Your Guide to home loan application

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All

your Meeting

Jack Smith - Meet your Mortgage Matrix

home loan experts

Zachary Russell-sharam

Viren Sonik

Your Objectives

Maximise borrowing capacity

Purchase my first home

Best loan options

Government grants

Your Actions

Complete your Mortgage Matrix fact find

100% Completed

Upload your docs

Loan Comparison

40+ Banks available

Approved in principle

Settlement

Booked

Engage a solicitor or conveyancer

Legal

Sign loan documents

we will guide you

Time to celebrate:Congratulations, You're officially a

homeowner!
A lady sipping coffee, relaxed and watching mortgage matrix taking care of mortgage needs.

Buy Your First Home with Just 5% Deposit – No LMI, No Catch!

Buy Your First Home with Just 5% Deposit – No LMI, No Catch!

Low Deposit

Shave years off the usual time it would take to save, with a low deposit of 2-5%.

No LMI

No Lenders Mortgage Insurance means you could save thousands of dollars.

Awesome Rates Variable and Fixed

Benefit from interest rates normally reserved for deposits of 20% or more.

What if you don’t qualify?

You could still buy without LMI by having a family guarantor or saving a 20% deposit."

Use our calculators to check your financial position.

How we can help

Home loans we can help you find.

Home loans we can help you find.

Cash backs and exclusive deals

Specific lenders may have ‘specials’ available, including cash backs, fee reductions or waivers or loyalty offers.

Flexible deposit options

Deposits starting at 2%. (But budget for at least 10% of the property value to cover government and third-party fees).

Guarantor loans made easy

Get into the property market sooner without a 20% deposit and avoid paying Lenders’ Mortgage Insurance.

Construction & bridging loans

Build your dream home or buy a new property before selling your old one with a construction or bridging loan.

Cross collateralisation

Leverage your equity and increase borrowing power by securing your loan against multiple properties.

Debt consolidation one payment

Consolidate your debt into a single loan with a low home loan interest rate.

40+ Lenders & Thousands of Loan Options

Your Mortgage Matrix broker will help you compare and secure the right home loan from our panel of over 40 trusted lenders.

Mortgage Matrix Brokers

Meet the team

Zac Russell-Sharam

Senior Mortgage Broker

Cynthia Pan

Senior Mortgage Broker

Sailesh Balendran

Mortgage Broker

Home Loan Guide: Smarter Finance Starts Here
Features designed for you

Home loans come in many forms—pick the one that suits you best.

Buy next property with confidence.

Pre-approval sets your budget, build confidence and fast-tracks approval.

Understand your borrowing capacity

Check your borrowing capacity to house hunt with confidence.

First Home Owners’ Grant

First home buyers can access grants and concessions—explore your options to buy sooner.

Home loan guides

What our clients
are saying

Real Clients, Real Homes, Real Savings.

Real Clients, Real Homes, Real Savings.

What our clients are saying

Picture by Unsplash
Taylor T

Refinance

The application process was seamless and easy , I was able to save and go back when I needed to upload my documents.

Jannicke I

Refinance

Great experience! Zac looked after us and his service was great! Appreciate everything he has done for us!

Purchase

Zach was great! Couldn’t be happier with the outcome he achieved for me. Will definitely be using him again in the future.

Bridget M

First Home Buyer

Mortgage Matrix helped immensely when trying to purchase our first home. The team was very professional and attentive,

Picture by Unsplash
Matthew M

First Home Buyer

If you’re looking for a broker that truly cares and delivers an outstanding service look no further than Zac at Mortgage Matrix!

Megan H.

Purchase

Zac was very easy to deal with, took all the hard work out of sourcing a loan and personalised to suit your needs.

First Home Buyer

Zach and Viren were fantastic brokers. As a first home buyer, I was worried that the process, but the team at Mortgage Matrix made it very easy.

Picture by Unsplash

Buyer's Agent / Purchase

Mortgage Matrix consistently demonstrates excellence in securing the best loans and prioritizing their clients’ needs.

Abhishek A

First Home Buyer

Excellent service! Viren has been very helpful & responsive throughout the entire lending process.

Picture by Unsplash

Refinance

The application process was seamless and easy , I was able to save and go back when I needed to upload my documents.

Refinance

Great experience! Zac looked after us and his service was great! Appreciate everything he has done for us!

Purchase

Zach was great! Couldn’t be happier with the outcome he achieved for me. Will definitely be using him again in the future.

First Home Buyer

Mortgage Matrix helped immensely when trying to purchase our first home. The team was very professional and attentive,

Mortgage Matrix is here to help

Our Mortgage Brokers guide you to your goal—sooner.

Mortgage Matrix is here to help

Our Mortgage Brokers guide you to your goal—sooner.

Mortgage Matrix ©2025. All rights reserved.​

Mortgage Matrix ©2025. All rights reserved.​