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The Mortgage Company

The Mortgage Company

4.9(75 reviews)See reviews ↓·Melbourne

About the company

The Mortgage Company is a mortgage broker based in South Yarra, Victoria, Australia. It offers a First Home Buyer Scheme allowing a 5% deposit with no Lenders Mortgage Insurance (LMI), no income caps and no waiting lists. Its services include No Monthly Payments Loan, First Home Buyer Scheme, Build Now Pay Later for Investor, Build Now Pay Later Home Loan, Co-Living Investment, SMSF Loan, Refinance and ATO Tax Debts.

The company provides a 'Build Now, Pay Later' finance solution for investors that allows a minimal deposit and skipped repayments during construction. It also provides a 'Pay on Completion' finance option that pauses repayments while a home is being built with no interest piling up.

What customers say

Based on genuine customer reviews

First-home buyers, investors and self-managed super fund trustees repeatedly describe a smooth and well-managed mortgage process, with the complexity of each deal handled patiently and clearly. Several customers highlight the depth of knowledge among the team, naming Susan Kelly, Michael, Theo, Carly, Lana and Alex for their guidance through loan applications, refinancing and property purchases. A point made in several accounts is the timeliness of responses, with queries answered promptly and clients kept informed from initial enquiry through to settlement, including when lenders needed chasing.

Reviewers also note that detailed transactions, such as SMSF property purchases through a limited recourse borrowing arrangement and finance for NDIS properties, were worked through without drama. First-time buyers in particular mention that explanations were given at every stage, making a daunting process feel manageable, while returning clients comment on consistent professionalism across multiple loans. The friendliness of staff and their willingness to tailor finance to individual circumstances round out the recurring praise, with settlement outcomes described as efficient and reliable.

Reviews

Reviews are taken from publicly available sources.

A
AKG8 May 2026

Amazing service and friendly staff! Highly recommend if you’re looking for someone to give you the best possible products as well as a friendly yet professional manner! They have extensive knowledge in knowing what’s best for you and your future!

MG
Marco Gritti12 February 2026

We had an absolutely fantastic experience working with Michael and Susan to secure the mortgage for our first home. As first-time buyers, the process felt overwhelming at times (always), but their knowledge, guidance, and patience made everything so much easier. They are incredibly knowledgeable and took the time to explain every step clearly, making sure we felt confident and informed throughout the entire process. No question was ever too small, and they were always available to help, quick to respond, proactive, and genuinely supportive. We truly couldn’t have asked for better brokers to guide us through such an important milestone. Highly recommend Michale and Susan to anyone looking for professional, reliable, and personable mortgage brokers!

AP
Ambit Pradhan7 September 2025

I had an outstanding experience with The Melbourne Mortgage Company, and I’m so thankful to Susan and Michael for their dedication and expertise throughout the entire loan process. Susan guided me with incredible professionalism, ensuring everything ran smoothly and keeping me informed at every stage. Michael’s insight and support were invaluable, and Carly’s attention to detail really made a difference, especially when it came to the paperwork. Together, this team made what could have been a stressful and overwhelming process feel seamless. Their combined knowledge, patience, and commitment are second to none. I highly recommend TMMC and the amazing trio of Susan, Michael, and Carly for anyone seeking exceptional service and a smooth mortgage experience!

JA
Joe Augustine28 March 2025

I had an outstanding experience with The Melbourne Mortgage Company, and I cannot thank Susan enough for her dedication and expertise throughout the loan process. She went above and beyond to ensure everything ran smoothly, keeping me informed at every stage and addressing any challenges with professionalism and care. Her knowledge, patience, and commitment made what could have been a stressful process feel effortless. I highly recommend TMMC, and especially Susan and Michael, to anyone looking for exceptional service and a seamless mortgage experience!

SR
Shailend Raj3 November 2024

I was blown away by Theo’s professionalism from the moment we started the mortgage process. His timely response to queries, exceptional level of service, knowledge of various products and always being available to answer your calls/respond when needed is unmatched. I will be using him again for my mortgage needs and have no hesitation in recommending Theo to anyone.

JB
Joel Booth29 September 2024

I was looking for finance for a commercial LRBA. Theo and Lana at MMC were helpful every step of the way. Though it took more than 3 months from the initial inquiry to settlement, MMC did a great job of communicating with my conveyancer and I from start to finish. I would thoroughly recommend them.

JM
Jay Moait4 September 2024

⭐️⭐️⭐️⭐️⭐️ and 5 more stars! The Melbourne Mortgage Company have been more than helpful and have made my whole mortgage process a piece of cake. Susan Kelly has gone above and beyond to help me with this process and honestly couldn’t have done it without her! I’ll definitely be using them again in the future

Lenders & loan agencies in Melbourne compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 10 businesses in this category in Melbourne are compared.

RankProviderRatingReviewsOpen Sat.
1Mortgage Broker Melbourne★ 5,0589Yes
2My Mortgage Freedom★ 5,0361No
3What If We Finance Mortgage Broker Melbourne★ 5,0322Yes
4Accession Finance: Mortgage Brokers Melbourne★ 5,0287Yes
5Mel Finance Mortgage Brokers Melbourne★ 5,0222Yes
9The Mortgage Company (this page)★ 4,975Yes
Contact
+611300781680tmmc.com.auLevel 1/54 Davis Ave, South Yarra VIC 3141
Working hours
Monday09:00–17:00
Tuesday09:00–17:00
Wednesday09:00–17:00
Thursday09:00–17:00
Friday09:00–17:00
Saturday09:00–17:00
Sunday09:00–17:00