The right loan and support, all together.

The right loan and support, all together.

40+ Lenders I $2k Cash Back Offer I Free Service

40+ Lenders I $2k Cash Back Offer

Owner-occupied

Investment

0.89%
3.89%

Owner-occupied

Investment

0.89%
3.89%

Variable rate

Variable rate

Comparison rate

Comparison rate

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Two colleagues smiling while looking at a laptop.

Secure pre-approval and purchase with confidence.

Know Your Exact Budget Before You Start Searching

Get a clear idea of how much you can afford before house hunting.

Gain Stronger Negotiation Power with Sellers

Sellers take you more seriously when you have pre-approval.

Enjoy a Faster and Smoother Loan Process

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

Shop with Confidence and Certainty

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

Unlock Your Borrowing Power — No Obligation

40+ Lenders I $2k Cash Back Offer I 100% Free Service

38+

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."

See What You Can Afford – Try Our Free Calculators

What our clients
are saying

Real Client, Real Homes, Real Savings.

What our clients are saying

What our clients
are saying

Real Client, 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,

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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.

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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,

FAQ's

How much deposit do I need as a first home buyer?

Most lenders require a deposit of at least 5% to 20% of the property’s value. If you have less than 20%, you may need to pay Lender’s Mortgage Insurance (LMI). First Home Owner Grants and government schemes may help reduce the deposit amount needed.

How much deposit do I need as a first home buyer?

Most lenders require a deposit of at least 5% to 20% of the property’s value. If you have less than 20%, you may need to pay Lender’s Mortgage Insurance (LMI). First Home Owner Grants and government schemes may help reduce the deposit amount needed.

What government grants and schemes are available for first home buyers?

What government grants and schemes are available for first home buyers?

Do I need pre-approval before I start looking for a home?

Do I need pre-approval before I start looking for a home?

What additional costs should I budget for as a first home buyer?

What additional costs should I budget for as a first home buyer?

Can I buy a home with a low income or small deposit?

Can I buy a home with a low income or small deposit?

A group of people sitting in a room listening to a speaker on stage.

Pre-Approval Unlocked – Your Key Questions Answered!

Zachary Russell-Sharam

Director @MM

Unlock your Borrowing power

Start your property journey today – it’s quick, easy, and free

Unlock your Borrowing power

Start your property journey today – it’s quick, easy, and free

Mortgage Matrix ©2025. All rights reserved.​

Mortgage Matrix ©2025. All rights reserved.​