Do you charge for your mortgage broker service?

No, our mortgage broker service is completely free for clients. We are paid by the lender, so you get expert home loan advice without any cost.

Can you help me refinance my home loan?

Yes, we specialise in home loan refinancing. We’ll compare lenders, find you a better rate or features, and handle the entire process for you.

Do you work with first home buyers?

Absolutely. We help first home buyers understand their options, access government grants, and secure the right home loan for their needs.

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.

37+

Excellent • 5 out of 5 • 37 Reviews

I want to buy

I want to refinance

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!

A lady sipping coffee, relaxed and watching mortgage matrix taking care of mortgage needs.

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.

Home Loan Borrowing Power Calculator

Know your budget

Home Loan Refinance Calculator

Find a better loan for your goals

Home Loan Repayment Calculator

Compare Options

Our Guides & Tools

Read below

Offset vs redraw

Whats the difference

Learn more about pre-approval

added

added

Jasmine M.

How to maximise your borrowing capacity:

a guide

Which home loan is best for you?

Fixed/variable/IO

Have a question about buying your first home?

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.

Book an appointment online

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."

Are you eligible?

Book appointment

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)

FHBG Factsheet

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

Book Meeting

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

37+

Don’t Just Take Our Word For It

37+

Arushi Mehta

Refinance

Zac and team were great to work with. All loan documents were explained in detail and the loan process was transparent and easy to follow. Highly recommended.

Arushi Mehta

Refinance

Zac and team were great to work with. All loan documents were explained in detail and the loan process was transparent and easy to follow. Highly recommended.

Steven W

First home buyer

Big thanks to Zach and Mortgage Matrix for helping me refinance my mortgage. I was thoroughly looked after and stepped through the process so easily and efficiently.

Steven W

First home buyer

Big thanks to Zach and Mortgage Matrix for helping me refinance my mortgage. I was thoroughly looked after and stepped through the process so easily and efficiently.

Alex Carruthers

Refinance

I had a great experience working with the guys at Mortgage Matrix. From beginning to the end i made to feel comfortable that i was receiving the best financing options available to me.

Alex Carruthers

Refinance

I had a great experience working with the guys at Mortgage Matrix. From beginning to the end i made to feel comfortable that i was receiving the best financing options available to me.

Ready to join them?

A virtual coffee?

let's chat with us

25+ banks

It's free

100% Completed

25+ Banks available

Booked

Legal

we will guide you

homeowner!

See What You Can Afford – Try Our Free Calculators

Home Loan Borrowing Power Calculator

Home Loan Refinance Calculator

Home Loan Repayment Calculator

Our Guides & Tools

Offset vs redraw

Whats the difference

added

Jasmine M.

J M.

Guarantor loan

Get real estimate

added

Jasmine M.

Fixed/variable/IO

Get a great home loan, the first time

Features designed for you

Buy next property with confidence.

Understand your borrowing capacity

First Home Owners’ Grant

Buy Your First Home with Just 5% Deposit – No LMI, No Catch!

Low Deposit

No LMI

Awesome Rates Variable and Fixed

What if you don’t qualify?

Are you eligible?

Book appointment

< $125K for singles, $200K for couples last year.

Property Price caps FY 2023-24

8

FHBG Factsheet

Make home loan decisions simpler

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

Book Meeting

Home loans we can help you find.

Cash backs and exclusive deals

Flexible deposit options

Guarantor loans made easy

Construction & bridging loans

Cross collateralisation

Debt consolidation one payment

Don't Just Take Our Word For It

Don’t Just Take Our Word For It

Ready to join them?

A virtual coffee?

let's chat with us

Request a call back