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Smart Loans for Growing Wealth

We don’t just help you get a loan — we help you make smarter decisions that support your long-term goals. Whether you’re buying your first home, investing, or refinancing, we help you find a loan that works smarter and structure it to suit your financial journey.

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Our Lenders Panel

Innovative Lenders

When banks say no, our flexible finance partners often say yes, with tailored solutions to suit your needs.

We don’t just compare — we solve. By assessing your unique needs, we search thousands of loan products from over 40 reputable lenders to find the right solution for you. There’s no brokerage fee for standard loans. Our goal is simple: make finance work for you.

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The Story Behind Mortgage Helpdesk

Fifteen years ago, our founder Ruby was navigating her first property purchase — excited, hopeful, and completely let down by a broker who treated the process like a transaction. No guidance. No education. Just “how much do you want to borrow?” That experience sparked a mission: to create a mortgage service where clients feel informed, empowered, and genuinely supported.

At Mortgage Helpdesk, we’re not here to just get your loan approved. We’re here to help you structure it smartly, understand it fully, and use it to build long-term wealth. That’s our commitment and that’s what sets us apart.

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Explore Our Home Loan Products

Discover a wide range of home loan options tailored to meet your unique needs. Your dream home is just a few clicks away.

Refinancing Options

Unlock better rates, reduce repayments, or access equity, we helps you refinance with confidence and find a loan that truly works for you.

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SMSF Loan to purchase properties

From full-doc to low-doc options, Mortgage Helpdesk offers tailored SMSF loan solutions to help you invest in property through your super, backed by expert guidance every step of the way.

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Residential Home Loans

Whether you’re a first home buyer or upgrading to your dream home, Mortgage Helpdesk supports you every step of the way—right through to getting your keys.

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Investment Property Loans

Mortgage Helpdesk empowers you to grow your property portfolio with tailored investment loan strategies that maximise your borrowing power and long-term returns.

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Smart Tech. Human Touch. Real Results.

An online mortgage experience powered by secured technology platform and expert guidance, designed to be fast, easy, and always in your best interest.

Simplified Mortgage Guidance – No Jargon, Just Clarity

Break down mortgage terms, steps, and requirements in simple language with step-by-step support.

Faster Approvals – powered by highly streamlined platform

Effortless document collection, smart pre-assessments, and direct lender connections for unmatched speed and simplicity.

Dedicated Mortgage Expert – Your Personal Advocate

Assign a single point of contact who understands your unique situation and guides them from start to finish.

Transparent Pricing – Free for Standard Loans

We charge no fees for standard home loans.
If a fee applies for a complex loan, you’ll know before anything moves forward.

Our Simple Home Loan Process

Getting a home loan doesn’t have to be hard, we’re here to make it simple. We guide you through the home loan process, step by step.

01

Initial Consultation

Start with a consultation to discuss your needs and goals.

02

Loan Assessment

We assess your borrowing capacity and explore suitable loan options.

03

Loan Application

Leave the paperwork to us – we’ll lodge your loan application and keep you updated along the way.

04

Settlement

Once approved, we guide you through the loan settlement process smoothly.

What Our Clients Say

Mortgage Helpdesk made the whole process so straightforward. I liked their secure online system for submitting documents, it saved a lot of time. Ruby is incredibly organised, efficient, and always available. I felt bad calling her over the weekend, but she was still eager to help. She truly deserves six stars!
David ChenInvestor
As a first home buyer, I was overwhelmed by the process. But Ruby made everything so easy. Their online platform was simple to use, and they handled the First Home Buyer Guarantee from start to finish. Ruby treated us like friends, listened to our concerns, and supported us far beyond what you’d expect from a mortgage broker. We’re truly grateful.
John WhiteFirst Home Buyer
A few banks only let us borrow 50% because we’re non-residents, but Ruby got our loan approved when no one else could. I’m so blessed to have found her—she really understands non-resident lending. I only wish we had known her earlier!
Amelia TanNon-Resident Buyer
Ruby’s professionalism truly stands out. She took the time to understand my situation and even answered my questions after office hours. She really knows her stuff! I was so impressed to receive my pre-approval in just two days. Highly recommended!
Ching WongFirst Home Buyer
Being self-employed and buying through our SMSF made the process complex, but Ruby found us a flexible lender and managed everything seamlessly. She even worked directly with our solicitor and accountant, making it feel like we had a full team behind us. We couldn’t have done it without her.
Sarah & MichaelSelf Employed Investor

Home Loan Tips & Insights

A person analyzes financial charts and graphs at a desk, indicating business trading activity.

Fixed or Variable Interest Rate

Fixed or Variable? The Mortgage Question Everyone Asks. As a broker I am often asked whether it makes sense to fix your interest rate or choose a variable interest…

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Wooden house model on a calculator beside banknotes illustrating a debt recycling strategy

Debt Recycling

Debt Recycling in Australia: How it works and what you need to know? In simple terms, debt recycling is a financial strategy that aims to convert non-deductible debt (such…

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A real estate agent explains mortgage options to clients in an office setting.

Unlocking Your Home’s Equity

Turn your current property into your buying power Equity in your home represents the gap between its current market value and the remaining balance on your mortgage. As you…

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Start Your Journey to Home Ownership Today

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Call: 04 7822 8279

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