Mortgage MD

Mortgage MD Home Loan for Every Situation. We're here to find the loan that suits the best for your situation.

Mortgage MD has seen over thousands of transactions – no matter how unique your situation – we’ve seen it! Enquire Now for a free assessment.

✓ Unusual employment – short term, casual, probation
✓ Unusual property types -multiple units on one title, small units, large rural areas
✓ Bad Credit – Adverse repayment history – defaults, arrears
✓ Guarantors who are retired or have bad credit

13/09/2026

Thinking about being a guarantor for a family member's home loan — or asking someone to be yours? It's a bigger commitment than it might sound.

Our latest article breaks down what every guarantor should understand before signing.
https://mortgagemd.com.au/blog/guarantor-home-loans-2026/

The RBA held the cash rate at 4.35% for a second straight meeting in August. Does that mean your repayments are safe? No...
12/09/2026

The RBA held the cash rate at 4.35% for a second straight meeting in August. Does that mean your repayments are safe? Not necessarily.

We break down what the hold actually means for mortgage holders and what to watch ahead of the next meeting.
https://mortgagemd.com.au/blog/rba-cash-rate-holds-august-2026/

Sydney's property market has cooled through parts of 2026 — and for some buyers, that's opening up room that wasn't ther...
10/09/2026

Sydney's property market has cooled through parts of 2026 — and for some buyers, that's opening up room that wasn't there during the boom years.

Whether you're buying your first home, upgrading, or investing, our new Sydney Home Loans page walks through your options in the current market.
https://mortgagemd.com.au/home-loans/sydney-home-loans-2026/

Saving a 20% deposit can take years. The Australian Government 5% Deposit Scheme may help eligible first home buyers get...
09/09/2026

Saving a 20% deposit can take years. The Australian Government 5% Deposit Scheme may help eligible first home buyers get into the market sooner — with a deposit as low as 5% and, in many cases, no Lenders Mortgage Insurance.

Curious if you qualify? We break down eligibility, price caps and how it compares to other options 👇
https://mortgagemd.com.au/home-loans/first-home-buyers/

Buying property in Australia as a non-resident is possible — but the rules are more layered than most people expect, and...
04/07/2026

Buying property in Australia as a non-resident is possible — but the rules are more layered than most people expect, and getting it wrong can be costly.

Your options depend on your residency status:

🇦🇺 Australian citizens — no restrictions, regardless of where you live
🟢 Permanent residents — same rights as citizens
🟡 Temporary residents — generally one established dwelling as a primary residence
🔴 Foreign investors — typically new builds only

And that's before FIRB approval, lender assessment of foreign income, and the narrower pool of lenders willing to consider non-resident applications.

Our latest article covers the essentials — a useful starting point if you're exploring this area.

🔗 mortgagemd.com.au/news/non-resident-buying-property-australia/

Australian Credit Licence 501419. General information only — not personal credit advice.

"How much deposit do I actually need?" — it's the first question most buyers ask, and the answer in 2026 is more nuanced...
02/07/2026

"How much deposit do I actually need?" — it's the first question most buyers ask, and the answer in 2026 is more nuanced than it used to be.

The 20% benchmark still stands as the standard to avoid LMI. But several pathways now exist for eligible buyers who haven't reached that threshold:

→ 5% with the Australian Government 5% Deposit Scheme (no income caps, no waitlists as of Oct 2025)
→ 10% with a profession-based LMI waiver for eligible professionals
→ 5%+ with a guarantor loan structure

And don't forget — the deposit is only part of the upfront cost. Stamp duty, legal fees, and inspections all need to be factored in.

Our latest article covers all of it.

🔗 https://mortgagemd.com.au/blog/minimum-deposit-home-loan-australia-2026/

Australian Credit Licence 501419. General information only — not personal credit advice.

Here's something many first home buyers don't realise until it's too late: Lenders Mortgage Insurance doesn't protect yo...
02/07/2026

Here's something many first home buyers don't realise until it's too late: Lenders Mortgage Insurance doesn't protect you — it protects your lender.

LMI is a premium you pay when your deposit is below 20% of the purchase price. It can add $15,000 to $35,000+ to the cost of your loan, and it doesn't give you any cover in return.

The good news is that depending on your circumstances, there may be ways to avoid it — including government schemes, guarantor structures, and profession-based waivers for eligible doctors, lawyers, accountants, and engineers.

We've broken it all down in our latest article. Worth a read before you start your home loan journey.

🔗 mortgagemd.com.au/lmi/what-is-lenders-mortgage-insurance-lmi-in-australia/

Australian Credit Licence 501419. General information only — not personal credit advice.

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10 Wirralee Street, South Wentworthville
Parramatta, NSW
2145

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