Mortgage Matrix - Navigate the mortgage matrix with confidence

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We're currently renovating our website to serve you better. You can still book a free appointment and access our services as usual.

New
We're currently renovating our website to serve you better. You can still book a free appointment and access our services as usual.

More dreams. Less debt

Owner-occupied

Investment

0.89%

3.89%

Owner-occupied

Investment

0.89%

3.89%

Owner-occupied

Investment

0.89%

3.89%

Variable rate up to 70% LVR

Comparison rate

25+ Banks to choose from

the above rates are subject to change

Apply now

Our guides

Fast-Track Pre-Approval

Secure your pre-approval quickly, so you're ready to make an offer when the right property comes along.

Government Grant & Incentive Check

We’ll help you identify and apply for first-home buyer grants, stamp duty concessions, and other benefits.

How much can i borrow?

Run the numbers to get an upfront estimate of your borrowing power.

Two colleagues smiling while looking at a laptop.

Book an appointment online

Secure pre-approval and purchase with confidence.

Know Your Exact Budget Before You Start Searching

Get a clear idea of how much you can afford before house hunting.

Gain Stronger Negotiation Power with Sellers

Sellers take you more seriously when you have pre-approval.

Enjoy a Faster and Smoother Loan Process

Benefit from interest rates normally reserved for deposits of 20% or more.

Shop with Confidence and Certainty

You could still buy without LMI by having a family guarantor or saving a 20% deposit."

Book an appointment online

First home buyer
guarantee scheme

Low Deposit

Shave years off the usual time it would take to save, with a low deposit of 2-5%.

No LMI

No Lenders Mortgage Insurance means you could save thousands.

Awesome Rate

Benefit from interest rates normally reserved for deposits of 20% or more.

What if you don’t qualify?

You could still buy without LMI by having a family guarantor or saving a 20% deposit."

Are you eligible?

Book appointment

Income test

< $125K for singles, $200K for couples last year.

Property Price caps FY 2023-24

8 NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K (rest)

ACT: $750K (capital only)

NT: $600K (regional only)

FHBG Factsheet

Are you eligible?

Book appointment

Income test

< $125K for singles, $200K for couples last year.

Property Price caps FY 2023-24

8 NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K (rest)

ACT: $750K (capital only)

NT: $600K (regional only)

FHBG Factsheet

Are you eligible?

Speak to us

Income test

Applies

Property Price caps FY 24

8 NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K

ACT: $750K (capital only)

NT: $600K

FHBG Factsheet

Get your home loan

Pick a home loan that works for you, whether you’re looking to invest or move into your dream home.

Owner-occupied

Investment

Owner Occupied

People's Choice

5.99%

6.00%

Variable rate Comparison rate

Apply Now

Loan features:

$0 Application fees and Ongoing fees

Loan to Value Ratio (LVR) <80%

Principal and Interest

Redraw facility

Flexible repayment frequency - pay weekly, fortnightly or monthly.

Owner Occupied

Macquarie Bank

5.55%

6.05%

2 years fixed rate Comparison rate

Apply Now

Loan features:

$350 Application and no ongoing fees

Loan to Value Ratio (LVR) <70%

Principal and Interest

pay weekly, fortnightly or monthly

Up to $10,000 additional repayments per year without break costs.

Owner-occupied

Investment

Owner Occupied

People's Choice

5.89%

5.90%

Variable rate Comparison rate

Apply Now

Loan features:

$0 Application fees and Ongoing fees

Loan to Value Ratio (LVR) <70%

Principal and Interest

Redraw facility

Flexible repayment frequency - pay weekly, fortnightly or monthly.

Owner Occupied

Macquarie Bank

5.55%

6.05%

2 years fixed rate Comparison rate

Apply Now

Loan features:

$350 Application and no ongoing fees

Loan to Value Ratio (LVR) <70%

Principal and Interest

pay weekly, fortnightly or monthly

Up to $10,000 additional repayments per year without break costs.

Owner-occupied

Investment

Owner Occupied

People's Choice

5.89%

5.90%

Variable rate Comparison rate

Apply Now

Loan features:

$0 Application fees and Ongoing fees

Loan to Value Ratio (LVR) <70%

Principal and Interest

Redraw facility

Flexible repayment frequency - pay weekly, fortnightly or monthly

Owner Occupied

People's Choice

5.55%

6.05%

2 years fixed rate Comparison rate

Apply Now

Loan features:

$350 Application and no ongoing fees

Loan to Value Ratio (LVR) <70%

Principal and Interest

pay weekly, fortnightly or monthly

Up to $10,000 additional repayments per year without break costs.

Zac and Viren were fantastic brokers. As a first home buyer, I was worried that the process would be daunting, but the team at Mortgage Matrix made it very easy.

Liam R

First home buyer

see more reviews

25+

FAQ's

How much deposit do I need as a first home buyer?

What government grants and schemes are available for first home buyers?

Do I need pre-approval before I start looking for a home?

What additional costs should I budget for as a first home buyer?

Can I buy a home with a low income or small deposit?

A group of people sitting in a room listening to a speaker on stage.

Pre-Approval Unlocked – Your Key Questions Answered!

Zachary Russell-Sharam

Director @MM

New

New

More dreams. Less debt

Fast-Track Pre-Approval

Government Grant & Incentive Check

How much can i borrow?

Run the numbers to get an upfront estimate of your borrowing power.

Run the numbers to get an upfront estimate of your borrowing power.

Secure pre-approval and purchase with confidence.

First home buyer guarantee scheme

Book appointment

< $125K for singles, $200K for couples last year.

8

NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K (rest)

ACT: $750K (capital only)

NT: $600K (regional only)

FHBG Factsheet

Book appointment

< $125K for singles, $200K for couples last year.

8

NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K (rest)

ACT: $750K (capital only)

NT: $600K (regional only)

FHBG Factsheet

Speak to us

Applies

8

NSW: $900K (capital), $750K (rest)

VIC: $800K (capital), $650K (rest)

QLD: $700K (capital), $550K (rest)

WA/SA/TAS: $600K (capital), $450K

ACT: $750K (capital only)

NT: $600K

FHBG Factsheet

Get your home loan

Owner Occupied

People's Choice

5.99%

6.00%

Owner Occupied

Macquarie Bank

5.55%

6.05%

Owner Occupied

People's Choice

5.89%

5.90%

Owner Occupied

Macquarie Bank

5.55%

6.05%

Owner Occupied

People's Choice

5.89%

5.90%

Owner Occupied

People's Choice

5.55%

6.05%

Zac and Viren were fantastic brokers. As a first home buyer, I was worried that the process would be daunting, but the team at Mortgage Matrix made it very easy.

FAQ's

First home buyer
guarantee scheme