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Welcome to Mortgage Empire The Best Loan Broker

Whether looking for a loan for a new home, an investment property, personal and business loans or simply refinance your existing loans, Mortgage Empire can help. Providing advice on loan structure and a choice of over 1500 loan products from more than 40 Australia's most trusted lenders, we will find just the right loan to suit your needs. Our expert advice on home loans will save you time and worry, and guide you to a result in which you can feel confident.

Mortgage Empire is a top mortgage brokerage in Australia that is here to help you achieve your dream of owning a home. Our team consists of experienced mortgage brokers who are experts at simplifying the home loan process and helping you achieve your homeownership dream and goals. Our expert mortgage brokers make mortgages and financial decisions easier to understand giving you the confidence and choice to make your own informed decision.

Our home loan brokers speak several languages, including English, Nepali, Newari, Bangladeshi and Hindi. At Mortgage Empire, we're more than just brokers - we're your partners in your home or investment property buying journey.

How Does Our Home Loan Brokerage Make A Difference?

We are not like the other typical mortgage brokers. We are here to make a difference by offering real choice, personalised advice, and stress-free support—ensuring you're not just getting a loan, but the right loan for you.

When you have our home loan brokers at your side, it helps you in the following ways:
  • Access to an Extensive Range of Lenders & Products: Mortgage Empire isn’t limited to one lender or bank. As a mortgage broker, we offer access to a wide network of banks, non-bank lenders, building societies, and specialist lenders—giving you more options than you'd get going directly to a single bank.
  • Effortless Home Loan Process & Rapid Approval: We know life is busy—juggling work, family, and social commitments—so our expert mortgage brokers take the stress out of home loans. We streamline the paperwork, chase up lenders, and keep momentum moving—so you get the support you need, when you need it.
  • Time and Stress Savings Through Expert Guidance: Our brokers handle the heavy lifting—researching deals, completing paperwork, and negotiating terms—saving you time and simplifying a complex process.
  • Tailored Advice—Especially for Complex Cases: Whether you’ve just launched a new business, are casually employed, face challenges like a low deposit or imperfect credit, or are purchasing a unique property, Mortgage Empire mortgage brokers are expert at connecting you with lenders tailored to your individual circumstances,
  • Potential Access to Exclusive or Better Mortgage Deals: We often have access to lender offerings, special rates, or incentives not advertised publicly. That means you could secure a more competitive deal than you’d find on your own.
  • Unbiased, Whole-of-Market Recommendations: Unlike lenders who only sell their own products, Mortgage Empire evaluates the entire market to recommend the best fit for your goals. This impartial approach helps align your mortgage with your financial needs.

Our Life Long-Term Support You’re Never Alone

One of the most important aspects of our brokerage is that we offer life long-term support.

At Mortgage Empire, our support doesn’t end at settlement—we’re with you throughout every stage of your homeownership journey, whether you’re buying your first property or downsizing for retirement. We provide ongoing guidance—including regular mortgage reviews, refinancing advice, and updates on market opportunities—to ensure your mortgage remains aligned with your changing needs. Ultimately, our long-term partnership means you’re never navigating your mortgage alone.

We Help You To Make Independent & Informed Decisions

Drawing on decades of experience, we provide precise home loan guidance designed to empower you to make independent, well-informed decisions. Our customer-centric approach ensures clarity, transparency, and decisions tailored to your unique situation. We don’t just offer mortgage options—we explain them in plain English, so you understand every step.

We Understand You, Your Culture and Language

Our brokers bring deep cultural expertise to address the unique challenges faced by borrowers from diverse backgrounds. We adapt our service to respect and honour cultural nuances—fostering trust and understanding at every stage. All key information, resources, and expert advice are available in English, Nepali, and Hindi to ensure clarity and comfort. By offering multilingual support, we break down language barriers and empower you to fully understand and confidently navigate the mortgage process.

