Buying or refinancing a home
Home loans, refinancing, first homes and investment property, matched across 35+ lenders.
Home loans · Refinance · First home loans · Investment loans
Finance for utes, vans, trucks and machinery for business use. For business vehicles, the structure (for example a chattel mortgage) also affects tax, which your accountant should confirm.
","type":"code"}],"suburb:merrylands":[{"text":"Mortgage Pass provides finance options to clients in Merrylands, postcode 2160, and nearby suburbs including Holroyd, Guildford, Granville, and South Wentworthville. Located less than 1 km west from our office, Merrylands residents can access Home Loans, First Home Loans, Refinance Loans, and Investment Loans. We also assist with Business Loans, SMSF Property Loans, Tradies Finance, and Car Loans.","type":"paragraph"}],"suburb:parramatta":[{"text":"Mortgage Pass provides finance services for clients in Parramatta (postcode 2150), situated about 3 km north-east of our Merrylands office. We assist property buyers and business owners across the area, including neighbouring suburbs like North Parramatta, Rosehill, Granville and Mays Hill. Our offerings include Home Loans, First Home Loans, Investment Loans, Refinance Loans, Commercial Property Loans and Self-Employed Loans.","type":"paragraph"}],"service:home-loans":[{"text":"The cheapest loan is the one with the lowest total cost for how you will use it: rate, fees, and features such as an offset account. How much you can borrow depends on your income, living expenses, existing debts, deposit and credit history, and each lender weighs these differently. That difference is why comparing lender policy matters as much as comparing rates.","type":"paragraph"},{"rows":[["Loan type","Suits you if","Trade-off"],["Variable rate","You want flexibility to make extra repayments and use an offset","Repayments rise when rates rise"],["Fixed rate","You want certain repayments for 1 to 5 years","Break costs if you sell or refinance early; limited extra repayments"],["Split loan","You want some certainty and some flexibility","Two parts to manage"],["Interest-only","You need lower repayments for a period, often investors","The debt does not reduce during that period"],["Offset account","You hold savings and want them to reduce interest","Often attached to packages with an annual fee"]],"type":"table","header":true,"caption":"Home loan types and their trade-offs"},{"text":"Pre-approval","type":"heading","level":3},{"text":"Pre-approval is a lender's conditional yes to a loan amount before you have found a property. It sets a firm budget, shows agents and sellers you are a serious buyer, and flags any issue with your credit or income early.","type":"paragraph"},{"text":"Want a quick estimate first? Try the [borrowing power calculator](/calculators/borrowing-power) and the [repayment calculator](/calculators/repayments).","type":"paragraph"},{"text":"Related: [Refinance](/refinance-loans) · [Business loans](/business-loans) · [Commercial property loans](/commercial-property-loans) · [Fees](/fees) · [Contact](/contact)","type":"paragraph"}],"suburb:silverwater":[{"text":"Mortgage Pass provides finance services to clients across Silverwater, located in the 2128 postcode area near Newington, Sydney Olympic Park, and Lidcombe. Our Merrylands office sits about 5.5 km from Silverwater, helping applicants secure Home Loans, First Home Loans, and Investment Loans. We also work with local business owners seeking Commercial Property Loans, Self-Employed Loans, and Tradies Finance.","type":"paragraph"}],"suburb:wentworthville":[{"text":"Mortgage Pass provides finance options for clients in Wentworthville, postcode 2145, located about 4 km north-west of our Merrylands office. We assist property buyers and business owners in Wentworthville and neighbouring areas like South Wentworthville, Constitution Hill, and Mays Hill with First Home Loans, Refinance Loans, and Business Loans. Our services also include Commercial Property Loans, SMSF Property Loans, and Car Loans to suit different lending requirements.","type":"paragraph"}],"service:business-loans":[{"text":"The right business loan depends on its purpose and your security. Banks are usually cheaper but slower and want property security; alternative lenders are faster and more flexible but cost more. Choosing between them is a trade-off between speed, cost and what you are willing to secure.","type":"paragraph"},{"rows":[["Loan","Best for","Watch for"],["Unsecured business loan","Fast access without property security","Higher rates, shorter terms"],["Secured business loan","Larger amounts against property or assets","Your asset is at risk if you default"],["Low doc business loan","Owners without up-to-date financials","Fewer lenders, higher cost"],["Cash flow loan","Short-term gaps","Short terms, frequent repayments"],["Line of credit","Drawing only what you need","Ongoing fees"],["Equipment finance","Tools, machinery","Balloon payments"],["Business vehicle loan","Utes, vans, trucks","Balloon