About Mortgage Lane

Mortgage Lane was founded with one simple goal: to make the path to homeownership, refinancing or investment feel more guided, more personal and a lot less overwhelming. Behind Mortgage Lane is Chandelle Lord, a seasoned property professional with nearly two decades of real estate experience and a genuine passion for helping people connect with places they love.

Having spent 19 years in the real estate industry, working her way from front desk to director - Chandelle developed a deep understanding of the emotions, challenges and decisions that come with purchasing property. Over the years, she found herself drawn not just to the bricks and mortar, but to the people and stories behind every purchase and sale. Mortgage Lane was born from this passion with a clear purpose: to provide mortgage and finance advice that feels more human, more considered and more aligned with each client’s unique journey.

At its heart, Mortgage Lane is about relationships. Chandelle believes finance shouldn’t feel like a numbers game, it should feel like someone’s got your back. She takes time to understand each client’s goals, concerns and personal circumstances before offering tailored solutions through an extensive panel of lenders across Australia. Whether you’re buying your first home, refinancing to improve your loan structure or exploring your next investment, Mortgage Lane is here to guide you, step by step.

What makes Mortgage Lane different isn’t just the industry knowledge, it’s the way it’s delivered. Clients often describe Chandelle’s approach as calm, caring and incredibly thorough. She blends professionalism with a down-to-earth style that makes people feel instantly at ease. You won’t find complicated jargon, sales pressure or cookie-cutter advice here. Instead, you’ll get clear explanations, ongoing support and a broker who genuinely wants you to feel confident in every decision you make.

The name Mortgage Lane was thoughtfully chosen. Just as a quiet lane leads you home, Chandelle wanted to create a space where clients could feel guided, listened to and supported as they moved toward their property goals. Every conversation is grounded in integrity, transparency and respect. It’s not just about loans, it’s about long-term impact. Mortgage Lane’s focus is on delivering a service where people walk away saying, “That was actually a really good experience.”

This attention to detail isn’t just a value, it’s a way of working. Chandelle keeps clients updated, checks in regularly and goes the extra mile to ensure no question is left unanswered. It’s this dedication that turns first-time clients into long-term advocates and trusted referrers.

Mortgage Lane is based in the beautiful region of Mudgee NSW, but works with clients all over Australia. Whether you’re in a major city, a regional town or somewhere in between, you’ll receive the same warm, responsive service that Mortgage Lane is known for. Meetings are available in person or online and flexibility is always part of the service.

Mortgage Lane is also proud to grow mostly through word-of-mouth referrals. That means every recommendation is earned through genuine care, clear communication and consistently high service. Chandelle doesn’t just want to settle a loan, she wants to create a standout experience that clients remember for the right reasons.

So whether you’re ready to purchase, planning your next move or simply curious about your borrowing options, Mortgage Lane is here to help. With the right guidance and a broker who truly listens, navigating finance can feel a whole lot more achievable.

At Mortgage Lane, it’s not just about where you’re going, it’s about how you get there. From here to home and beyond

Our Latest Reviews

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!

We work with Australia's biggest lenders

Frequently Asked Questions

What’s pre-approval, and why does everyone talk about it?

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!

What extra costs should I know about?

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.

How much deposit do I need?

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.

How much time will it take?

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.

What documents do I need to get started?

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.

What is Lenders Mortgage Insurance (LMI), and do I need it?

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.

How much can I borrow?

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.

Why use a mortgage broker instead of going straight to a bank?

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!

What happens after I’m approved?

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.

What’s the difference between fixed and variable rates

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).

Mudgee, NSW

0450 901 478

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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.

About Mortgage Lane

From Here to Home and Beyond