Your home base, sorted! Whether you’re buying your very first home or your forever one, we’ll help you find a home loan that fits your life, without the overwhelm. All the advice, none of the stress.
Give your mortgage a glow-up! If your current loan isn't serving you anymore, refinancing could unlock better rates, lower repayments or new possibilities. We’ll run the numbers and make switching simple.
Get on the property ladder, sooner! New to the home buying game? We’ve got you. We’ll walk you through every step, explain everything clearly and help you access any grants or benefits you’re eligible for. You bring the dream, we’ll help make it happen.
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
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Our Investment Loan options will see you expanding your property portfolio sooner
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Take advantage of better rates on the market and refinance your Home or Investment Loan
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We'll help you understand the Home Loan types, grants and incentives to get into your First Home
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Fund your purchase of a new property, plant or buy another business with a Business Loan
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Max H
Chandelle helped me figure out how much I can afford to borrow and explained a lot of finance stuff in a way that made sense. I was expecting the whole process to be difficult but the only hard part was finding all my paperwork and documents! After that, she actually made it feel easy. I'm now pre-approved and excited about buying my first home!
Joanna
Im so pleased to have been recommended to Chandelle by a mutual friend, she listened to me and offered me advice which actually talked me out of buying a property that turns out was not suitable for me. I don't know that many super honest people who puts others interests before their own, but that was certainly the case here. Whilst I havent yet bought, I will 100% be going back to see Chandelle because she has proven to be a genuine, caring and smart girl. Thanks Chandelle!
At Mortgage Lane, it’s never just about securing a loan - it’s about making your journey streamlined, supported and more joyful from the very first conversation to long after you get the keys.
Our values are the heart of everything we do. They’re what steer us in every interaction, every solution we recommend and every milestone we celebrate with you. They’re what help us build not just loans, but lasting relationships.
At the core of Mortgage Lane, you’ll find L.A.N.E. - the values we live and breathe:
L - Loyalty
We’re in your corner from start to finish (and beyond).
Your goal becomes our goal and we’re committed to supporting you with honesty, consistency and genuine care.
A - Approachability
Home loans can feel complicated, but we don’t think they have to.
We keep it focused, clear and friendly making sure you always feel comfortable asking questions (even the curly ones).
N - Navigation
We’re your guide through the maze of lenders, products and paperwork.
Whatever the obstacles, we help you find the clearest path forward, always focused on your unique needs.
E - Excellence
Good enough isn’t good enough.
We aim for better, better advice, better service, better outcomes - so you feel empowered and confident at every step of your journey.
From Here to Home and Beyond - Mortgage Lane is with you all the way.
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Pre-approval is your golden ticket, it shows sellers and agents that you’re serious (and ready).
At Mortgage Lane, we help you get pre-approved quickly so when the perfect place pops up, you're ready to take action!
Good question, because it's not just the deposit!
There’s stamp duty, legal fees, maybe a valuation fee, and a few other bits and pieces.
We’ll lay it all out for you in plain English, with no scary surprises along the way.
In most cases, you’ll need somewhere between 2% and 20% of the property price.
Bigger deposit? Great! It can help you avoid extra fees like LMI.
Smaller deposit? No stress, we’ll work through the smartest options together to get you on the road.
Short answer: Thankfully - very little of your time!
Long answer: Pre-approval can be a few hours to a few days and full approval usually occurs within 1–2 weeks (depending on the lender, loan conditions and paperwork).
The important part is that we do the heavy lifting, nudging (or pushing) lenders to keep things moving and keep you updated so you’re never left wondering what’s next.
Think of it like a speed dating 'get-to-know-you' event: ID, payslips, tax returns, bank statements, details of debts and savings.
We’ll send you an easy step-by-step list so you know exactly what’s needed - and we’re always here to help if you get stuck.
LMI protects the bank, not you. (Annoying, we know.)
It usually kicks in if you have less than a 20% deposit.
We’ll show you how it works, when you can avoid it, and what creative strategies we can use to save you money where possible.
Think of it like shopping with a set budget - your borrowing power depends on your income, expenses, and a few other things like existing loans.
At Mortgage Lane, we crunch the numbers early, so you know exactly what you can comfortably afford before you even start scrolling through dream homes.
Because a bank can only tell you about their products.
We provide you with access to a broad network of lenders and loan solutions finding the best lender and loan for your needs, not theirs.
Plus, we take the pressure off and advocate for you every step of the way. And our service comes at no cost to you!
That’s when the real fun begins!
You’ll move through to settlement (we’ll guide you through it), and before you know it, keys in hand, dreams unlocked.
And we’ll still be right here, checking in, helping with future questions, and making sure you always feel supported beyond settlement.
Have a question we didn’t cover? Reach out anytime, your journey is personal and we're always happy to help.
Fixed rate = same repayments, no surprises.
Variable rate = repayments can move up or down with the market.
Which one's better? It depends on what you value more - certainty or flexibility.
We’ll help you figure out what feels right for your journey (and your nerves).
The Trustee for CJL Family Trust ABN: 36 704 139 887. Credit Representative #569174 is authorised under Australian Credit License #389328
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. This testimonial was given by our customers. They are individual experiences of our customers that have used our service. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Calculators are illustrative only and calculated based on the accuracy of the information entered by you. They are not a guarantee of an offer or acceptance of loan eligibility.
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