Fast Track Your Home Loan
As Australia’s largest independently owned non-bank lender, we offer a huge range of loan and mortgage finance options. Come and learn more.
For 39 years we have provided a true alternative to the big banks through our tailored products, services and customer first focus.
PO Box 1962 North Sydney, NSW 2059
In 1986, Ken Sayer founded Mortgage House with a simple idea:
“Australians deserved better home-loan choices than the big banks were offering”
While others focused on volume, we focused on values — transparency, personal service, and genuine financial education. Starting with a single office in Sydney, we grew through a period of financial deregulation that reshaped the country’s lending landscape.
From those early days of hand-written applications to today’s AI-powered loan-origination platform, Mortgage House has stayed true to one principle:
“Trust Must Be Earned Through Discipline, Not Promises”
We now serve Australians nationwide through our multi-tenant Bidirectional SaaS ecosystem — the engine behind brands like Mortgage Street, Well Nigh, and Moneyer — while retaining the same independent spirit that started in a small office in 1986.
Our mission is to empower Australians to own property with clarity, confidence, and control.
We believe that a responsible lender’s duty extends beyond interest rates — it includes education, transparency, and innovation. Our mission is to build long-term financial resilience for our customers and communities.
Every decision is guided by ethics and full disclosure. We say what we mean and we document what we say.
Lending is personal. We listen first, advise second, and tailor solutions to real lives.
We combine smart data with human judgment to deliver timely, accurate outcomes.
From our AI loan assistant to Microsoft-integrated analytics, we invest heavily in technology that enhances human decision-making.
A cross-functional group spanning credit, operations, AI engineering, and customer care — each leader operating under ISO 27001 and APRA CPS 234 accountability standards.
Ken has over 40 years of experience in finance and is regarded as a pioneer of Australia’s non-bank lending sector. His approach combines risk discipline, innovation, and a deep commitment to ethical lending.
Specialist in structured finance and RMBS execution. Responsible for funding integrity, ALCO governance, and securitisation strategy.
1986
Mortgage House founded in Sydney.
First Broker Partnership Network launched.
1995
2005
Introduced Australia’s first fully digital loan processing suite.
Expanded to multi-brand distribution model (Mortgage Street, Well Nigh).
2015
2020
Migrated to Microsoft Azure Cloud with Zero Trust Security.
Deployed Bidirectional SaaS ecosystem for fintech partners.
2023
2025
Integrated AI-driven SmartLend Assist™.
Today
We seek the very best personnel to join our team and reward them with a career that offers much more than a simple job. Come and join us.
Before using Mortgage House, we tried another broker who made us feel like we weren't important enough for him to bother dealing with properly, and we always felt like we weren't getting the whole story. Jenny from Mortgage House was completely different. From the very beginning she kept us in the loop of everything that was happening, and always made sure she got back to us in a timely manner. Being completely new to this whole process she answered all questions we had and never made us feel like we were asking a dumb question. I don't think we would have been able to buy our first property without Jenny or Mortgage House. Thanks for everything!
Cannot recommend Michael Richardson from the Sutherland branch enough - he assisted us through the transition of refinancing a mortgage every step of the way. He was always available to talk through the options & guided us wherever he could with the documentation requirements. He visited our house after hours to accommodate us getting through what would normally have been an onerous task for 2 busy working parents trying to save some money on their home loan.
I refinanced and the process couldn't have gone more smoothly, great communication throughout the process made it stress free. All staff very professional and made jargon easy to understand. Not to mention a great highly competitive variable rate that the other lenders couldn't match. Have already highly recommended to friends.
Mortgage House were very helpful. I was extremely nervous about the process of refinancing however, Brij, my consultant made everything easy for me and was really supportive throughout the whole process. The process was also very quick. I would highly recommend Mortgage House.
Authority to promote fair lending practices.
All marketing content follows the ABA Banking Code of Practice (2025) and ASIC RG 271 (Complaint Responsiveness) to ensure clarity and consumer fairness.
We continue to achieve industry recognition for excellence in customer service and low-rate loan products. When you come to Mortgage House, know that you are in the safest hands.
Best Low Deposit Home Loan of the Year Back to Back Winner 2023-2024 (2 years)
Home Loans – 2023 Winner
Best-Value Basic Home Loan
(Non-Bank) 2022
Best Variable Home Loan
for the Chameleon Executive Home Loan 2022
All credit decisions made in Australia by qualified credit officers.
No hidden charges, ever.
Real-time application tracking via Bidirectional platform.
Personal loan specialists assigned to every application.
Privately owned and independently funded for nearly 40 years.
“Trust is earned through consistency. That’s why we focus on discipline, not shortcuts.”
– Ken Sayer
