RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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  Mortgage Pass [ FINANCE SPECIALISTS ]

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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)
Single Parents May Access Programs That Requires Only a 2% Deposit with No LMI. Rates from 4.94% (5.95%*). Call us to Discuss Eligibility.
Single Parents May Access Programs That Requires Only a 2% Deposit with No LMI. Rates from 4.94% (5.95%*). Call us to Discuss Eligibility.
HOME LOAN RATES FROM 4.94% (5.95%*). Up to $4000 cashback with selected lenders!
 Single Parents May Access Programs That Requires Only a 2% Deposit with No LMI. Rates from 4.94% (5.95%*). Call us to Discuss Eligibility.
Single Parents May Access Programs That Requires Only a 2% Deposit with No LMI. Rates from 4.94% (5.95%*). The program is Government backed and supported by a number of lenders. Call us to Discuss Eligibility.
Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
  Timezone: 1 · [ CHANGE ]

Borrowing Capacity. We'll look at your financial position to determine how much you can borrow.
Serviceability. We'll look at your current obligations and measure that against various options to see payments you can afford.
The Process. We'll explain the entire process and detail what documents will be required for the application.
Government Grants. You may be eligible for a First Home Buyer grant or other Government grant.
The Structure. We will discuss structures that allows you to build future wealth through investing.
The Deposit. As little as 5% may be required, and in some cases as little as 2%. We'll discuss your options.
Brilliant Support. Supported by leading experts with expert tech and ongoing education and support.
Borrow More, Pay Less. Home Loan rates from 4.94% (5.95%*). IO Investor Rates from 5.34% (5.97%**).

First Home Buyers

Refinance

Investment Loans

Construction Loans

Your Next Home

SMSF Finance

Asset & Equipment Loans

Self-Employed Loans
  5.43% 6.02%*  
OWNER OCCUPIED VARIABLE
  4.94% 5.95%*  
OWNER OCCUPIED FIXED
  5.34% 5.97%*  
INVESTMENT IO
  4.99% 5.91%*  
INVESTMENT P&I
  4.94% 5.95%*  
FIXED RATES
  5.43% 6.02%*  
VARIABLE RATES
  5.44% 6.78%*  
INTRODUCTORY RATE
  5.54% 6.42%*  
DISCOUNT RATES
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)
The Mortgage Pass Promise

Competitive Finance

We have access to hundreds of bank, non bank, and other lenders and will do all the hard work to find you the best deal.

Expert Advice

We will find you the best product for your specific circumstances, and we will also complete a financial health check.

Stress Free Service

We will guide and support you through the entire process. It’s easy, fast and stress-free. Our service doesn’t end with settlement.
  Ready for a chat? Book in a 20-minute consultation now
Selected Multiple Lenders (Fixed)
Interest*
4.94%
Comparison*
5.95%
   
4.99%
5.77%
   
4.99%
5.91%
   
4.99%
6.15%
   
Selected Multiple Lenders (Variable)
Interest*
5.43%
Comparison*
6.02%
   
5.44%
6.78%
   
5.59%
5.64%
   
5.59%
5.66%
   
Selected BIg-4 Lenders (Variable)
Interest*
5.84%
Comparison*
5.97%
   
6.04%
6.05%
   
6.14%
6.14%
   
6.14%
6.51%
   
Selected Invest Products (IO)
Interest*
5.34%
Comparison*
5.97%
   
5.44%
6.40%
   
5.49%
6.02%
   
5.58%
5.99%
   
SELECTED HOME LOAN RATES :: 4.94% (5.95%*)   4.99% (5.77%*)   4.99% (5.91%*)   4.99% (6.15%*)   5.14% (6.17%*)   5.19% (5.72%*)   5.29% (6.84%*)   5.30% (5.38%*)   5.34% (5.78%*)   5.34% (6.32%*)   5.35% (5.70%*)   5.39% (6.09%*)   5.39% (6.22%*)   5.39% (6.30%*)   5.39% (7.25%*)   5.44% (7.16%*)   5.45% (5.94%*)   5.49% (5.71%*)   5.49% (5.79%*)   5.49% (5.80%*)   5.49% (5.89%*)   5.49% (5.91%*)   5.49% (5.96%*)   5.49% (6.07%*)   5.49% (6.12%*)   Contact us for a better understanding of what rates might apply
EXPERTS IN ALL AREAS OF PROPERTY FINANCE
We believe that our relationship doesn't end on the loan settlement. You will continue to receive our support and guidance as your circumstances change.

