The RBA has raised rates – but you still have options.
The RBA has raised rates – but you still have options.
40+ Lenders I $3k Cash Back Offer I 100% Free Service
40+ Lenders I $3k Cash Back Offer I Free Service
Let's review your loan and see what's available.
45+
Your Guide to home loan application
/
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!

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.
Use our suite of popular mortgage & home loan calculators to work your borrowing capacity, home loan repayments, stamp duty, savings targets and more.
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.
Read below
Whats the difference

Jasmine M.
Guarantor loan
Get real estimate

Jasmine M.
Fixed/variable/IO
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

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!

Adam C
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,

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.

Liam R
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.

Holly S
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.

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!

Adam C
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,
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 Pty Ltd ABN 37674 404 776 Credit Representative 555368 is authorised under Australian Credit Licence 389328.
Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Our borrowing calculator provides an estimate of how much you may be able to borrow based on the income and expenses you've entered. It is a guide only and does not constitute credit approval.
For a personalised assessment, start your application, where we’ll review your specific financial details, loan type, and property information.
Rates and Cashback Disclaimer: Rates are correct as of August 2025 and are subject to change without notice. The advertised rate of 4.99% p.a. is a fixed rate with a comparison rate of 6.02% p.a., based on a loan amount of $500,000 over 30 years with principal and interest repayments. Eligibility criteria, terms and conditions, and lender fees apply. The $3,000 cashback offer is available from select lenders only and is subject to lender approval. Mortgage Matrix Pty Ltd does not guarantee approval or the advertised rate for all applicants. Comparison rate is calculated in accordance with the National Consumer Credit Protection Act 2009.
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed before acceptance of any offer or product. It does not constitute legal; tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.
Eligibility criteria, terms, conditions, and lender credit approval apply. The 5% deposit option may be available through government-backed schemes such as the First Home Guarantee. Not all applicants will qualify. Mortgage Matrix does not provide financial advice and recommends seeking independent advice tailored to your circumstances.
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