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January 15, 2026
Big Changes Coming to the First Home Buyers 5% Deposit Scheme
Learn the steps to secure pre-approval and confidently start your home-buying journey.
Why clients choose Mortgage Counsel
Finding the perfect home is exciting—securing the right mortgage shouldn’t be overwhelming. Whether you’re buying your first home, upgrading, or refinancing, our platform equips you with the knowledge you need and connects you with independent experts who can provide customized solutions to fit your needs.
01
Deep lender relationships
Our panel brokers maintain strong connections with a wide range of lenders — including the major banks and non-bank lenders. They know which policies work best for different borrower profiles, including complex or non-standard cases.
02
Strategic, personalised planning
Each broker on our panel takes the time to understand your life stage, cash flow, and long-term goals. You get a loan structure designed around you — not just a low rate.
03
Expert negotiation & advocacy
When you are ready to apply, your broker acts as your personal advocate. They negotiate directly with lenders on your behalf to secure better terms and faster outcomes throughout the application process.
04
Proven track record
The independent brokers on our panel bring decades of combined experience — helping first-home buyers, upgraders, and investors achieve better outcomes and stress-free settlements.
Our Team
Our team brings decades of combined experience across mortgage broking and bank credit functions. Having worked in Australia’s leading banks and closely with underwriting and compliance teams, we understand policy nuances, documentation standards and internal decision-making processes. That insight enables us to translate lender requirements into practical application strategies, advocate effectively during assessments, and smooth the path from application to settlement.
Trusted results, success for your mortgage
Purchasing your first home, refinancing, or looking for a personal loan, we make the process simple and stress-free. Explore competitive rates, flexible terms, and personalized solutions.
Speak with our mortgage team
Explore competitive rates, flexible terms, and personalized solutions designed to fit your financial goals.
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The Trusted Lenders Used by Our Network of Experts
"I couldn’t be happier with the service I received. The team guided me through every step, answered all my questions, and made mortgage process stress-free."
Blanche Field
Lovely Customer
"I couldn’t be happier with the service I received. The team guided me through every step, answered all my questions, and made mortgage process stress-free."
Stella Davis
Lovely Customer
"I couldn’t be happier with the service I received. The team guided me through every step, answered all my questions, and made mortgage process stress-free."
Dana Lake
Lovely Customer
“Professional, responsive, and truly client-focused. Mortgage Counsel helped us refinance our home smoothly and saved us money in the long run. An excellent experience overall.”
Emma Thompson
Property Investor
“As a first-time buyer, I had many questions, but Mortgage Counsel guided me with honesty and expertise. Their personalized approach really set them apart from others.”
David Miller
First-Time Home Buyer
Mortgage Counsel made the entire home loan process simple and stress-free. Their team explained every step clearly and helped us secure the best possible rate. Highly recommended for anyone planning to buy a home.
Sarah Williams
Homeowner