Mortgage Brokerage

As licenced, qualified Credit Advisor’s we will focus on your best interest and manage the process for you.

Head office

Partners

Your Specialist Mortgage Broker.

Whether you are a first home buyer, upgrading, looking to refinance or buying an investment property you have come to the right place.

At our sister company, Direct Credit Finance Pty Ltd, we take pride in our ability to provide our clients with access to a diverse panel of over 30 lenders. We understand that finding the right loan product can be challenging, which is why we take the time to listen to your unique needs before making our recommendation.

As your dedicated mortgage broker, we work tirelessly to provide you with a comprehensive and unbiased financial analysis of hundreds of different loan products offered by major banks and smaller lenders. This means you can trust us to provide you with honest and balanced advice on what the right product is for you.

With more than 59% of Australians now turning to mortgage brokers for their borrowing needs, you can count on us to guide you every step of the way towards the smartest borrowing decision for your individual situation. So why wait? Contact us today to see what options are available for you!

Speak to one of our accredited loan specialists today.

First Home buyer

Buying your first home is an exciting experience, but we understand that it can also be overwhelming and stressful. We will manage the process for you and make it a memorable experience. With our experience and expertise, we can help you understand the important things you need to know when entering the property market for the first time.

We can also assist you with State and Federal government grants to help you get into your first home sooner. The following grants are available:

– State Government’s First Home Buyer Grant. Visit your State Government’s website for more information.

– Federal Government Schemes:

Home Guarantee Scheme
First Home Guarantee Scheme
Regional First Home Buyer Guarantee Scheme
Family Home Guarantee

Refinance

It’s always a good idea to review your home loan from time to time to make sure it still suits your needs. Your life will change and so will your personal circumstances. Before you make any decisions we will help you weigh up your options and work out if refinancing is right for you. In today’s lending market, what was initially a competitive priced loan may now come with a less than impressive interest rate or high fees.

Upgraders

Need an extra bedroom, a second living room or want more space. If you are considering to upgrade there are many things to consider.

Self Employed

You are vital to a thriving economy yet some lenders are hesitant when it comes to home loans for you. We have experience dealing with lenders and loan products designed for you. Whatever you are looking for, we have a thorough understanding of self employed lending policies, as well as out of the box solutions.

Investors

Choosing to invest in a property is a big commitment and we are here to provide you with the right tools and knowledge.

Direct Credit Finance Pty Ltd is an Authorised Credit Representative (506177) of Direct Credit Home Loans Australia ACL 392727

Direct Credit Home Loans Australia

4.9

Based on 62 reviews

review us on

Andrea Howgego

23:45 14 Aug 24

We have been dealing with Direct Credit for the past 5 years and they have been amazing. Puawai the whole team at Direct Credit have always gone above and beyond to help us and think of the best financial solutions for our family. Always achieving the best results!Tammy communicated consistently and I always knew where the process was at.Thank you to the whole team at Direct Credit, you have been the amazing! We are extremely grateful and thankful for all your help these last few years.We have and will continue to recommend your services to everyone.

Garry Weir

06:19 31 Jul 24

The most helpful and polite guys to do business with and don’t mess around to get things done 👍👍👍👍

Kim Boyle

05:53 12 Jul 24

I have been dealing with Direct Credit for the last 5 years this being my 2nd mortgage through them. The staff have always been exemplary in their professionalism but also treat you like they would family which is how I am privileged to feel. I have had the pleasure of having Puawai Herewini as my bank manager along with Katie and Tammy the client services manager and team. This last loan was a separation settlement and I honestly don't know what I would've done without them. With all of the previous stresses of the last couple of years and work changes I left everything thing quite late and the team just batted together and made it happen in such a short time frame, I am so very grateful.The support often on a daily basis I have received is well above their designated job descriptions as I said feel like part if the Direct Credit family everyone has been absolutely fantastic always going above and beyond helping me through this long drawn out situation. Again I can't thank you all enough!!! Derek you have the dream team working for you, they have yet again smashed it out of the ball park. So very relieved to have settled today and will definitely as I already do be recommending your companies services to everyone. Thank you all so very much again.

Dwayne Smith

06:05 28 May 24

Without any doubt these guys are the Home Loan 'A TEAM'. I had a really bad experience with Mortgage Choice which resulted in my finance falling over at the last stage due to the broker I was using.My brother put me onto Direct Credit and the team of Derek, Puawai, Tammy & Katie, they went above and beyond to secure me finance approval to build my new home.Thankyou all sooooo much 🙏

Zoe Smith

00:36 16 May 24

We couldn’t have asked for a better experience as first home buyers. Derek, Tammy & Katie were very knowledgeable & involved us in the entire process. We would definitely work with them again.

Mitchell Robson

21:00 13 May 24

The team at direct credit have been great!!! Such a stream line process and give the best options possible. Always transparent and give up to date info asap! Derek has been in the industry for a many years and it shows. Any Hick ups or troubles,,,, no stress he has it covered!Thank you direct credit

marilou capili

04:03 09 May 24

Craig Richardson

00:16 20 Feb 24

Heather and Tammy were excellent at Direct credit, they handled a complex multi-loan multi-bank refinance professionally and efficiently, achieving a great outcome for us.

jason bell

04:49 11 Dec 23

A pleasure doing business with the team at Direct CreditMasters in guidance through what can be a minefield of qualification

Heather Ross

07:25 03 Oct 23

Awesome - Puawai, Tammy, Heather and Derek. So patient and understanding. They go above and beyond!

Narelle Buller

09:40 30 Aug 23

Excellent service, great communication and always available to answer any questions. Very happy with our experience

Angus Bland

03:09 27 Jul 23

The team at Direct Credit were so helpful, friendly and efficient. They helped to select the best personal option. Information was readily available all the way along. No question was too big or small! My partner and I dealt mostly with Tammy and Kate, they were both amazing. I definitely recommend Direct Credit, especially if you are a first home buyer. Thank you so much!

Nathaniel McLaren

05:42 26 Jul 23

Highly recommend these guys. Thanks again Heather & Tammy!

Tod Oakroot

02:45 19 Jun 23

Derek and Tammy from DCHLA were extremely helpful and ensured the whole home loan process was as simple as possible with great communication and a caring approach.Couldn't recommend them highly enough!

sarah jambia

01:05 21 Mar 23

Rodney Searston

04:24 01 Mar 23

We found ourselves in a difficult situation and the team from Direct Credit Home Loans found us an avenue which has allowed us to move forward. Puawai did his absolute best working with us and our accountant; the follow up from Tammy and Katie was awesome. This is our second loan with Direct Credit Home Loans and I'm sure it won't be the last. Thank you so much guys.

Sue Chapman

22:12 22 Feb 23

These guys are absolutely amazing! I would almost pay higher interest rates to be with these guys, almost! Fortunately, though, they are able to achieve the best outcomes for their clients. They work so hard to do this. I am so impressed!The personal service not only through the loan process, but with ongoing support, is second to none. Would be very disappointed with anyone else after being so well looked after by these guys 🙂