Mortgage Broker

At The Mortgage Agency, we believe everyone has the right to a home loan.

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Home Loans & The Mortgage Agency

Large Network

Not only are we fully accredited with multiple lenders, but we also work very closely with Accountants, Solicitors, Financial Planners and Reals Estate Agents, so you are properly looked after.

Efficient and Fast

We pride ourselves on efficiency and care, we closely manage our processes to ensure all relevant parties are kept up to date.

Safety and Security

The safety and security of our customers’ information is our number one priority.

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We Like to think outside the box

THE MORTGAGE AGENCY

Excellent

Based on 103 reviews

Katharina Voigt

17. January, 2022.

I wish I could give more than 5 stars! Tony Xia did an excellent job guiding me through the purchase of buying me first home. He was always there to promptly answer my questions, advice me and to provide the best options possible. I can highly recommend him and I could not have wished for a better broker!

Charlene Su

26. December, 2021.

Tony was incredibly helpful and guided us through the process thoroughly. He answered all our questions and never once made us feel silly for asking obvious questions. He is dedicated to his clients, even driving across Sydney twice to ensure our paperwork was in order. We are so thankful for his help and would highly recommend Tony to our friends.

Simon Areum

13. December, 2021.

Tony and the team was able to help us in our investment purchase. He is very knowledgeable and was able to get me the best rate for our financial situation.

sarina lee

12. December, 2021.

Tony and the Team helped me purchase my first property. His process and communication skills were streamlined from beginning to end. Tony was very helpful during the whole experience and showed extreme care in finding the right home for me. Previously, my partner and I went to a bank directly and found Tony and the Team to be at another league of their own. I would definitely recommend. Thank you for all your help.

Bhagirathy Padhy

9. December, 2021.

Providing best professional service

angelia chong

8. December, 2021.

I am very glad to be a client of The Mortgage Agency. Tony has great knowledge and experience in this area and is also very responsive and personable. He has made the experience much easier and less stressful. I’d highly recommend him. Thank you Tony and team!

JayTee

7. December, 2021.

Tony has helped me looked through thick and thin for the right package suitable for my needs. Despite my constant questions, he was very patient with me. 100% would recommend to anyone in a heart beat.

Who is The Mortgage Agency?

We are a mortgage broker firm based in Sydney, specialising in a holistic approach to home loans. Everyone’s situation is different, so we focus on getting the right outcome based on your specific financial circumstances.

Established since 2016

As an established mortgage broking firm, we have access to a wide range of lenders that provide us with updates on market conditions and any policy changes.

we are Always up to date

Our up-to-date knowledge means we know the best ways to negotiate a better arrangement for your specific needs as new opportunities arise.

We do the research

With all the ups and downs, the ins and outs, it’s nearly impossible for a regular person to keep up with trending home loan conditions.

We provide options that best suits you

We love to shop around and shake the banks a little for you because we genuinely believe it’s your right to get the best home loan deal that the lending market can offer for you.

How Can The Mortgage Agency Help You?

assess situation

Establish your current financial situation and align it with your future financial goals;

lending potential

Calculate your borrowing capacity from a wide variety of lenders;

compare market

Compare hundreds of options and home loan products on the market; and

Nitty gritty

Handle all the nitty gritty work

We work closely with all parties

As your Mortgage Broker we will also work closely with all parties involved to achieve the best outcomes

Real Estate Agent

Accountants

Solicitors

Banks

Financial Planners

But it doesn’t end there

Our Mortgage Brokers are committed to the lifelong job of serving you

We are not a once off transaction business because we know the value of building a long-term relationship.

Plan For Today

Plan For Tomorrow

What Is the Mortgage Broking Process?

Our expert Mortgage Brokers can break down the details of the mortgage broking process during your free consultation, but here’s what you can expect:

01 Talk About Your Goals and Needs

This is where we will establish your current financial situation and future financial goals and objectives because a home loan can affect all of this.

02 Summarise And Collect Information

Phase two involves collecting all your information to determine your home loan borrowing capacity.

03 Research And Provide You With Multiple Options

This is where your Mortgage Broker will break down the relevant home loan products that will accommodate your current situation and future goals.

04 Collect Documents

After choosing the best-suited home loan product, your Mortgage Broker will complete all the nitty-gritty work involved in application forms – we sweat the small stuff, so you don’t have to.

05 Lodge Application with the Bank

Once your Mortgage Broker has all your supporting documents and application in order, we will submit it to the bank and wait for the approval.

06 Sign Loan Documents

After meeting all the conditions, you’ll receive the final approval, now you can sign all the loan documents.

07 Settlement

Once the funds have been made available for your home purchase, your Solicitor will book a settlement time and date with the Bank. As soon as the loan is transferred, the settlement is complete, and you’re officially a homeowner!

08 Yearly Financial Health Check

Our services don’t end there. Your financial circumstances are constantly changing, and the market has its ups and downs. So, to make sure you’ve always got your hands on the best deal that best suits you, our mortgage brokers will do a yearly check-in.