Direct Mortgages

Business Details

19 Years

experience

Trusted Mortgage Brokers in Williams Landing, VIC

Established in 2007, Direct Mortgages has built a reputation as a trusted mortgage broking firm in Werribee and the western suburbs of Melbourne. Our team of accredited professionals specialises in tailoring home loan solutions to meet individual client needs, whether for first-time buyers, property investors, or business owners. With access to over 30 major lenders and hundreds of loan products, we prioritise competitive rates, transparent communication, and ongoing support.

Our accreditations with PLAN, FBAA, MFAA, and COSL underscore our commitment to industry excellence. We pride ourselves on simplifying complex financial processes, ensuring clients achieve their property and investment goals with confidence and clarity.

Services

First Home Buyer Loans Refinancing & Restructuring Property Investment Loans Development Loans Business & Commercial Loans Loan Negotiation Tailored Finance Solutions Investment Strategy Advice Auction Attendance Market Analysis Reports

Details

Year established: 2007

Highlights and features

We offer complimentary services with no fees if your home loan is approved.
Our team negotiates discounted interest rates and bank fees to save you thousands.
We leverage our broker status to secure better deals from competing lenders.
We provide access to exclusive home loan products from 30+ major lenders.
Our brokers hold industry accreditations and have decades of combined experience.

Associations and certifications

Professional Lenders Association Network of Australia
Finance Brokers Association of Australia
Mortgage and Finance Association of Australia
Credit Ombudsman Service Ltd

What people say

Above and beyond Smooth process Expert opinion Patient and understanding Seamless from initial conversation

Website

Update Listing

Services

First Home Buyer Loans

We specialise in guiding first-time buyers through the home loan process. Our brokers help clients secure competitive rates, navigate government grants, and select suitable properties. With tailored advice and access to exclusive products, we ensure first home buyers achieve their goals with confidence and financial clarity.

Property Investment Loans

Our team assists property investors in securing optimal financing for residential or commercial investments. We provide market analysis, negotiate low-interest loans, and structure repayments to maximise returns. Local knowledge of Melbourne's western suburbs ensures clients make informed, profitable investment decisions.

Refinancing & Restructuring

We help clients reduce repayments by refinancing existing loans. Our brokers compare hundreds of products to find better rates, negotiate fee waivers, and restructure terms to suit changing financial circumstances. This service ensures clients optimise their mortgage for long-term savings.

Development Loans

Direct Mortgages offers tailored financing solutions for property developers. We connect clients with lenders offering flexible terms and competitive rates for residential or commercial developments. Our expertise ensures projects are funded efficiently, minimising risk and maximising profitability for developers in Melbourne's growth areas.

Business & Commercial Loans

We provide customised loan solutions for businesses seeking expansion, equipment purchases, or working capital. Our brokers assess clients' financial needs, compare commercial lending options, and negotiate terms that align with business growth strategies, ensuring access to funds without unnecessary financial strain.

People

Jacob Santos

Mortgage Broker

Jacob has over 15 years of experience in mortgage broking, specialising in first home buyer loans and investment financing. His client-focused approach and deep local market knowledge have helped hundreds achieve property ownership in Werribee and surrounding areas.

Karamjeet Singh

Mortgage Broker

Karamjeet is known for his patient, transparent communication and expertise in complex loan scenarios. With a focus on first-time buyers and refinancing, he tailors solutions to clients' unique financial situations, ensuring clarity and confidence throughout the process.

Nick Karamjeet

Support Team

Nick provides critical support in loan documentation and client communication. His attention to detail and responsiveness ensure smooth transactions, particularly in refinancing cases where timely coordination between banks and clients is essential.

Sherren

Mortgage Broker

Sherren specialises in assisting first home buyers with automated document processes and pre-approvals. Her efficient workflow and understanding of government grants streamline the path to homeownership for new buyers in Melbourne's western suburbs.

Sonny

Mortgage Broker

Sonny focuses on property investment loans, leveraging his market insights to help clients secure profitable deals. His negotiation skills and access to exclusive lender products make him a trusted advisor for investors in Werribee.

Questions

What home loan services do you offer?

We offer first home buyer loans, refinancing, property investment financing, development loans, and commercial loans tailored to your financial goals.

How do you help clients save money?

We negotiate discounted rates, waive bank fees, and compare 30+ lenders to find the most competitive home loan products for your situation.

Do you charge fees for your services?

No, our services are complimentary. Banks pay our commission, so you get expert advice at no cost if your loan is approved.

Can you assist with property investments in Werribee?

Yes, we specialise in investment loans for Melbourne's western suburbs, offering market analysis and financing solutions to maximise returns.

What areas do you service?

We primarily serve Williams Landing, Werribee, and Melbourne's western suburbs, with expertise in local property market dynamics.

Reviews (4)

Write a Review

Andrew Seymon Andrew

Jan 26, 2022 Report

Jacob and Kareem were amazing. Always available to assist and advise us first home buyers. Their advice was given in a cheerful and enthusiastic manner giving us reassurance that we would find something suitable for us and within an acceptable price range.
Cheers.

Yemon Jaucian

Jan 20, 2022 Report

Working with Jacob, Karam and the wider Direct Mortages team is an absolute pleasure. We have done business with them over a number of years several times for the simple fact that they are responsive and professionals at what they do. If you need a home loan or an investment loan, save yourself time and call their team! They make things happen!

Leegit Smashbox

Jan 17, 2022 Report

Positive:Professionalism,Quality,Responsiveness,Value
The team at Direct mortgages was amazing to working with, smooth sailing from the start, and not only that, they have gone above and beyond, to make sure everything is going well, and have continued to follow up, with advice and checking in to see how we are going with everything even after settlement, highly recommend their services

Mario Desmier

Jan 16, 2022 Report

Jacob and the team @ Direct Mortgages are very friendly and professional, and have made our journey towards building a small investment portfolio a seamless, stress-free and enjoyable experience. I would highly recommend their services to anyone making their first investment step, or already established investors.