More Than Just Home Loans

At Mortgage Empire, we offer far more than a typical home loan service. Leveraging our decades of experience, we deliver strategic solutions tailored to your evolving life goals—whether you’re buying your first home, investing, or planning for retirement.
  • Optimal Loan Structuring for Maximum Benefit: True loan optimisation goes beyond getting a mortgage—it’s about making your debt work for your life. By combining smart loan types, strategic repayment options, and future-proof structuring, we help you to maximize benefits, reduce costs, and secure long-term financial agility.
  • Property Advisory & Portfolio Support: We go beyond mortgages to assist with investment and owner-occupied property purchases, helping investors build portfolios aligned with lifestyle goals and financial freedom.
  • SMSF Investment Expertise: We specialize in helping clients invest in property through their Self-Managed Super Fund (SMSF) to strategically build wealth and secure their retirement. Using compliant structures like Limited Recourse Borrowing Arrangements (LRBAs), we enable tax-efficient property acquisition while protecting your assets. With tailored guidance and deep expertise, we empower you to confidently grow your retirement savings through property ownership.
  • Broad Financing Solutions: We provide customised and personalised loan service to cover your personal life’s expenses whether that is something planned like your education, wedding, buying a car or something completely unexpected like medical emergency.
  • Extensive Lending Network: With access to lenders and industry specialists, we offer a comprehensive range of funding options—resembling full-service finance firms that serve broader borrower needs.

What Are The Major Aspects Of Our Home Loan Brokerage?

The most interesting aspect of our home loan brokerage is that:
  • Clear Guidance Through Every Step: Our brokers support you through the entire home-buying journey—from pre-approval to settlement—ensuring you're well-informed and at ease at each stage of the process.
  • Demystifying Mortgage Jargon: From concepts like debt-to-income ratio to loan-to-value ratio and creditworthiness, we explain all the technical terms in plain language—so you're empowered to make informed decisions confidently.
  • Zero to Minimal Deposit Home Loan Options: We help you secure your dream home with as little as a 5% deposit, and in certain cases, even zero deposit, through strategies such as guarantor home loans—allowing you to borrow up to 100–105% of the property’s value without upfront savings needed
  • Equity Release for Investment Property: If you already own a property, we can assist in releasing equity—via refinancing or top- up loans—to fund the purchase of an investment property, leveraging your existing asset to grow your wealth.
  • Deposit Saving Strategy: We help you design a tailored plan for how much to save and how much to put down upfront maximizing your deposit efficiency and optimizing your borrowing position

Find Loan Products We Offers

We will match you with a loan program that meets your financial needs.
Personal Loan

Personal Loan

Would you like money for holiday, wedding, and other personal use? We can help you achieve your wish with one of the lowest personal rate in the market.

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Car Loan

Car Loan

Would you like to buy a new or old car? We can help you to get your dream car with no maximum limit on what you can borrow.

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Business Loan

Business Loan

Would you like to buy a business to operate from and have residential or commercial property for security? We can help to maximize your potential though a range business loan solutions.

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SMSF Property Loan

SMSF Property Loan

Would you like to invest in residential or commercial property through SMSF? We can help you to diversify and accelerate your wealth by borrowing through Self-Managed Super Fund.

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Investment Loan

Investment Loan

Would you like to buy your investment property? We can help you build property portfolio and growth your wealth with choice of investment loan options and repayment strategies.

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Home Loan

Home Loan

Would you like to buy your first home? We can help you find, buy and own your home with expert tips and a range of loan to suit any budget and lifestyle.

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Fast & Easy Application Process.

We will love us, because we work for you, not for banks
1

We Understand Your Need First

We will organise meeting and discussion to understand your financial circumstances,
position, objective and need.

2

We Find The Right Loan For You

We will conduct a thorough research form our wide range of
loan product and lender choice to find the right loan for you.

3

We Apply & Get loan Approval

With your permission, we will apply to the most suited lender and
get approval within the required timeframe.

View Our Loans

Why choose us

We are experts in finding the right loan solution for you. This is what we do best and have been doing for years. There are many brokers, who can find loans, but we can find better deals for you.

