Looking to buy a home, refinance or invest in property? MPI Financial is your trusted home loan broker in Australia for first home buyers, next home loan, construction, renovations, and home refinancing.
Our experienced home loan brokers start by assessing borrowing capacity and deposit, then look at how to combine your own savings, government allowance and tax benefits to reduce the upfront pressure as much as possible.
We compare options across multiple banks and non bank lenders, and look beyond the headline rate. Annual fees, cashback offers, repayment flexibility and other costs are reviewed together so you understand the true overall cost.
We provide step by step document checklists and sample templates, and follow the process from pre-approval and formal approval through to settlement.
We explain key concepts in simple language, such as LMI, stamp duty and common contract conditions, and help you map out a pathway from “How much can I borrow?” to “How do I reduce LMI and avoid common pitfalls?”.
We compare your current loan with potential new options, calculate how your repayments and cash flow would change and provide practical advice on whether to switch, when to switch, and how to implement the change.
When you choose the right mortgage adviser (licensed mortgage broker), applying for a home or apartment loan in Australia can be much smoother, allowing you to focus your time and energy on what matters most.
Our home loan services are available Australia wide, and our team can work flexibly around your schedule. We compare products across multiple banks and non bank lenders, negotiate terms, and help secure a loan structure and rate that better fits your goals. A clear and simple process supports you from start to finish, improving approval outcomes and settlement efficiency.
In most cases, we are paid a commission by the lender or institution, so you do not pay an additional advice fee. If a fee does apply, we will explain it clearly in advance.
For first home buyers, we explain how to prepare your deposit, whether you can access stamp duty concessions, and the common clauses to look out for in your contract.
We can organise borrowing capacity assessments for houses and apartments in advance, and help match you with lenders that are comfortable with the age, size and type of property.
We review your income and cash flow to assess borrowing capacity, then suggest repayment and budget ranges that are more sustainable over the long term.
In most cases, we are paid a commission by the lender or institution, so you do not pay an additional advice fee. If a fee does apply, we will explain it clearly in advance.
To get started, simply share:
Your name and contact details
Loan type (home / car / business)
Your city, budget range and intended purpose
Preferred structure (individual / company / trust) and timeframe
MPI Financial offers support in both English and Mandarin. Tell us about your situation and we will help make each step simpler, more transparent and firmly in your control.
MPI Financial can save your time and effort when applying for a home loan in Australia. We review your income and goals, compare options from a range of lenders, help prepare documents and negotiate terms. We also flag hidden costs and potential risks. With more lenders and products to choose from, we can help you find a home loan that better fits your situation, and continue to review your rate over time to support more competitive long term costs and a more reassuring experience.
Each lender has different approval standards, but most will consider your credit history, income stability, existing debts, deposit size and property type. MPI Financial will first complete a borrowing capacity assessment and review your documents, then match you with lenders and loan structures that are more suitable for your strengths and constraints. We will also explain any risk areas and potential improvements, so you can make a more informed decision.
Timeframes depend on how complete your documents are and how busy the lender is. We start by clarifying your goals and timeline, then check your supporting documents before submission to reduce follow up requests. In general, it may take from a few weeks to a few months. The earlier you start and the more organised the paperwork, the smoother and more predictable the process.
Many lenders will accept a minimum deposit from around 5% of the purchase price, but a low deposit usually triggers LMI. With a 20% deposit, you can often avoid LMI. In some cases, family guarantees, state government schemes or first home buyer programs can help improve your deposit position. We will review your budget and the rules in your state and provide practical suggestions on how to structure your deposit and other costs.