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
Owner-occupied
Investment
Variable rate
Variable rate
Comparison rate
Comparison rate


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
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
Use our suite of popular mortgage & home loan calculators to work your borrowing capacity, home loan repayments & stamp duty cost
Work out your borrowing capacity, home loan repayments & stamp duty cost
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

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,
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?

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 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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