Business Details
25 Years
experience
Your Trusted Mortgage Broker in Australia
Established in 2001, Mortgage World Australia has been dedicated to simplifying the home loan process for Australians nationwide. Led by Director Patrick O'Brien, our team combines over two decades of industry expertise with a tech-driven approach to connect clients with tailored financial solutions. We pride ourselves on offering access to 52 of Australia's leading lenders, ensuring competitive rates and flexible terms across home loans, business financing, and investment property loans. Our commitment to transparency, personalized service, and innovative strategies has earned us a reputation as a trusted partner in navigating Australia's complex loan market.With a focus on empowering clients through education and support, we deliver end-to-end assistance from initial consultation to settlement and beyond. Our extensive knowledge of lender policies and credit requirements enables us to secure approvals for clients who may have been declined elsewhere. As a credit representative of Mortgage Specialists Pty Ltd (ACL 387025), we maintain rigorous professional standards while providing Australia-wide service, including support for overseas-based Australians purchasing property domestically.
Services
Home Loans
Business Loans
Car Finance
Debt Consolidation
Deposit Bonds
Personal Loans
Investment Loans
Details
- Year established: 2001
Highlights and features
- We have 20+ years of mortgage broking experience since 2001
- We provide free property reports valued at $43 each
- Our service is free in most cases with no broker fees
- Our team includes finance specialists with banking industry experience
- We offer Australia-wide service including support for overseas clients
Associations and certifications
- Australian Credit Licence No. 387025
What people say
Expert guidance
Competitive rates
Successful approvals
Personalised service
Efficient process
Services
Home Loans
Tailored home loan solutions for first-time buyers, property investors, and refinancers. We offer competitive rates through our network of 52 lenders, with options including low-doc loans for self-employed borrowers and non-conforming finance for credit-impaired applicants. Our expert brokers guide clients through the entire process from pre-approval to settlement.
Investment Loans
Specialised financing for residential and commercial property investments. We provide access to lenders offering up to 95% LVR for residential investments and 60-80% for commercial properties. Our brokers help structure loans to maximise tax deductions and cash flow efficiency while navigating complex lending criteria for investment portfolios.
Debt Consolidation
Simplified debt management solutions that combine multiple debts into a single loan with potentially lower interest rates. Our brokers assess clients' financial situations to identify consolidation options that reduce monthly payments and streamline repayment processes while maintaining compliance with lending regulations.
Business Loans
Flexible financing solutions for business startups, expansions, and operational needs. We connect business owners with lenders offering tailored products including equipment financing, working capital loans, and commercial property mortgages. Our brokers leverage industry expertise to secure approvals for both established businesses and new entrepreneurs.
Deposit Bonds
Innovative deposit solutions that allow property purchases without tying up liquid assets. We facilitate deposit bonds as an alternative to cash deposits, enabling clients to secure properties while maintaining financial flexibility for other investments or expenses throughout the transaction process.
People
Patrick O'Brien
Director
With over 20 years' experience since 2001, Patrick holds a Bachelor of Business from UTS and Cert IV/Diploma in Financial Services. He specialises in investment property financing and has extensive banking and accounting experience, including roles at Macquarie Bank and publicly listed companies.
Tamara Ives
Home Loan Specialist
A mortgage industry professional with over 10 years' experience, Tamara specialises in low-doc solutions for self-employed borrowers and non-conforming finance for credit-impaired applicants. She brings valuable insights from previous roles at Commonwealth Bank and RAMS Financial Group.
Questions
What services does Mortgage World Australia offer?
We provide home loans, business financing, investment property loans, car finance, debt consolidation, deposit bonds, and personal loans through our network of 52 lenders.
How do you help first-time home buyers?
We offer tailored solutions including low-deposit options, first-home buyer grants assistance, and free property reports to help new buyers navigate the purchasing process.
Are there fees for your mortgage broking services?
In most cases, we charge no broker fees as we receive commissions from lenders, though standard lender fees still apply to loan transactions.
Can you assist self-employed individuals?
Yes, we specialise in low-documentation loans for self-employed borrowers, leveraging our expertise in alternative income verification methods and lender-specific requirements.
Do you offer online application options?
We provide digital signing platforms and online document submission to streamline the loan process while maintaining secure and compliant procedures.
How do investment property loans work?
We offer residential and commercial investment loans with flexible structures, including interest-only options, to maximise tax benefits and cash flow efficiency for property investors.
Reviews (5)
Hollie Day
Jan 18, 2022
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I have used AFP Wokingham for a mortgage and 2 x re-mortgages over the years dealing with David and Jamie previously and most recently Emma and Jasmine. I can't thank them enough. They have been able to get better rates than I was able to get anywhere else on the terms we wanted. Exceptionally professional and friendly, and I always get the impression they are advising based on my best interests.
Each application has ended in a mortgage offer within a few days to a week! Not pushy with the mortgage protection and insurance options but provide flexible options. I can't recommend them highly enough
Each application has ended in a mortgage offer within a few days to a week! Not pushy with the mortgage protection and insurance options but provide flexible options. I can't recommend them highly enough
Rozz Webb
Jan 07, 2022
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Positive:Professionalism,Responsiveness,Value
Michelle was so helpful and went above and beyond answering all our constant (and probably silly) questions and easing our worries! As first time buyers she made the process so smooth and easy and she was so friendly, always happy to pop on the phone! Cannot recommend enough, thank you so much!
Michelle was so helpful and went above and beyond answering all our constant (and probably silly) questions and easing our worries! As first time buyers she made the process so smooth and easy and she was so friendly, always happy to pop on the phone! Cannot recommend enough, thank you so much!
Girum Teshome
Jan 05, 2022
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Probably I could not see the highest level of customer service like AFP anymore. They are the top ! I wish if I could give them some more stars . I would like to say thank you specially for David Howarth, Jasmine and Chris. They were extremely supportive. They are very professional and they reply your email very quickly. Do you know what? all this high level of service is for free of charge.! I don't believe that!! I extremely recommend AFP Wokingham if someone plan to get a mortgage.
Amelia Anderson
Jun 25, 2021
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Positive:Professionalism,Quality,Responsiveness
A massive thanks to Dave and Conor for guiding us through our first mortgage application. Knowing little about the process coming into it they provided essential support with great communication throughout. We can't recommend their service enough and when the time comes in a few years we will definitely be back!
A massive thanks to Dave and Conor for guiding us through our first mortgage application. Knowing little about the process coming into it they provided essential support with great communication throughout. We can't recommend their service enough and when the time comes in a few years we will definitely be back!
Nicola Heath
Mar 12, 2021
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I had been looking online for a mortgage broker for awhile however I contacted AFP Wokingham and found them to be very professional and gave me much better personalised advice than compared with online. I liaised with Michelle Kent and from start to finish she provided a brilliant service and answered any queries I had via email/phone. They are the main reason we had our mortgage offer accepted and I would highly recommend them.
