The right finance.
The right loan. The right support – all in one place.

The right loan. The right support – all in one place.

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

30+ Lenders I $2k Cash Back Offer

Owner-occupied

Investment

0.89%
3.89%

Owner-occupied

Investment

0.89%
3.89%

Owner-occupied

Investment

0.89%
3.89%

Variable rate

Variable rate

Variable rate

Comparison rate

Comparison rate

Comparison rate

Two colleagues smiling while looking at a laptop.
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."

Secure your no-obligation savings session today

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

Whats is your expected purchase price?

How much deposit do you have?

Are you a first home buyer?

How will be the property be used?

How do you earn income?

What is your full name?

What is your email address?

What is your mobile number?

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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."

Income test 

< $125K for singles, $200K for couples last year.
Property Price caps FY 2023-24
8

NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K (rest)

ACT: $750K (capital only)

NT: $600K (regional only)

Income test 

< $125K for singles, $200K for couples last year.
Property Price caps FY 2023-24
8

NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K (rest)

ACT: $750K (capital only)

NT: $600K (regional only)

Income test 

Applies

Property Price caps FY 24

8

NSW: $900K (capital),$750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K

ACT: $750K (capital only)

See What You Can Afford – Try Our Free Calculators

Picture of Tom Toro, a customer of Mortgage Matrix- seen working on his laptop
Picture of Tom Toro, a customer of Mortgage Matrix- seen working on his laptop

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

Liam R

First home buyer

37+

FAQ's

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

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

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

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

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?

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?

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?

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

Contact us : admin@mortgagematrix.com.au

Legal Information

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.

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.

Mortgage Matrix ©2025. All rights reserved.​
Contact us : admin@mortgagematrix.com.au

Legal Information

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.

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.

Mortgage Matrix ©2025. All rights reserved.​

Contact us : admin@mortgagematrix.com.au

Main office
: Level 38/71 Eagle Street Brisbane City.

Legal Information

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.

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.

Mortgage Matrix ©2025. All rights reserved.​