Deals Mortgage | Melbourne's trusted Home Loans & Finance Brokers
Best Deal on Mortgages in Australia
Deals Mortgage connects you with over 40 lenders to find the home loan, refinance deal, or investment finance that fits your life. No jargon. No runaround.
What We Do
Finance Solutions for Every Stage
Whether you are buying your first home, freeing equity, or growing a portfolio, Deals Mortgage matches you to the right product at the right rate.
Home Loans
First-time buyer or seasoned owner, Deals Mortgage simplifies the path to approval. We search across 40+ lenders so you get the best deal without the legwork.
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Refinancing
Already have a mortgage? Deals Mortgage negotiates lower rates and better terms on your behalf, putting money back in your pocket each month.
Compare rates
Investment Loans
Expanding your portfolio or eyeing a warehouse? Deals Mortgage structures investment finance that supports your long-term property goals.
Talk to a brokerUnderstanding Finance
How Do Mortgages Work?
A mortgage is a loan secured against a property. Deals Mortgage walks you through every step so you know exactly what you are signing up for.
Borrow & Secure
You borrow a lump sum from a lender to purchase a property. The lender holds the property as security until the loan is fully repaid.
Principal & Interest
Each repayment covers two parts: the principal (the amount you borrowed) and interest (the lender's fee). Early in the loan, more of each payment goes toward interest.
Loan Term
Australian mortgages typically run 25 to 30 years. A shorter term means higher monthly repayments but less interest paid overall.
Fixed vs. Variable
A fixed rate locks in your repayments for a set period. A variable rate moves with the market. Deals Mortgage compares both across 40+ lenders to find what suits you.
Deposit & LVR
Most lenders require at least a 5% to 20% deposit. Your Loan-to-Value Ratio (LVR) affects your interest rate. A lower LVR generally means a better rate.
Deals Mortgage Finds Your Rate
Deals Mortgage searches across major banks, credit unions, and non-bank lenders to find the loan structure that matches your income, deposit, and goals.
Fixed vs. Variable: A Quick Comparison
| Feature | Fixed Rate | Variable Rate |
|---|---|---|
| Repayment certainty | High: rate locked for agreed term | Varies with market movements |
| Benefit if rates fall | No: you stay at your fixed rate | Yes: repayments drop automatically |
| Extra repayments | Often limited or penalised | Usually allowed without penalty |
| Offset account | Rarely available | Commonly available |
| Break costs | Can apply if you exit early | Generally none |
Not sure which suits you? Deals Mortgage explains your options in plain English. Book a free consultation.
Why Deals Mortgage
One Broker. 40+ Lenders. Real Results.
The big banks only show you their own products. Deals Mortgage is independent, which means we work for you, not for any single lender.
Deals Mortgage takes the time to understand your situation before recommending anything. We translate the fine print, explain the real costs, and stay with you from application to settlement.
- Access to major banks, credit unions, and non-bank lenders
- Obligation-free initial consultation
- Plain-English guidance at every step
- Melbourne-based team available Monday to Saturday
Client Stories
Heard Across Melbourne
★★★★★"We had been knocked back by two banks before we came to Deals Mortgage. Within three weeks we had pre-approval and three months later we were in our first home. The team was patient, clear, and genuinely looked after us."
★★★★★"I refinanced and saved over $400 a month on my repayments. I wish I had called Deals Mortgage two years earlier. The process was straightforward and they handled everything with my existing lender."
★★★★★"I now own two investment properties thanks to the finance structure Deals Mortgage put together. They understood exactly what I needed and found a lender willing to work with my portfolio setup."
Ready to Find Your Best Rate?
Book a free, no-obligation consultation with a Deals Mortgage broker. We are available Monday to Saturday, 8 am to 8 pm.
Find Us
Visit Our Chadstone Office
1341 Dandenong RdChadstone VIC 3148
Opening Hours
- Monday – Saturday
- 8:00 am – 8:00 pm
- Sunday
- Closed
