Every Loan You Need. One Award-Winning Broker.
First home, refinance, investment, commercial, SMSF or self-employed – we cover the lot. Since 2015, Best Mortgage Rates has helped Australian professionals borrow more, pay less, and get approved when other brokers couldn’t. With access to over 50 lenders and exclusive professional packages, we’ll show you your best options in under 24 hours.
The Strategy Behind Saving Our Clients
$80,000 on Average
Unlock special loan deals with interest rates below market rates – across every loan type we write
Lower Interest Rates on Every Loan Type
Whether you’re buying your first home, refinancing, or funding a commercial purchase, you get access to exclusive rates not available to the public – supported by our 98% approval success rate. No matter your financial situation, we’ll find the right loan for you within just 24 hours.
LMI Waived for Eligible Professionals
Avoid the burden of paying Lender’s Mortgage Insurance – eligible professionals save an average of $16,500 on LMI alone, borrowing up to 90% LVR without it. Plus, we waive all loan setup fees, putting even more money back in your pocket.
No Annual Loan Fees – Just Big Savings
Our commitment goes further. We’ll cover your annual loan fees on loans above $500K. That’s an additional $11,850 in average savings over the life of your loan.
Cashback on Purchases and Refinances
Get in touch now to claim up to $4,000 in cashback from leading Australian banks. We’ll help you secure the most competitive offers available today.
The Loans We Help With
One team, one application, every lending scenario – from your first home to your next commercial site
First Home Buyers
Buying your first home is exciting and stressful in equal measure. We guide you through the entire process – including the First Home Owner Grant and state-based incentives – and structure your application so it’s approval-ready. With access to up to 99.9% of the property’s value for eligible buyers, you may not need to wait until you’ve saved a full 20% deposit.
Refinancing
If it’s been a few years since you last reviewed your mortgage, there’s a good chance you’re paying too much. Refinancing can lower your rate, cut your repayments, unlock equity, or move you off a fixed rate before it reverts to something far higher. We handle the switch end to end – you just give us the tick of approval.
Investment Loans
Whether it’s your first investment property or your fifth, the loan you choose determines your return. We’ll compare fixed against variable, weigh up offset accounts, redraw and interest-only structures, and match you with a competitive investment loan from over 50 lenders – so your portfolio keeps growing.
Commercial Loans
Offices, industrial units, warehouses, medical suites, pubs and hotels, and multi-unit developments. Commercial lending works differently to residential, and the wrong structure is expensive. We compare hundreds of loans, prepare and submit everything on your behalf, and negotiate terms directly with our lender panel.
SMSF Loans
Make your super go further. An SMSF loan lets your fund borrow through a limited recourse borrowing arrangement to buy residential or commercial property, using the property itself as security. The rules are strict and the penalties for getting them wrong are real – which is exactly why you want a specialist. We also offer low-doc SMSF refinancing options.
Self-Employed Loans
Being your own boss shouldn’t cost you your dream home. We know which lenders accept one year of financials, which allow add-backs for depreciation and trust distributions, and which will accept an accountant’s letter or six months of business bank statements. Up to 95% LVR with full documentation, and low-doc options between 80% and 90%.
Our Easy Process
Make Enquiry
Fill in a simple form on this page or just call 1300 968 999
Speak with us
From reviewing your needs to negotiating rates and screening lenders – we handle it all and guide you every step of the way.
Loan Approved
Once you select the option that works for you, we take care of getting your loan formally approved – making the process smooth and effortless.
We Solve the Toughest Loan Cases in Australia
Whatever the loan – a first home, a refinance, an SMSF purchase or a commercial site – we’re often the team called in after others have failed to get an approval. That’s because our mortgage specialists don’t just understand the system – they’ve been the decision-makers behind it.
Our senior team includes former lending officers from major Australian banks, giving us insider knowledge of exactly what it takes to get your loan approved. We know how to position your application for the strongest possible outcome, whether your income is PAYG, contract, partnership profit, or company distributions.
Every member of our senior team is ranked among the top in Australia. So, no matter who you speak with, you’re getting guidance from one of the country’s most respected professionals.
Ready to explore your best options? Speak with our team today – we’ll show you exactly what’s possible.
Built Around Your Profession
Lenders don’t assess every career the same way – and neither do we
Medical and Health Professionals
Doctors, medical professionals and nurses are among the most sought-after borrowers in the country. Many lenders will waive LMI up to 90% LVR, and some go further for specialists. We know which lenders recognise which registrations, how to present overtime, shift penalties and locum income, and how to handle a career that moves between hospitals and practices.
Finance and Legal Professionals
Accountants, auditors and lawyers qualify for professional packages with several major banks – including LMI waivers, rate discounts and higher borrowing capacity. If you’re a partner, a practice owner or newly out on your own, we know which lenders will work from one year of financials and which will add back the right expenses.
Engineers and IT Professionals
Contract work, project-based income and share-based remuneration confuse most lenders. They don’t confuse us. We know which lenders count bonuses, RSUs and contractor income at full value, and which chartered memberships unlock professional pricing for engineers and IT professionals.
Not on the List?
Dentists, pharmacists, optometrists, physiotherapists, veterinarians and other qualified professionals may also be eligible for LMI-free lending. If you’re not sure whether you qualify, our team will assess your situation quickly and clearly – usually on the first call.
Home Loan and Lending FAQs
What types of loans does Best Mortgage Rates arrange?