payments"],["Invoice finance","Cash tied up in unpaid invoices","A cost on every invoice"],["Business loan refinance","Lower repayments, freed-up cash","Break costs"]],"type":"table","header":true,"caption":"Business loans: best for, and what to watch"},{"text":"Related: [Home loans](/home-loans) · [Refinance](/refinance-loans) · [Commercial property loans](/commercial-property-loans) · [Fees](/fees) · [Contact](/contact)","type":"paragraph"}],"service:refinance-loans":[{"text":"Lenders often keep their best rates for new customers, so a loan that was competitive three years ago may not be now. Even a small rate drop can be worth thousands over the life of a loan, but only after costs: discharge fees, application fees, government registration charges, a fixed-rate break cost if you are mid-term, and LMI again if you owe more than 80% of the value. Some lenders offer cashback or waive fees, which can tip the numbers.","type":"paragraph"},{"rows":[["Goal","How refinancing helps"],["Lower rate or repayments","Move to a sharper rate, or ask your lender to reprice with a competing offer"],["Renovate or build","Release equity to fund improvements"],["Investment property","Restructure an investment loan for rate, interest-only terms or splits"],["Business cash flow","Reduce repayments or free up working capital"],["Fixed rate ending","Avoid rolling onto a higher revert rate"],["Debt consolidation","Combine debts at a lower rate, while showing the cost of stretching short-term debt over a long loan term"]],"type":"table","header":true,"caption":"What people refinance for"},{"text":"Compare your current loan with a new rate in the [refinance savings calculator](/calculators/refinance-savings).","type":"paragraph"},{"text":"Related: [Home loans](/home-loans) · [Business loans](/business-loans) · [Commercial property loans](/commercial-property-loans) · [Fees](/fees) · [Contact](/contact)","type":"paragraph"}],"service:tradies-finance":[{"text":"A tradie who moves from a wage to their own ABN can earn more and still look riskier to a bank: irregular invoices, a young ABN, and equipment debt all count against a standard assessment. The fix is the right lender and the right order, for example buying the home before financing a new ute, because new debt reduces what a home lender will offer.","type":"paragraph"},{"rows":[["Loan","Typical use"],["First home loan","Your first home, including government schemes"],["Construction loan","Building your own home, sometimes as owner-builder"],["Vehicle and equipment finance","Utes, vans, trucks, tools and machinery"],["Low doc loan","When tax returns are behind or income has jumped"],["Investment property loan","Building wealth outside the business"],["Refinance and cash-out","Better rate, or equity for the business"]],"type":"table","header":true,"caption":"Loans we arrange for tradies"}],"suburb:north-parramatta":[{"text":"Mortgage Pass supports clients in North Parramatta, located about 5 km north-east of our Merrylands office in postcode 2151. We assist individuals and businesses in North Parramatta and neighbouring areas like Parramatta, Constitution Hill, and Rydalmere with Home Loans, Refinance Loans, First Home Loans, and Investment Loans. Our team also provides Self-Employed Loans, Commercial Property Loans, and Car Loans.","type":"paragraph"}],"service:first-home-loans":[{"text":"Most first home buyers start with the interest rate. The bigger numbers come first: your deposit, whether you need lenders mortgage insurance (LMI), and whether you pay stamp duty. A 20% deposit usually avoids LMI; with 5% to 20%, you either pay LMI or use a government guarantee that replaces it.","type":"paragraph"},{"rows":[["Scheme","What it does","Official source"],["First Home Guarantee (federal Home Guarantee Scheme)","Lets eligible buyers purchase with a smaller deposit without paying LMI","Housing Australia"],["First Home Buyers Assistance Scheme (NSW)","Stamp duty exemption or concession, depending on price","Revenue NSW"],["First Home Owner Grant (NSW)","A grant for eligible new homes","Revenue NSW"]],"type":"table","header":true,"caption":"The schemes Mortgage Pass helps first home buyers use"},{"text":"What we help with: pre-approval guidance, loan application support, government scheme applications, lender matching, low deposit loans, and a refinance review later.","type":"paragraph"},{"text":"See what you may pay on a NSW purchase with the [stamp duty calculator](/calculators/stamp-duty), including first home buyer concessions.","type":"paragraph"}],"service:investment-loans":[{"text":"Investors lose borrowing power in two quiet ways: a loan structure that ties up equity, and a lender that discounts rental income heavily. Investment loans usually carry slightly higher rates than owner-occupier loans and different tax treatment, so the structure is worth getting right before you buy.","type":"paragraph"},{"rows":[["Option","Use it for"],["Standard investment loan","Principal and interest on a residential investment"],["Interest-only investment loan","Lower