Free, expert and unbiased help, when you need it most

Discover Why Mint Money Is Right For You

Expert and unbiased financial advice when you need it… and even when you don’t. We’ll help you with your current needs and plan for your future financial security – all for free.

Accredited mortgage broker of:

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Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.

Access To 40+ Reputable Lenders

Unlock a wide range of options and choose the lender that suits your unique needs.

We have established strong relationships with over 40 reputable lenders. This extensive network allows us to present you with a diverse range of loan options tailored to your specific requirements. You can compare rates, terms, and features to make an informed decision, and ultimately have the power to choose the lender that aligns with your financial goals.

Get The Right Information And Understand the Process

Gain knowledge and clarity to navigate the loan process with confidence.

Navigating the loan process can be overwhelming, especially if you’re unfamiliar with the intricacies of the financial world. Our experienced team will guide you through each step, explaining complex concepts in simple terms and answering your questions along the way. With Mint Money, you can embark on your financial journey with confidence.

Choose The Right Product Among All Options

Receive personalised guidance to select the perfect loan product.

We are here to simplify the challenging process of choosing the product that fits your financial aspirations. Our team of experts takes the time to understand your financial situation, goals, and preferences. We provide personalised guidance, ensuring you have a clear understanding of all options available and how they align with your specific requirements. 

Secure Approval For The Best Loan Rate

Increase your chances of securing loan approval with competitive rates

With our expertise and understanding of lender requirements, we assist in presenting your application in the most favourable light. We negotiate with lenders on your behalf, leveraging our relationships to secure the best rates you could get. With Mint Money’s support, you can enhance your chances of getting approved for the loan that offers the best value.

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

DIY vs. Mint Money:
A Comparison for Getting a Mortgage

Obtaining a mortgage is a significant financial decision, and you may be considering a do-it-yourself (DIY) approach to save costs or have more control over the process. While DIY may seem tempting, partnering with Mint Money offers several advantages that can make a significant difference in your mortgage experience. Let’s compare:

DIY
  • Numerous choices - some obvious, some vague, some legitimate, some unaccredited
  • Time-consuming research, stressful second-guessing
  • Fine print uncertainty
  • How do you know who to believe?
  • Unforeseen fees and charges, and all sorts of nasty conditions
With Mint Money
  • A full understanding of your options - we’ll present and explain all factors and variables. Our advice could save you thousands.
  • Say goodbye to paperwork and spending time trying to make sense of it all - we’ll handle everything from start to finish.
  • No surprises - we make sure you know all the details.
  • We’re not aligned with a specific loan provider. Our advice will always be in your best interest.
  • We provide free loan advice. It’s lenders who pay us to administer and manage mortgages on their behalf. We’re completely transparent with no hidden costs or commissions.
BEST OPTION

Our Home Loans Are Designed For All Stages Of Life

We understand that the journey of homeownership is not one-size-fits-all. Whether you’re a first home buyer, looking for your next home, or considering property investment, we have tailored home loan solutions designed to meet your specific needs. Our goal is to support you at every stage of life’s journey. 

Our experts will assist you in navigating through first home buyer grants, understanding eligibility criteria, and securing competitive financing options.

As your life evolves, your housing needs change. Whether you’re upgrading to a larger home or downsizing to a more manageable space, we will help you secure the right financing.

Our brokers will work closely with you to understand your investment goals, explore options for purchasing or refinancing if needed, and provide guidance on maximising your returns.

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.