Every story below is a real client. Names and suburbs used with permission. Outcomes vary — speak to a broker to find out what's possible for your situation.
MFAA Accredited
Free Assessment · No Obligation
$380M+
Loans Settled
MFAA
Accredited Broker
Wide Panel
Banks + Specialists
1,200+
Clients Helped
Real situations. Real solutions. Real results.
James M.
Epping, NSW
The Problem
James had been paying 7.18% with CBA for 4 years without a single review. He assumed his rate was competitive — it wasn't. He was paying hundreds more per month than he needed to.
The Solution
Mortgagefy identified a lender offering 5.94% — matching his existing loan term and structure. Full refinance handled end to end, with zero disruption to his daily banking.
Monthly Saving
$617/mo
$185,100 in total interest saved
Sophie A.
Penrith, NSW
The Problem
Sophie believed she needed an $80,000 deposit to buy her first home. With only $38,000 saved and rising rents eating into her savings, she thought homeownership was years away.
The Solution
Mortgagefy secured a place in the First Home Guarantee (5% deposit, no LMI) and confirmed her $649,000 purchase qualified for the NSW stamp duty exemption — saving her $24,740 in duty alone.
Total Saved
$28,400
vs standard purchase without schemes
Omar S.
Lakemba, NSW
The Problem
Omar is a licensed electrician who had been self-employed for 2 years. He had only 2 BAS statements available, and his bank declined his application citing insufficient income documentation.
The Solution
Mortgagefy identified a specialist low doc lender and structured the loan at 87% LVR with a professional LMI waiver strategy — combining the self-employed policy with available waiver criteria.
LMI Saved
$23,000
Approved in 11 business days
Priya K.
Newtown, NSW
The Problem
Priya runs a profitable marketing agency but her bank assessed her borrowing capacity at just $380,000 — far below what she needed to buy in her target suburb. Her tax minimisation strategies worked against her.
The Solution
Mortgagefy applied an add-back strategy — adding back $45,000 in depreciation and $22,000 in vehicle-related business expenses — using a lender with a generous self-employed income policy.
Borrowing Capacity
$760,000
Doubled from original bank assessment
Lisa T.
Chatswood, NSW
The Problem
Lisa owned one investment property with significant equity but wasn't sure how to access it. Her bank told her she didn't have enough borrowing capacity for a second property without selling the first.
The Solution
Mortgagefy structured an equity release refinance, unlocking $180,000 in usable equity from her existing property. This was used as a deposit for a second investment property in a high-growth corridor.
Portfolio Value
$1.6M
2 investment properties, built from 1
Vincent P.
Mosman, NSW
The Problem
Vincent had 4 properties spread across 2 lenders, all on rates that hadn't been reviewed in years. The complexity of his structure meant no single bank was willing to help him optimise.
The Solution
Mortgagefy restructured the portfolio across 3 lenders — interest-only on the investment properties to maximise tax deductibility and P&I on his PPOR to build equity faster. All 4 properties refinanced simultaneously.
Monthly Cash Flow Improvement
$840/mo
Across all 4 properties combined
Ibrahim H.
Auburn, NSW
The Problem
Ibrahim is a Muslim first home buyer who needed a halal home finance product. Standard bank mortgages with interest were not permissible under his faith. Most brokers he contacted didn't know how to help.
The Solution
Mortgagefy connected Ibrahim with Hejaz Financial Services, a Sharia-certified provider. He was set up with a Diminishing Musharakah (co-ownership) structure — a fully halal alternative that meets ASIC and NCC requirements.
Settlement
5 Weeks
Fully halal structure, Sharia-certified
Anna R.
Parramatta, NSW
The Problem
Anna owns a busy café in Parramatta and had been trading for 8 months. Every major bank — including her own — declined her application. They required 2 years of financials she simply didn't have yet.
The Solution
Mortgagefy found a specialist lender with a short-ABN product that assessed serviceability using 3 months of business bank statements — no tax returns or BAS required. Fast-tracked approval.
Loan Approved
$540,000
Settled in 19 business days
Straight from Google — what our clients say about working with Mortgagefy.
"the Mortgagefy team was incredible. I'm self-employed with a complex income structure and he found a lender that gave me $650k when my bank offered $380k. He understood my business instantly and made the whole process straightforward."
the Mortgagefy team D.
Granville, NSW
"Called Mortgagefy after two bank rejections. the Mortgagefy team reviewed my situation in 20 minutes and had a pre-approval within 3 days. It completely changed our lives — we're in our first home now and couldn't be happier."
the Mortgagefy team A.
Auburn, NSW
"Low doc loan for my restaurant business. Mortgagefy found a lender who used my BAS statements — no full financials needed. The approval came through in under 2 weeks. Amazing result for a self-employed borrower."
Mohammed K.
Bankstown, NSW
"Only 13 months ABN and the bank laughed at me. Mortgagefy found a specialist lender who approved me at 87% LVR with no LMI. I couldn't believe it. They made it seem so simple when it absolutely wasn't."
Chen W.
Burwood, NSW
"IT contractor. Banks kept saying my income was 'uncertain'. the Mortgagefy team annualised my contract day rate and I qualified for $95k more than the bank had offered. Professional, fast, and genuinely invested in getting the best result."
Derek L.
North Sydney, NSW
"Refinanced from 6.9% to 5.85%. Saving $530 a month. The whole process was seamless — Mortgagefy handled the paperwork, communicated with the new lender, and kept me updated at every step. Couldn't ask for more."
Sarah M.
Parramatta, NSW
You can leave a Google review on our Mortgagefy Google Business Profile, or email feedback to hello@mortgagefy.com.au. We welcome honest reviews from past clients about their home loan experience.
Yes — every testimonial on this page is from a real Mortgagefy client who used us for their home loan. We do not pay for or fabricate reviews. Our publicly verified Google reviews are available on our Google Business Profile.
We typically respond within a few business hours during weekdays. For urgent enquiries, call 0432 634 648 directly.
Every situation is different. Book a free 15-minute assessment and find out what you qualify for — no obligation, no credit impact.
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We work with a wide panel of lenders across Australia. We are not tied to any one lender and compare loan options to help find a solution that suits your needs. All applications are subject to lender approval and lending criteria.
