Home Buyers

Buying a house should be easy

Navigating the mortgage market can be quite daunting. It doesn’t need to be! Whether you’re buying your first home, upsizing, downsizing, investing or refinancing, we’re here to ensure the process is as easy as 1-2-3.

We do the leg work for you

We take care of the whole process, from finding the best loan for you to negotiating and completing the paperwork.

Robust assessment process

Over the last 10 years, we've created a robust assessment process that helps increase your chances of getting approved.

Team of experts

With My Mortgage Freedom, you have a team of experts making sure that getting your home loan is as easy as 1-2-3.

Home Loans

Find the home loan solution that suits you

First Home Buyer

With the right team around you, you can be confident in buying your first home. You will be able to use our entire team of experts to ensure buying your first home is a memorable and enjoyable experience. We’ll take care of all the nitty gritty’s for you so you can focus on the important stuff.
It’s not all that complicated when we break it down into three simple steps for you:

Step 1

We will coach you through working out what sized deposit you will need, how much you can comfortably afford to borrow, and then the fun part, where you would like to buy your first home.

Step 2

We’ll present you with a proposal outlining what lenders will be the best fit for you, what products will work for you best, and what we’ll require to get the show on the road.

Step 3

Once you have selected a lender, your application will go through our award-winning process and we can get your official “pre-approval” in place. Once your pre-approval is in place, you can confidently get to work on finding your new home.

As an added level of support, we’ll also work with your real estate agent, your conveyancer and your bank on your behalf to make sure you aren’t bogged down in all the paperwork that comes with buying a new home and you can worry about finding the right home.

Upsizing / Downsizing

Applying for a home loan is not quite like riding a bike. The process, policies and banks are always changing the way they assess loan applications, and the information they collect to grant an approval on a home loan application.

Luckily, our team are dedicated to keeping on top of all of these changes to ensure our clients are always able to access the best deals, in the fastest time possible. Moving into a new home is going to come with enough work – the last thing you want is to be bogged down with your home loan application. We’ll make sure this happens seamlessly in the background whilst you focus on packing boxes, and more excitingly, finding your dream home.

Even if you have worked with us before, you’ll be impressed with our ever-improving process and use of new technologies to make your application run smoother, and require even less time for you to get approved.


Whether you’re it’s your first home, Investment property, or your Dream Home, building is a brilliant way to ensure you are getting exactly what you want.

It’s important you take your time with the design of the home, as well as getting all of the features right. There’s a lot to think about from the colour of the front door, the kind of bricks, the colour of your roof, all the way down to the style of your light switches.

Our team make sure that you don’t get too tied up in the construction loan process. Setting up construction finance is second nature for us. Not only that, we will help you with organising your progress payments after your build starts, so you don’t have to worry about it. We ensure the builder gets paid on time so your project doesn’t get delayed, and you can be into your new home sooner. We’ll also arrange the valuation and progress inspections throughout the process to ensure you get what you paid for.


It is no secret that the banks lure you in with a really sharp rate, then over time, your interest rate will fluctuate and after a year or two, you are paying well over what they are offering their new to bank customers. We make it our mission to ensure this doesn’t happen.

We review your current home loan, we’ll first work out if that structure is still suitable, or if your circumstances have changed, then we’ll make a recommendation to either rre-price your home loan with your existing lender, or is it time to switch.

We’ll review things like:

Your Interest Rate

Your Interest Type

Should we look at fixed or variable, or maybe both

Refinance cash-back offers

You can often get paid up to $3,000 to switch

Then we’ll put our proposal forward for you to consider and then start our award-winning home loan application process. The entire process is often less than 4 weeks and it’s only a couple of phone calls and a few emails for you to save thousands of dollars. 

We run a refinance switching calculation to show you how much you would save if you switched, this can be done in less than 5 minutes and you can work out what the best option is for you. 

Book in a consultation to work out what you could save.

Are you ready to make buying, building or refinance as easy as 1-2-3?

Start with a FREE 10 minute chat and we'll take it from there.

Current most popular loans

Offset Home Loan Package



Comparison rate

Complete Home Loan Package

(with offset account)


Comparison Rate

Standard Variable


Comparison Rate

As easy as 1-2-3

You'll get specialist support all the way.

Getting finance can be nerve-wracking and time-consuming. It doesn’t have to be. We make it as easy as…


We’ll review your needs with our Mortgage Consultants

Our goal is to help you get the financial freedom you deserve. Our simple process starts with getting to know you better. We identify what your financial needs and goals are in order to help you find the right loan with great rates and terms and to help you plan your path to financial freedom. We’ll do all the research for you, go over your options and answer any questions you have along the way.


We manage the application process for you

Once you’ve decided which loan you’d like to apply for, we’ll do the application for you (in other words we’ll handle all the paperwork and communications so you don’t have to). We’ll keep you in the loop, of course, so you know exactly where the application is at and what’s needed from you (hopefully as little as possible).


We manage your settlements

When the paperwork is through and you’ve signed the dotted line, we’ll manage the final settlement process too. Our goal is to remove all the pain points for you, so buying your first or your next property, refinance or investing feels as easy as a breeze. Self-employed? No worries, we’ve got you covered too.

Once all that is done, we stick around.

 Our team is here to support you once your settlement is complete. For some, that may mean an annual review to ensure you still have the right loan for your circumstances. For others, it may be more. It all depends on your long-term financial goals and needs. Some of our clients have been with us for that long that we’ve helped them with multiple loans. We’re here to use our experience and expertise to help you make better financial decisions all the way.

Find out more about Rate Tracker here:

We’re not just with you today, we’re here for the long haul..

After your loan has settled, we don’t stop there. We have always touched base with our clients every year to make sure their loans are all still competitive, and to check in to see if they have had any changes to their situation that needs attention. More importantly, interest rates tend to increase as the months and years pass, so we have put a stop to that ever happening again. My Mortgage Freedom customers have exclusive access to Australia’s first and only rate tracking technology. This means that you can activate Rate Tracker on your home or investment loan to monitor your interest rate in real time, and protect you from any excessive interest rate hikes. This is all done automatically and you will only ever be alerted if your interest rate has exceeded an acceptable level.

Are you ready to make your property work for you?

Start with a FREE 10 minute consultation and we'll take it from there.