repayments for a set period while you hold the property"],["Equity release","Using equity in your home or another property as the deposit"],["Renovation and value-add","Funding improvements that lift rent or value"],["Investment loan refinance","A sharper rate or better structure on an existing investment"],["SMSF property loan","Buying through your super fund (see SMSF page)"]],"type":"table","header":true,"caption":"Investment loan options we arrange"},{"text":"Properties you can finance: houses, apartments, commercial property such as offices and retail, and multi-unit developments.","type":"paragraph"}],"suburb:constitution-hill":[{"text":"Mortgage Pass assists clients in Constitution Hill, located in postcode 2145 and about 5 km north of our Merrylands office. We provide access to Home Loans, First Home Loans, Refinance Loans, and Investment Loans for residents near Wentworthville, North Parramatta, and South Wentworthville. Our range also covers Business Loans, Commercial Property Loans, Tradies Finance, and Self-Employed Loans to suit different financial goals.","type":"paragraph"}],"suburb:sydney-olympic-park":[{"text":"Mortgage Pass provides access to lending options for clients in Sydney Olympic Park, postcode 2127, located about 8 km east of our Merrylands office. We assist clients across Newington, Homebush, Lidcombe and Silverwater with services including First Home Loans, Investment Loans, Refinance Loans and Business Loans. Whether you need Tradies Finance, Car Loans or Home & Land Construction Loans, we support borrowers across the region.","type":"paragraph"}],"service:self-employed-loans":[{"text":"Bank checklists are built for payslips. If you are a sole trader, ABN holder, freelancer, contractor or company director, your real income can hide inside company profits, trust distributions, depreciation and one-off expenses. Before broking, Julie spent years working with businesses in building, fresh produce and retail, so she reads financials the way a credit assessor will.","type":"paragraph"},{"rows":[["Documentation","What it usually involves","Trade-off"],["Full doc","Two years of personal and business tax returns and notices of assessment","Widest lender choice, best rates"],["Low doc or alt doc","BAS, business bank statements, or an accountant's declaration","Fewer lenders; often a higher rate or lower maximum loan-to-value"]],"type":"table","header":true,"caption":"Full doc or alt doc"},{"text":"Loans we arrange for self-employed clients: low doc home loans, business loans, asset loans, refinancing, commercial property loans, and vehicle and equipment loans. Industries we work with most: construction and trades, hospitality, agriculture, and professional services.","type":"paragraph"},{"type":"cards","items":[{"ctas":[{"href":"/business-loans","label":"Business loans"}],"text":"Business finance matched to what it pays for: stock, equipment, vehicles, premises or cash flow.","heading":"Business Loans"},{"ctas":[{"href":"/builder-construction-loans","label":"Builder loans"}],"text":"Finance for residential and commercial projects, from duplexes and NDIS-compliant homes to office fit-outs and incomplete builds.","heading":"Builder Construction Loans"},{"ctas":[{"href":"/finance-for-professionals","label":"Professionals"}],"text":"Home loans and business finance for doctors, dentists, lawyers, accountants, engineers, architects and consultants.","heading":"Finance for Professionals"},{"ctas":[{"href":"/tradies-finance","label":"Tradies"}],"text":"Finance for plumbers, electricians, carpenters, landscapers, tilers and other trades, whose income often swings month to month.","heading":"Tradies Finance"}],"columns":4}],"service:smsf-property-loans":[{"text":"SMSF loans are more complex than standard investment loans because of strict lending criteria, legal structures and compliance obligations. The property is held in a separate holding trust under a limited recourse borrowing arrangement, so the lender's claim is limited to that property.","type":"paragraph"},{"text":"What lenders usually require","type":"heading","level":3},{"rows":[["A fund that complies with ATO rules, and a trust deed that allows borrowing"],["A corporate trustee, which most lenders prefer or require"],["Enough in the fund for the deposit, typically 20% to 30%, plus costs and a cash buffer"],["Evidence of the fund's income and investment strategy"]],"type":"table"},{"text":"The property rules: it must be for investment only. You cannot live in a residential property the fund owns, or rent it to a family member. Commercial property can be leased to a related business at market rent.","type":"paragraph"}],"suburb:south-wentworthville":[{"text":"Mortgage Pass assists clients in South Wentworthville with securing options such as First Home Loans, Refinance Loans, and Investment Loans. Located about 2.5 km north-west of our Merrylands office, South Wentworthville sits within the 2145 postcode, neighbouring Wentworthville, Mays Hill, Merrylands, and Guildford. We also arrange Self-Employed