From search to settlement, we’re in your corner.

Explore Home Loan Options - Obligation-Free

30+ Lenders I $3k Cash Back Offer I 100% Free Service

No Credit Check I $3k Cash Back Offer I Free Service

With Mortgage Matrix by your side, securing the right loan feels simple and stress-free.

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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

25+ Banks available

Approved in principal

Settlement

Booked

Engage a solicitor or conveyancer

Legal

Sign loan documents

we will guide you

Time to celebrate: Congratulation, You're officially a

homeowner!
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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, savings targets and more.

Get a great home loan, the first time

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.

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)

Make home loan decisions simpler

Focus on what matters - let us handle the busywork

Picture of Zac, cofounder of Mortgage Matrix
Your Mortgage Broker
CV reconginition
AI
Analyse experience in {Area}
Yes, Zac has 10 years of experience in home lending
Compatibility
AI
Speciality in first home buyers
Loves to play rugby
Level 3 rugby coach
Baljot Singh
Relanship Consulant @ MM
Viren Sonik
Senior home loan specialist
Zachary Russell-Sharam
Senior home loan specialist @MM

How we can help

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.

Don't Just Take Our Word For It

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Don’t Just Take Our Word For It

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A virtual coffee?

let's chat with us

25+ banks

It's free

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.​