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Get Empowered To Achieve Financial Success

Access a wealth of valuable information and tools to support your financial journey. Use Mint Money’s resources to help you make informed decisions and attain your goals.

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Loan Calculators

Access a wealth of valuable information and tools to support your financial journey. Use Mint Money’s resources to help you make informed decisions and attain your goals.

Blogs

Navigate the complexities of finance and mortgages with our helpful articles that cover industry trends, investments and financial planning.

Case Studies

Get inspired by real-life success stories of families and individuals who achieved their financial goals with Mint Money’s assistance.

Young family looking to upgrade to a bigger house

 wanted to establish their buying power while selling their current home.

A single mother paying off several loans

needed funding for an unplanned expense: home repairs and renovations.

A couple buying their first home realised they needed to borrow more money

to get the house of their dreams, even with a good lending capacity.

You’re In Good Company

Real stories of homeowners who found success with Mint Money’s mortgage solutions

FAQs

Find answers to common questions about Mint Money’s services, solutions and process.

Why should I use a mortgage broker rather than go to a bank?

Range of services
Mint Money offers a much greater range of products than any one bank. As a mortgage broker, we have a range of over 35 lender options with different products, interest rates and lender policies to find the best solution for you.


Client focus
Our focus and loyalty is, first and foremost, you. In contrast, the banks’ first loyalty is to their shareholders and therefore meeting their monthly lending target. Branch lenders tend to be transaction-focussed. They are concerned with optimising their income from the application at that moment and on-selling additional services.


Long-term goals
Mint Money focuses on your future plans and the optimum loan structure for the medium to long-term. We educate you on why it’s important to set up loan facilities correctly to plan for future financial ambitions.


Relationship-based
Mortgage brokers and Mint Money now manage the client relationships that banks have neglected. You have a relationship with your Mint Money mortgage broker that your parents once enjoyed with the local branch manager. We know our clients and have a long-term relationship with them. You don’t have to tell your story to a stranger every time you require financial assistance (as you do with the banks).

How much experience does Mint Money have as a mortgage broker?

Johnny Sukkar, principal broker and founder of Mint Money, has 10 years of experience as an independent mortgage broker, and 11 years in banking before that. The Mint Money team has years of experience and has helped clients in the thousands.

Is Mint Money a member of a trusted mortgage association?

Mint Money is a member of the Mortgage Finance Association of Australia (MFAA). The MFAA is the peak national body providing service and representation to over 10,000 professional credit advisers (mortgage and finance brokers, mortgage managers and aggregators) to assist them to develop, foster, and promote the mortgage and finance industry in Australia.

The MFAA represents and lobbies for professional credit advisers, delivers services that support their career paths, and positions them as the professionals of choice in the mortgage and finance industry for both consumers and regulators.

How can Mint Money afford to give free financial advice?

Lenders pay us to administer and manage mortgages on their behalf. We are not aligned with a specific bank or lender, but instead work with over 40 financial institutions to get you the best loan that’s suited to your requirements and needs. We’re 100% transparent, with no hidden costs or commissions.

Young family looking to upgrade to a bigger house wanted to establish their buying power while selling their current home.

BACKGROUND

A young couple with a child and another on the way were paying a mortgage on a 2 bedroom unit and were looking to upgrade to a larger home.

CHALLENGE

These guys wanted to establish their buying power after selling their current home, which had not yet been sold.

RESOLUTION

Mint Money assisted them with getting to know their numbers; things like how much of the sale proceeds they’d have to use as a deposit and what the required residual loan amount would be to buy a larger, more expensive home. We arranged a bridging loan which enabled them to look for a new home while they awaited a buyer for their current unit. Mint Money arranged the application, liaised with their solicitors and assisted with the signing of loan contracts. When our client sold their current unit, we again liaised with their solicitors and the bank to assist with the release of the mortgage.

A single mother paying off several loans needed funding for an unplanned expense: home repairs and renovations.

BACKGROUND

Jenny, a single mother, was meeting her debt requirements but was caught in the rat race and couldn’t get ahead (let alone save for a holiday). She was paying off a $415,000 home loan, a $4,500 credit card, a $13,000 credit card, a $20,000 personal loan, a $7,500 car loan and a debt to a family member.

CHALLENGE

Not only was Jenny in need of a holiday; her home was in dire need of extensions. It was an unexpected expense that she couldn’t afford in her current financial situation.

RESOLUTION

We consolidated all her loans into 1 facility and managed to release an extra $50,000 to renovate her home. In providing this funding, we saved Jenny $3,427 per month. She was finally able to upgrade her home and save for a holiday – all at a lower interest rate than she’d been paying.


How? Mint Money arranged a free valuation on her home to establish the equity position. We organised the application, liaised with the bank to have the loan approved and assisted with the signing of loan contracts. We also assisted in arranging all the banking facilities required.

A couple buying their first home realised they needed to borrow more money to get the house of their dreams, even with a good lending capacity.

BACKGROUND

Andrew & Lucy saved a total of $79,000 and arranged a pre-approval with their bank to buy a home for up to $650,000. They both had well-paying jobs and their lending capacity was quite high.

CHALLENGE

After searching for some time, they realised they needed to pay more for the home they wanted; their deposit was limiting their purchase price. They negotiated a purchase price of $692,500 on their dream home. After contacting the lender who had arranged their pre-approval, they were informed they needed a total of $89,000 to buy that dream home. Borrowing at the bank’s maximum Loan to Value Ratio (LVR) 97%, the lender had arranged a loan for a total of $670,916. As they were borrowing above 80% (LVR), Lenders Mortgage Insurance (LMI) was applicable and whilst the LMI premium could be capitalised to the loan, the premium was so high it meant they needed a higher deposit. They had a $10,000 shortfall.

RESOLUTION

Andrew and Lucy met with Mint Money and explained the circumstances. We were able to use knowledge of the market to find a lender that would allow them to borrow up to 100% of the purchase price. The $79,000 savings they had available was enough to buy the property.