First-home buyers
Build a realistic budget, understand deposit and purchase costs, and prepare for pre-approval before making an offer.
See how we can help → Licensed credit representative · English and Chinese · Australia-wide
Home, investment and business finance—explained clearly
Clear guidance. Practical next steps.
From a first home to a commercial development, we help you understand lender policy, compare suitable options and move through the application with a clear plan.
CRN 574792
Credit representative
ACL 384404
Licensee credit licence
AFCA 118606
External dispute resolution
Australia-wide
Online support available
CRN 574792Credit representativeACL 384404Licensee credit licenceAFCA 118606External dispute resolutionAustralia-wideOnline and bilingual support Barangaroo NSW 2000 · Australia-wide service
Finance services
Finance for the property and business decisions that matter
We start with your objective, income structure and timing, then explain the policies and trade-offs that shape a suitable pathway.
Home Loans
First-home purchases, owner-occupied loans, refinancing and construction finance.
Explore service →Investment Loans
Finance for a first investment property, portfolio growth and equity access.
Explore service →Commercial & Development
Commercial property, business acquisition and property development finance.
Explore service →Foreign Income & Non-Residents
Options for expatriates, temporary residents and borrowers earning overseas income.
Explore service → Your situation
Different borrowers need different lender policies
A strong application starts by recognising what is unusual—or simply important—about your position.
Self-employed borrowers
Work through business income, financial statements and lender policy without forcing a standard PAYG approach onto your application.
See how we can help →Foreign-income clients
Identify currency, visa, document and lender-policy issues early for Australian expats, migrants and overseas investors.
See how we can help →Homeowners refinancing
Compare the rate, features, fees, remaining term and switching costs—not just the headline repayment.
See how we can help → How it works
A clear process from first conversation to settlement
You stay informed about what is happening, what is needed and what decision comes next.
Understand
We clarify your objective, timing, income, deposit, liabilities and any policy complications.
Compare
We assess relevant loan structures and lender policies, then explain the costs and trade-offs.
Prepare
We organise the evidence and application so the lender can understand the complete position.
Progress
We coordinate questions, valuation, approval and settlement, and keep you updated throughout.
Tools
Estimate first, then discuss the real lending position
- Calculate repayments, interest and the effect of extra repayments
- Use the AI assessment for a preliminary, non-binding pathway
- Keep calculator inputs in your browser—they are not submitted to us
- Ask a credit representative to review lender policy for your circumstances
Why MRH Mortgage
Professional credit assistance without unnecessary jargon
We work with home buyers, investors, business owners, developers and people whose income or residency does not fit a standard application. Our role is to make the policy, numbers and next steps understandable.
- Credit Representative 574792 under Australian Credit Licence 384404
- English and Chinese communication
- Residential, investment, commercial and development finance
- Based in Barangaroo, Sydney, with online service across Australia
Start a conversation
Tell us what you are trying to finance
Share your loan purpose, income type and preferred contact method. Please do not upload or email sensitive documents at this initial enquiry stage.
Service focus: Sydney, Melbourne, Brisbane; available Australia-wide.