Loans, Tradies Finance, and Commercial Property Loans for local property owners.","type":"paragraph"}],"service:commercial-property-loans":[{"text":"Commercial loans usually need a larger deposit than home loans, carry shorter terms, and are reviewed periodically. Lenders assess the lease, the tenant, the property type and, for owner-occupiers, the business's trading. Buying premises through an SMSF is also possible under strict rules (see SMSF page).","type":"paragraph"},{"text":"Related: [Home loans](/home-loans) · [Refinance](/refinance-loans) · [Business loans](/business-loans) · [Fees](/fees) · [Contact](/contact)","type":"paragraph"}],"service:finance-for-professionals":[{"text":"Professional income is often more complex than it looks: bonuses, commissions, profit distributions, a practice structure, or a recent move from salary to contracting. Tax minimisation at end of financial year can also reduce your borrowing power on paper. The right lender recognises your full income and your profession's lower risk.","type":"paragraph"},{"rows":[["Loan","For"],["Professional home loan","Buying a home, possibly with an LMI waiver for eligible professions"],["Low doc loan","Recently self-employed or contracting professionals"],["Commercial property loan","Buying your rooms, practice or office"],["Vehicle and equipment finance","Practice equipment and business vehicles"],["Cash flow loan","Short-term working capital for the practice"],["Line of credit or overdraft","Drawing only what you need"],["Investment, refinance and construction","As on their own pages"]],"type":"table","header":true,"caption":"Loans we arrange for professionals"}],"service:builder-construction-loans":[{"text":"Project lenders judge the builder as much as the build: licence, track record, costings and how the numbers hold if sales or valuations slow. Major banks often step back from smaller or unusual projects, so second-tier and specialist lenders matter here.","type":"paragraph"},{"rows":[["Project type","Examples"],["Residential","New builds, duplexes, NDIS-compliant homes"],["Commercial","Office spaces, retail fit-outs"],["Incomplete builds","Taking over or finishing a stalled project"],["Renovations and extensions","Major works for clients or on your own stock"],["Low doc","Builders without up-to-date financials"]],"type":"table","header":true,"caption":"Projects we finance"}],"service:home-and-land-construction-loans":[{"text":"Construction lending is assessed on your land, your fixed-price building contract and your plans, and the lender values the home as it will be when finished. The usual problems are timing and gaps: a variation mid-build that the loan does not cover, or a lender whose drawdown process slows your builder down.","type":"paragraph"},{"rows":[["Loan","For"],["New home construction","Building on land you own or are buying"],["Knock-down rebuild","Replacing your existing home, using the land's equity"],["Owner-builder","Managing the build yourself (fewer lenders; stricter criteria)"],["Renovation and extension","Major works funded in stages"],["Incomplete build finance","Finishing a build after a builder leaves or funds run out"],["Low doc construction","Self-employed owners without full financials"]],"type":"table","header":true,"caption":"Construction loans we arrange"},{"text":"Often missed: combining land and construction in one loan, refinancing mid-build to a better lender, and paying interest-only during construction to protect cash flow.","type":"paragraph"}]},"suburbPages":{"office":{"lat":-33.836023499999996,"lng":150.9889036,"locality":"Merrylands"},"builtAt":"2026-09-30T12:23:25.500Z","suburbs":{"sydney":{"name":"Sydney","facts":[{"key":"from_office","date":"2026-09-30","label":"From our office","value":"about 21 km east (city centre)","source":"computed"},{"key":"council","date":"2026-09-30","label":"Council","value":"City of Sydney","source":"openstreetmap"},{"key":"station","date":"2026-09-30","label":"Nearest station","value":"Martin Place station","source":"openstreetmap"},{"key":"roads","date":"2026-09-30","label":"Main roads","value":"Cahill Expressway, Western Distributor and Eastern Distributor","source":"openstreetmap"}],"centre":{"lat":-33.8698439,"lng":151.2082848,"date":"2026-09-30","source":"openstreetmap","cityCentre":true},"missing":["OpenStreetMap has no postcode for this suburb."]},"burwood":{"name":"Burwood","facts":[{"key":"from_office","date":"2026-09-30","label":"From our office","value":"about 12 km south-east","source":"computed"},{"key":"postcode","date":"2026-09-30","label":"Postcode","value":"2134","source":"openstreetmap"},{"key":"neighbours","date":"2026-09-30","label":"Neighbouring suburbs","value":"Concord and Homebush","source":"brand"}],"centre":{"lat":-33.8784753,"lng":151.104049,"date":"2026-09-30","source":"openstreetmap"},"missing":["The map lookup did not answer (Overpass unreachable (The operation was aborted due to timeout)), so council, station and roads are unknown for now. 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