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Merrylands · Mortgage broker

First Home Loans Near Me | NSW

Looking for first home loans near you? Mortgage Pass is based in Merrylands and serves the surrounding NSW area, including Sydney, Burwood, Concord, Holroyd, Homebush, Lidcombe. Call 0455 510 512 or send an enquiry below.

What we do

First Home Loans

For first home buyers, including those using government schemes.

What’s included

  • A check of the federal and NSW schemes you qualify for
  • A true-cost budget: deposit, stamp duty, LMI or its waiver, legal and settlement costs
  • Pre-approval with a lender that takes part in your scheme
  • Government scheme applications
  • A re-check of the numbers before you sign or bid
  • Formal approval and settlement with your conveyancer

Problems we solve

  • Not knowing which schemes you qualify for
  • Stamp duty and LMI surprises
  • A deposit under 20%
  • Being self-employed or a contractor
  • Bidding before you know your budget
What we cover

Good to know

Tap any one to read the detail.

What you need

Proof of steady income, a clean or explainable credit history, genuine savings, photo ID.

Self-employed buyers can qualify too, usually with recent tax returns or BAS statements.

How it works

How we deliver

1
Scheme checkwhich federal and NSW schemes you qualify for, and the price caps that apply.
2
Budgetdeposit, stamp duty, LMI or its waiver, legal and settlement costs, so you know your true buying range.
3
Pre-approvalwith a lender that participates in the scheme you need.
4
Property search and contractwe re-check the numbers before you sign or bid.
5
Formal approval and settlementwith your conveyancer.
Pricing

Honest, up-front pricing

Starts with a free assessment

The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.

Reviews & ratings

Loved by the local community

5
Based on 53 Google reviews
553
40
30
20
10
JJ
Joanna Jodeh
google

“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”

Posted on Google · 2026-10-01
SJ
Shorouk Jodeh
google

“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”

Posted on Google · 2026-09-26
LR
Lisa Ralph
google

“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”

Posted on Google · 2026-06-26

Meet your team

Led by people, not a faceless help desk

JJ
Julie Judge
First Home Loans lead · Diploma of Finance and Mortgage Broking Management
FAQs

Questions answered

What do I need to qualify for a first home loan?
Mortgage Pass looks for steady income, a good credit history, and a deposit, usually 5% to 20% of the price.
How much deposit do I need?
Mortgage Pass finds at least 5% is needed with most schemes and lenders; 20% avoids LMI without a scheme.
What government help is available in NSW?
Mortgage Pass helps NSW first home buyers with the First Home Guarantee, the NSW First Home Buyers Assistance Scheme for stamp duty, and the First Home Owner Grant for eligible new homes.
Can I buy my first home if I am self-employed or a contractor?
Yes. Many lenders Mortgage Pass works with accept recent tax returns or BAS statements.
Should I get pre-approval before I look at homes?
Yes. Pre-approval through Mortgage Pass sets your budget and makes your offer stronger.
Business information

Mortgage Pass

Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Hours
Plus Code & geo
5X7Q+HH · -33.83602, 150.98890Open map →
Credit licence
Australian Credit Licence 387025

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Find us

Hours, directions and map

  • Address1/219 Merrylands Road
    Merrylands NSW 2160
  • StatusHours
  • Google Plus Code5X7Q+HH
Get directions to Merrylands

Opening hours

Hours
Monday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
ThursdayToday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed

Status: Open today 9:00 am – 6:00 pm

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