We cover the full range of property and business lending:
- First home loans, including First Home Owner Grant guidance
- Refinancing and debt consolidation
- Investment property loans
- Commercial property loans
- SMSF loans and SMSF refinancing
- Self-employed and low-doc loans
We also arrange vehicle and asset finance and personal loans. If it involves borrowing, start with a call to 1300 968 999.
Can professionals really get a 90% LVR home loan without paying LMI?
Yes. Eligible professionals – including doctors, medical professionals, nurses, accountants, auditors, lawyers, engineers and IT professionals – may borrow up to 90% Loan-to-Value Ratio without paying Lenders Mortgage Insurance. Several major banks and lenders offer this in recognition of the strong financial standing and stable career paths of these professions. Eligibility varies by lender and by profession, so speak to us before you assume you don’t qualify.
What is LMI and why do some professionals get it waived?
Lenders Mortgage Insurance is usually required when borrowers have less than a 20% deposit. It protects the lender, not the borrower, in case of default. Because certain professions have consistently low default rates and predictable long-term income, lenders treat them as lower risk and waive the premium. On a typical professional loan, that’s an average saving of around $16,500.
How many lenders do you compare?
We work with a panel of over 50 banks and non-bank lenders, from the majors through to credit unions and online lenders. That means we don’t offer one or two suggestions – we compare the market and bring you the strongest options for your specific situation, usually within 24 hours.
I’m self-employed. How much can I borrow?
It depends on how you verify your income and how long you’ve been trading:
- Up to 95% LVR with full documentation (two years of tax returns and financial statements)
- 80% to 90% LVR under low-doc options
- Up to 80% LVR if you’ve been self-employed for less than one year
Most lenders prefer two years of financials, but some accept one year with strong income evidence, and specialist lenders will consider shorter histories. We also structure add-backs – depreciation, one-off expenses, trust distributions – to lift your borrowing power.
How does an SMSF loan work?
Your self-managed super fund borrows through a limited recourse borrowing arrangement to buy a residential or commercial investment property, using that property as security. If the fund defaults, the lender can only take the property – not the SMSF’s other assets. Strict rules apply: the property can’t be lived in or leased to any member or related party. Given the complexity and the penalties for getting it wrong, an experienced broker is strongly recommended.
How long does refinancing take?
Application and approval typically take around two to four weeks, with the full refinance process sometimes extending to six weeks. Costs can include application, valuation and legal fees – we identify and minimise these upfront so the long-term saving comfortably outweighs the cost of switching.
What loan features can I get?
You get the full range of modern loan features, including:
- Fixed and variable rate options
- Interest-only periods
- Offset accounts
- Redraw facilities
- Split loan options
- Waived annual fee credit cards
- Lines of credit
These give you flexibility and control over your loan, whether it’s an owner-occupied mortgage or an investment facility.
What makes Best Mortgage Rates different?
We specialise in lending for professionals. Our senior team includes former bank lending officers, so we know exactly how applications are assessed – and we negotiate directly with banks to secure exclusive terms. Every broker is ranked among Australia’s top 100, and we’re a multi-award winning brokerage, including Elite Broker recognition.
How do I get started?
Fill out the form on this page or call 1300 968 999. We’ll assess your eligibility, review your goals, and walk you through your top loan options in one simple session. Our aim is to save you time, money and stress – so you can get on with your career while we take care of the loan.
Why Australian Professionals Choose Us
Insider Knowledge from Bank Decision-Makers
Our team includes former bank staff who’ve worked behind the scenes making approval decisions – so we know exactly what it takes to get your loan across the line.
Every Loan Type Under One Roof
First home, refinance, investment, commercial, SMSF and self-employed – one team who knows your full picture, so your next loan is structured with your last one in mind.
End-to-End Guidance and Support
From your first consultation to final settlement, we’re with you at every step. We’ll simplify the process, provide regular updates, and take care of the details so you don’t have to.
Access to Faster Approvals and Better Rates
As premium-status brokers, we offer faster loan turnaround times and negotiate lower interest rates – advantages you won’t get going direct.
Over 50 Lenders on Our Panel
From the major banks to credit unions and online lenders, we compare hundreds of products – not the handful a single bank can offer you.
Recognised Excellence You Can Trust
We’re a multi-award winning mortgage brokerage, with every broker ranked among Australia’s top 100 – so you can be confident you’re working with the very best.
Exclusive Access to Private Lending Channels
We work with dedicated bank divisions and loan programs not accessible to the general public – giving you more flexible and competitive options.
Tailored Strategies Built Around Your Profession
We don’t believe in one-size-fits-all loans. We customise every solution based on your career, income structure, and financial goals – ensuring the loan fits you, not the other way around.
What our customers say
Helping Professionals Secure Loan Approvals
Enjoy exclusive interest rate discounts available to all professions through our premium lender relationships
About Best Mortgage Rates
Established in 2015. Elite Broker Award winner. Ranked among Australia’s best.
Best Mortgage Rates was established in 2015 to provide loan solutions to clients at every stage – from first home buyers to sophisticated investors and business owners. As an established mortgage broker company, we have an in-depth understanding of current market conditions and lending trends to ensure the best result for our clients.
Our goal is simple: help clients save money on their mortgage and pay off their loans faster. With access to over 50 lenders, we can offer you more loan options than any single bank.
Our services include refinancing, first home loans, investment loans, commercial loans, SMSF loans, self-employed loans, vehicle and asset finance, and personal loans.
Best Mortgage Rates Pty Ltd is an authorised credit representative 476238 of Australian Credit Licence Number 383640. ABN 16 605 457 894.