is $12,000,000. However, if your client is looking for a higher amount, you can consider visiting our good borrower products such as Ultra prime, Super Prime, Premium & Optimax or complete a MSt 003 on our website to see if your client qualifies for a higher maximum exposure amount. It’s always worth checking our website to explore more options.
Yes, Optimax products can accept Alt doc for GST registration. This means that if you are a mortgage broker looking for a GST-compliant solution, Optimax has you covered. Our products are designed to be flexible and adaptable to you & your customers’ needs, and we are proud to offer Alt doc as an option. We understand that every business is unique, and we strive to provide a tailored solution that meets you & your customers’ specific requirements. So, if you are interested in learning more about how Optimax can help your business, please visit our website to see what we have to offer. You’ll find that our products are innovative and user-friendly, making them a great choice for any mortgage broker looking to streamline their GST compliance process.
The maximum loan-to-value ratio (LVR) that your clients can obtain in Tolerant products is 80%. However, if your clients are looking for a higher LVR, they can complete MSt 003 to check if they qualify for a higher LVR. For more detailed information and other loan options, please visit our website.
We, Mortgage Street, made the process for application and underwriting for a relocation loan simple and streamlined. The first step is to complete our MSt 003 form. This form will provide us with all the information we need to get the application process started. The MSt 003 form is designed to be easy to complete, and it will help to ensure that all of the necessary information is provided in a clear and concise manner. Once we receive the completed MSt 003 form, one of our accredited mortgage brokers will review the application and will be in touch to guide you through the next steps of the process. We are committed to providing a fast and efficient service and we will work with you to ensure that your clients’ applications are processed as quickly as possible. As a mortgage broker, you can visit our website to learn more about the detailed process of application and underwriting for a relocation loan with Mortgage Street, as well as to find more information about other products and services that we offer.
The Ultra Prime product line is designed for borrowers with strong credit profiles. In order to qualify, borrowers must have a minimum credit score of 700, be a good PAYG borrower with no arrears or defaults. If your clients do not meet this criteria, we recommend checking out other Mortgage Street products or completing MSt 003 to find the best product for your clients’ unique needs and qualifications. This will ensure that your clients receive the best possible mortgage options for their individual circumstances.
