Loans we arrange
Every type of loan, compared across 50+ lenders.
Home, investment, construction, SMSF, business, commercial, development and equipment finance. Tell us what you want to do and we will find the lender that fits.
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How can we help you?
Home lending
Home and investment loans.
For buyers, upgraders, refinancers and investors.
Home loans
Owner-occupied loans for your next home, compared across our full panel.
Learn moreFirst home buyers
Grants, the 5% Deposit Scheme and stamp duty concessions, handled for you.
Learn moreRefinancing
Lower repayments, better features or access to equity.
Learn moreInvestment property loans
Structures that keep your portfolio flexible and tax-aware.
Learn moreConstruction loans
Progress-payment loans for building or knockdown rebuilds.
Learn moreEquity loans
Release equity for renovations, investment, business or bridging.
Learn moreSMSF loans
Commercial property lending for self-managed super funds.
Learn moreAlt doc loans
Home loans for self-employed borrowers, using BAS, bank statements or an accountant's letter.
Learn moreBusiness lending
Business and commercial finance.
Including complex scenarios, private lenders and the cases banks often turn away.
Business and franchise loans
Buy, start or expand a business or franchise.
Learn moreCommercial property loans
Offices, factories, warehouses and specialised securities.
Learn moreDevelopment finance
Site acquisition, construction and subdivision funding.
Learn moreEquipment finance
Vehicles, trucks, machinery and plant.
Learn moreOur process
How we find the right loan for you.
- Free loan review. We start with a conversation about your goals, income, deposit and timeline, in person in Moonee Ponds or by phone or video.
- Compare 50+ lenders. We check rates, fees and lending policy to shortlist the loans you are most likely to be approved for.
- Apply and get approved. We prepare your application, deal with the lender and keep you updated, so you are not chasing paperwork.
- Settle and beyond. We guide you through settlement and review your loan as your needs and the market change.
Why a broker
Choosing a loan is about more than the rate.
The lowest advertised rate is not always the cheapest loan, or the one you will be approved for. Fees, features such as offset accounts and redraw, how the lender treats your income, and how quickly it can approve all make a real difference.
Our brokers bring decades of lending experience plus a background in accounting, so we look at the whole picture, including tax, cash flow and your long-term plans. Read more about what a mortgage broker does.
Questions
Common questions about our loans.
Does it cost anything to use MKS Lending?
For most home loans our service costs you nothing, because the lender pays us a commission when your loan settles. If a fee applies, for example on some complex commercial or private lending, we tell you upfront and in writing before you go ahead.
How many lenders do you compare?
We work with more than 50 lenders, including the major banks, regional banks, non-bank lenders and private lenders. That lets us match you with a lender whose policy fits your situation, not just the one with the best advertised rate.
What if the banks have said no?
A decline from one lender does not mean a decline everywhere. Lender policies differ on income types, credit history, property types and loan sizes. We regularly place self-employed borrowers, complex structures and short-term scenarios with specialist lenders.
How long does the process take?
A pre-approval can come through in a few days once we have your documents. Full approval and settlement depend on the lender and the purchase, but we keep you updated at every step and handle the back-and-forth for you.
Do you only work in Moonee Ponds?
Our office is in Moonee Ponds and we meet many clients face to face, but we arrange loans for clients across Melbourne, Victoria and Australia by phone and video.
Not sure which loan you need?
That is what the free loan review is for. Tell us your goals and we will point you in the right direction.