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

29/10/2026

Non-resident, or working through a credit history?

Lender policies can differ, and eligibility depends on individual circumstances. Our latest article explains how lender approach can vary: https://mortgagemd.com.au/blog/non-resident-and-bad-credit-home-loans-lender-approach/

Book an Assessment with the MortgageMD team to talk through your situation.

General info only. Not personal advice. MortgageMD Pty Ltd, Australian Credit Licence 501419.

28/10/2026

First home buyer eyeing the 5% Deposit Scheme?

Our latest article looks at what first home buyers may want to consider in a cooling Sydney market, including eligibility, price caps and lender criteria: https://mortgagemd.com.au/blog/5-deposit-scheme-cooling-sydney-market/

Book an Assessment with the MortgageMD team to talk through your situation.

General info only. Not personal advice. MortgageMD Pty Ltd, Australian Credit Licence 501419.

27/10/2026

How does an LMI waiver application actually work?

Our latest guide covers the documents lenders commonly ask for, the application process and other pathways that may be worth considering. Eligibility depends on the lender and your circumstances: https://mortgagemd.com.au/blog/how-to-apply-for-lmi-waiver/

Book an Assessment with the MortgageMD team to see what may apply to you.

General info only. Not personal advice. MortgageMD Pty Ltd, Australian Credit Licence 501419.

25/10/2026

Heading into 2027, what may buyers want to watch in Sydney?

Our latest article looks at what a softer market can mean for buyers, including price movements, borrowing capacity and lender policy. Conditions vary by suburb and property type: https://mortgagemd.com.au/blog/sydney-property-market-outlook-2027/

Want to understand where you stand? Book an Assessment with the MortgageMD team.

General info only. Not personal advice. MortgageMD Pty Ltd, Australian Credit Licence 501419.

23/10/2026

Talking about "the Sydney property market" as one thing is getting less useful.

Recent Cotality data points to entry-level and premium properties performing quite differently, with the gap varying by suburb and price bracket. Our latest article breaks down what is behind the two-speed pattern: https://mortgagemd.com.au/blog/sydney-two-speed-property-market/

Want to understand where your situation sits? Book an Assessment with the MortgageMD team.

General info only. Not personal advice. MortgageMD Pty Ltd, Australian Credit Licence 501419.

23/10/2026

What could the RBA's rate outlook mean for your home loan?

Our latest article walks through what mortgage holders may want to consider before the end of 2026, including loan structure, fixed-rate expiry dates and how repayments can be affected: https://mortgagemd.com.au/blog/rba-rate-outlook-end-of-2026/

Want to talk it through? Book an Assessment with the MortgageMD team.

Current as at 23 October 2026. General info only. Not personal advice. MortgageMD Pty Ltd, Australian Credit Licence 501419.

22/10/2026

Self-employed and applying for a home loan?

Lenders generally want to see your income history, and the paperwork can look different depending on whether you are a sole trader, run a company or operate through a trust. Our latest article explains what is typically involved and where low doc loans may fit: https://mortgagemd.com.au/blog/self-employed-home-loan-documentation/

Want to talk it through? Book an Assessment with the MortgageMD team.

General info only. Not personal advice. MortgageMD Pty Ltd, Australian Credit Licence 501419.

08/10/2026

Rates up again? Here are a few things worth checking this week:

✔ Your current rate and loan type
✔ Whether you're using your offset account
✔ Your budget buffer
✔ Whether your pre-approval is still current

Want to talk it through? Read the full update and book an obligation-free assessment with the MortgageMD team: https://mortgagemd.com.au/blog/rba-lifts-cash-rate-september-2026/

General info only. Not personal advice. Australian Credit Licence 501419.

07/10/2026

Is your fixed rate ending in the next few months?

With the cash rate now at 4.60%, the rate you roll onto may look quite different from the one you locked in. Reviewing your options before the expiry date could give you more choices.

Our latest article explains what the RBA's September decision may mean for fixed and variable borrowers: https://mortgagemd.com.au/blog/rba-lifts-cash-rate-september-2026/

General info only. Not personal advice. Australian Credit Licence 501419.

04/10/2026

The RBA has lifted the cash rate to 4.60%, its fourth rise this year and the highest level since 2011.

If you're on a variable rate, your repayments may increase if your lender passes the change on. We've broken down why the RBA moved, what it could mean for your mortgage and a few steps worth considering.

Read the full update: https://mortgagemd.com.au/blog/rba-lifts-cash-rate-september-2026/

General info only. Not personal advice. Australian Credit Licence 501419.

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Website

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