OUR APPROACH

As highly experience mortgage brokers, property investors and real-estate professionals, we’ll work relentlessly to guide you into a product that is suited to your circumstances.

THE PROCESS

We guide you through every step of the home buying or investment process – before and after settlement. We provide cutting edge insights on the property and money market..

YOUR EXPERIENCE

We have a customer focused, solution driven attitude. Our aim is to be your trusted adviser driven by transparent advice, and backed by good old fashioned personal service..

  Ready for a chat? Book in a 20-minute consultation now
We will guide you through every step of the process.
Receive 100% independent financial advice from a broker who is invested in your future

You will receive a more personalised service than you would typically receive at a bank. Think of us as your personal banker. We are not owned by any bank and are here to provide you with the best product for your needs and unique circumstances, regardless of what lender it is with.

We will guide you through every step of the process and talk in easy to understand language, so you are aware of everything that is going on with your mortgage.

Invest Fixed Rates
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
Invest Variable Rates
Interest*
5.79%
Comparison*
5.82%
   
5.81%
5.82%
   
5.84%
5.84%
   
5.84%
5.89%
   
Invest Interest Only
Interest*
5.34%
Comparison*
5.97%
   
5.44%
6.40%
   
5.49%
6.02%
   
5.58%
5.99%
   
…
 Not all Mortgage Brokers are created equal. Read our blog to get valuable expert insights.
In addition to our regular blog articles, consider our extensive Frequently Asked Questions
 What Others Have to Say...
Need to see more testimonials? Visit our Testimonials Page
 A Better Rate. A Better Structure. Better Service.
Hundreds of products from up to 40 Lenders, including the Big Banks [ REVIEW RATES ]
What Happens Next?

Step 1

Schedule Your Free Strategy Session

Simply select a 15 minute time slot that works for you and our expert broker will call you to discuss your scenario.

Step 2

We Will Research The Market & Find The Best Offer

We will do all the heavy lifting and use our extensive experience to find you the best rate and structure for your home loan.

Step 3

Present You With A Proposal

A proposal will be presented for your review and approval.

Step 4

Get Your Loan Settled

Once a proposal is accepted, we get your loan as timely as possible and support you every step of the way!
  Ready for a chat? Book in a 20-minute consultation now
  Follow us on Social Media
Latest from our Instagram feed. You may review our social media articles from our Social Archive [ REVIEW OUR VIDEO ARCHIVE ]
 Renovating Your Home To Be More Sustainable and Energy Efficient may Qualify You For a Lower-Rate Green Loan

■ ■ ■

The Green Home Offer provides a discount on your Standard Variable Rate home loan for eligible customers who buy, build or renovate their homes to be more sustainable and energy efficient. Eligibility criteria applies.
  Fixed Interest Only (P&I)
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
  Variable Interest Only (P&I)
Interest*
5.79%
Comparison*
5.82%
   
5.81%
5.82%
   
5.84%
5.84%
   
5.84%
5.89%
   
  Invest Interest Only
Interest*
5.34%
Comparison*
5.97%
   
5.44%
6.40%
   
5.49%
6.02%
   
5.58%
5.99%
   
  Invest Loans
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
 Looking for Business, Personal, SMSF, or other Finance?
We can provide financial solutions for business, personal, equipment, and other needs.
Business Finance General
Interest*
6.10%
Comparison*
0.00%
   
6.14%
0.00%
   
6.24%
0.00%
   
6.24%
0.00%
   
  Business Vehicle Options
Interest*
6.49%
Comparison*
0.00%
   
6.49%
6.86%
   
7.35%
0.00%
   
7.90%
8.12%
   
Selected Personal Loans
Interest*
6.29%
Comparison*
6.50%
   
6.54%
7.59%
   
6.74%
7.09%
   
6.84%
7.48%
   
  Selected SMSF Options
Interest*
10.76%
Comparison*
0.00%
   
10.76%
0.00%
   
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)
123 Placeholder Street, MySuburb 2000
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

J Gear Pty Ltd T/As Mortgage Pass ABN 32 087 513 951 (Credit Representative Number 526611) is authorised under Mortgage Specialists Pty Ltd ABN 48 612 422 178 (Australian Credit Licence 387025). Suite 1/219 Merrylands Rd Merrylands 2160. Lv2, 263 Clarence Street Sydney 2000. Telephone: 0455 510 512. Primary Email: info@mortgagepass.com.au. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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