A home loan matched to your deposit, income and plans, not just the lowest advertised rate. Julie compares 35+ lenders, gets you pre-approved, and manages the loan through to settlement.
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.
| 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 |
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.
Want a quick estimate first? Try the borrowing power calculator and the repayment calculator.
Related: Refinance · Business loans · Commercial property loans · Fees · Contact
For owner-occupiers buying their next home.
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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.
“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!”
“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.”
“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!”
These are just some of the local suburbs we cover.
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