About us
Mortgage Empire Pty Ltd was established in 2011 and holds an Australian Credit Licence (ACL) Number 482488 to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act).
We are authorised to advise and deal in relation to the following products:
- Mortgages – Home loans;
- Mortgages – Investment loans;
- Self-Managed Super Fund Loan;
- Mortgages – Commercial loans;
- Business Loans;
- Personal Loans;
- Car Loans.
We offer the following services. We do not charge you for our services ( except for car and personal loans) because we are paid commission by our lenders on lending panels. However, you may need to pay the financier’s application fee, valuation fees, and other fees.
Advice: We will help you to choose a loan or lease which is suitable for your purposes.
Choice: We will provide you with information on a broad range of financiers and products. Once you have chosen a loan or lease that is suitable for you, we will help you to obtain an approval.
Execution only: You have already chosen a financier, and we will assist you to obtain an approval.
We have more than 30 lenders; including the big four banks, on our panel. However, Mortgage Empire Pty Ltd and our mortgage broker do not have any relationships or association with any product issuer/lender that could influence us in providing services to you.
Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain or any lease we help you to enter is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or
lease is not unsuitable. The law requires us to:
– make reasonable inquiries about your requirements and objectives;
– make reasonable inquiries about your financial situation;
– take reasonable steps to verify that financial situation.
We have MFAA membership, which means that we are bound by the MFAA Code of Practice and Ethical Standards. MEMBER NO: 145975
We have an External Dispute Resolution (EDR) scheme with Australia Financial Complaints Authority (AFCA), membership number 43128
We have Professional Indemnity policy covers $2 million for any one claim and $6 million in the aggregate for all claims made against us as credit intermediary and for the conduct of our mortgage brokers.
Over 100 Years Of Lending Experience
From our humble beginning in 2011, Mortgage Empire has become a prominent and one of the leading mortgage brokering firm in the Australian mortgage industry. Our team of expert mortgage brokers have helped every day families to convert their dream of home ownership in reality.
Buying your first home or investment property is an exciting, but big step to take and one that comes with many questions and decisions. The first big question is how much you can borrow and how much deposit is required.
That’s where we can help, we’ll do the legwork for you. We can compare home loans across a variety of products available from Australia’s leading lending institutions.
Our team consists of experienced mortgage brokers who are experts at simplifying 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 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.
Our clients comes from diverse backgrounds, face specific challenges and have unique needs. These could include a limited credit history, language barriers, cultural preferences, and the need for a broker who respects your cultural values. Our brokers understand these challenges and are equipped to address them.
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- Cultural Expertise: Our brokers have developed a unique skill set to address the individual challenges our borrowers face. Our approach to service delivery respects and accommodates the unique cultural nuances and preferences of our clients, fostering an atmosphere of mutual respect and understanding.
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- Communication In Your Language: We deliver all crucial information, valuable resources, and expert advice in Nepali, Newari, and Hindi, ensuring clarity and understanding. This strategy helps break down language barriers, empowering borrowers to comprehend each aspect of the mortgage process fully.
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- Life Long Support: Our commitment to our clients extends well beyond the point of loan settlement. We provide ongoing support, assisting with a broad range of future financial decisions and addressing any loan-related queries that might arise over life time.
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- Operate Across Australia: Regardless of your geographical location within Australia, our dedicated team is always available to assist you on your journey towards home ownership. We have designed our service model to be accessible and effective nationwide.
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- Plenty Of Loan Options: Through the power of our wide-ranging networks and comprehensive knowledge of the Australian mortgage market, we offer an extensive array of loan options. With over 50 lenders on our panel and access to hundreds of mortgage products, we can confidently guide you towards the most suitable solutions for your circumstances.
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- Better Interest Rate: We can leverage our relationship with our panel of lenders and secure best possible interest rate for your loan based on your unique situation and requirements.
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- Easy Loan Process & Fast Loan Approval: We understand you are busy with family, friend and work, so our expert mortgage brokers make your home loan journey as smooth and hassle free as possible, whilst during loan approval time. Our dedicated team work hard and fast for you getting your loan approved quick. We use our lenders network, contacts and vast experience to get things moving quickly.
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- We Work For You: We work for you and not for the bank. First, we understand your unique circumstances, then negotiate what’s right for you from the most suited lender, not what’s right for the lender.
- More Than Just Loans: We are all about providing a quality service to make your experience enjoyable. We can help you arrange other services like home insurance, building and pest inspection, life insurance at a very competitive price saving you time & money.
Don’t wait, your dream home could be just around the corner! Speak with one of our specialist mortgage broker now by calling on 0419 509 809.
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