Explore our calculators

Loan repayment calculator
Property buying cost calculator
Savings Goal Calculator - How Long to Save

Important FAQs To Ask Before Hiring Our Home Loan Brokers

The repayment amount will depend on:
  • The type of loan taken
  • The principal amount of the loan
  • The repayment frequency
  • The length of the loan term

Not necessarily. It generally depends on the overall health of your financial position, which comprises your income and expenditure, assets and liabilities and the amount of your deposit. We will advise you if guarantor loan is a suitable option for you.

A credit check by a mortgage broker like us does not impact your credit score at all, because we check your credit report as an information seeker (not a lending enquiry, which a lender does). This is also called as soft credit check

Yes, there are many lenders who allow individuals with casual or freelance jobs to take out a home loan. We work closely with our lenders to help them understand the real story behind your income and create a loan offer that best suits you.

To determine the amount you can borrow, you need to work on your disposable income. Your lending capacity is calculated by deducting your regular expenditure from your regular income. This will determine the amount that is left over for repayment of the home loan. Get in touch with our expert mortgage brokers, so we can assess your borrowing capacity

In case you do not have any credit history, it would be difficult for you to obtain a home loan. However, our expert brokers will do all that it takes to help you obtain the loan.

We offer a wide range of home loan options, including first-home buyer loans, refinancing, investment property loans, construction loan for land and house and variable or fixed-rate mortgages. Our expert brokers help match you with the right loan to suit your goals and financial situation.

We do not charge any fee for our home loan service, as we get paid by the lender.

Absolutely! We assist first home buyers with understanding and applying for available grants such as the First Home Owner Grant (FHOG), stamp duty concessions, and other specific incentives.

Generally, a deposit of at least 5–20% of the property’s value is required. However, with lender’s mortgage insurance (LMI) or through certain first home buyer schemes, you may be eligible to buy with a smaller deposit. We’ll guide you through your options.

You’ll typically need proof of income (payslips, tax returns), ID, bank statements, and details of your expenses and liabilities. Our team will provide a full checklist and help you prepare your application for a smoother approval process.

Pre-approval can often be secured within 2–3 business days, while full approval may take 3–5 business days depending on the lender and your situation. We work hard to streamline the process and keep you informed every step of the way.

Usually, home loan pre-approvals are valid for a period of 90 – 120 days - greatly depending on the lending body. Even if it expires before you purchase a property, we can still extend it or renew it with the updated terms.

Lenders perform a credit check during the time of pre-approval. While one application doesn’t have much impact, multiple applications can lower your credit score. So, it’s in your best interests that you avoid doing that.

A pre-approved home loan offer from us can be valid for around 90 -120 days. But if you fail to find a home within that period, we can refresh your application and make you another offer that speaks of the best home loan for first home buyers in Sydney.

You can expect the First Home Owners Grant at the slab stage if you are building your dream home . If you’re purchasing a new home or off the plan, FHOG will be paid you at settlement.

Savings on your refinance home loan in Sydney depends on the interest rates and your loan repayment terms. Even a 0.5% slash can make a significant difference over the entire repayment tenure.

Depending on the lending institution and the paperwork readiness, refinancing can take anywhere between 2-3 weeks.

Yes for sure. We specialise in property investment loan and we can guide you from securing not only the best investment loan, but also in correct loan structure and set up that can put you in the path of financial success

We are Here to Help You

Our mission is to find a loan solution that meets your needs with the lowest rate and within the quickest time frame. Mortgage Empire is a top mortgage brokerage in Australia that is here to help you achieve your dream of owning a home. Our team consists of experienced mortgage brokers who are experts at simplifying the home loan process and helping you achieve your homeownership dream and goals. Our brokers speak several languages, including English, Nepali, Newari, Bangladeshi and Hindi.At Mortgage Empire, we're more than just brokers – we're your partners in your home or investment buying journey.

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0419 509 809

info@mortgageempire.com.au
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Our goal at Mortgage Empire is to provide access to home and investment loan at very competitive rate within the quickest timeframe to serve your better each time and every time.

27 Hunter St, Parramatta NSW 2150

0419 509 809

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Disclaimer: This website contains general information only and we do not warrant or guarantee accuracy of any information. Further, it does not take into account of your personal circumstances. Therefore, it's important to consider your particular circumstances and seek qualified advice before making any decision.
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