Are you really independent?

Yes. We are not tied to one bank, lender or franchise. We compare a wide panel of lenders and recommend what genuinely suits your goals — we work for you, not the bank.

How much can I borrow?

It depends on your income, expenses, deposit and goals. Use our repayment estimate for a feel, then we confirm your real borrowing capacity in a quick, no-obligation chat.

How long does pre-approval take?

Conditional / pre-approval is typically 2–3 business days once your documents are in, so you can shop or bid with confidence.

Can you help me refinance?

Absolutely. Refinancing can save money or unlock better loan features. We review your current loan and compare the market to see if a better-fit option is available.

What does it cover after settlement?

We stay in your corner beyond settlement — reviewing your loan regularly so it keeps working for you as rates and your circumstances change.

Blog

Insights, tips and trends

Stay informed with the latest mortgage news, property trends and expert advice from the Mortgage Station team.

Property investors

What property investors should check before buying their next place

A practical pre-purchase checklist for investors — from cash-flow stress-testing to the local market signals worth confirming before you commit.

19 June 2026 · 6 min readRead more →

First home buyers

A first home buyer's roadmap in Australia

From your first deposit goal to settlement day — a step-by-step walkthrough of buying your first home in Australia, and the figures to confirm along the way.

19 June 2026 · 7 min readRead more →

Car buyers

Car finance explained — what actually affects your repayments

Rate, term, deposit, balloon payments and fees all move your car-loan repayment. Here is how each lever works so you can compare offers properly.

19 June 2026 · 5 min readRead more →

Small business owners

Funding options for small businesses and the self-employed

Term loans, lines of credit, equipment finance, invoice finance and low-doc options — a plain-English guide to how small businesses fund growth.

19 June 2026 · 7 min readRead more →

Filipinos in Australia

Home loans for Filipinos building a life in Australia

Visa and residency status, deposit, and first-home pathways — a guide for the Filipino community looking to buy a home in Australia.

19 June 2026 · 7 min readRead more →

New to Australia

Building an Australian credit history for your first home loan

New to Australia and starting from a thin credit file? How to build the credit history lenders look for before a home loan.

23 June 2026 · 5 min readRead more →

Home buyers

How much deposit do you need to buy a home in Australia (and what is LMI)?

Deposit size, the usual threshold, and how lenders mortgage insurance works, explained in plain English for buyers in Australia.

23 June 2026 · 5 min readRead more →

New to Australia

Using a gifted or family deposit for your Australian home loan

Family helping with your deposit? How gifted funds work for a home loan, and how to document them so they do not delay settlement.

23 June 2026 · 5 min readRead more →

New to Australia

How overseas income and assets affect your Australian home loan

Earning abroad or holding assets overseas? How Australian lenders view foreign income and assets when you apply for a home loan.

23 June 2026 · 5 min readRead more →

Home buyers

Pre-approval explained: getting home-loan ready in Australia

What home loan pre-approval is, why it helps, and how to get loan-ready, especially if you are new to buying in Australia.

23 June 2026 · 4 min readRead more →

Have a question now?

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Book a free, no-obligation chat for advice specific to your situation.

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Mortgage Station Pty Ltd ACN 050601093 is an Authorised Representative (Credit Representative Number 458488) of Mortgage Specialists Pty Ltd (Australia Credit Licence 387025). The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention are taken in its preparation, any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your particular circumstances.