Made Simple
we’ve got you covered.
Lending Decisions
Quick, efficient, on-time approvals.
Client-First Approach
Your needs always come first.
Clear, Honest Guidance
Straightforward advice, no confusion.
What We Do
Expert Mortgage Services You Can Trust
We specialise in helping individuals and businesses across Australia secure tailored finance solutions with ease and confidence. Whether you’re buying your first home, refinancing, or growing your business, we’re here to guide you every step of the way.
01
First Home Buyers Loans
Buying your first home is a big step — and we’re here to make it easier. From understanding your borrowing power to navigating grants and government schemes, we guide you through the entire process to secure your first home with confidence.
02
Self-Employed Home Loans
Being self-employed shouldn't stop you from owning a home. At Intime Mortgage, we understand the unique challenges faced by business owners and freelancers. We offer flexible home loan solutions designed around your income structure, making the process simple and stress-free.
03
Refinance Home Loans
If you're looking to reduce your repayments, unlock equity, or get better loan features, refinancing could be the smart move. We compare a wide range of lenders and help you switch to a loan that better suits your current needs.
04
Property Home Loans
Whether you're buying your first investment property or expanding your portfolio, we offer expert advice and tailored loan options to help you maximise returns and build long-term wealth through real estate.
about company Ownership of a Home
Ownership of a Home
Without any Stress
We are here to help you both during and after your path to house ownership. We simplify everything for you to grasp, starting with our first conversation and continuing through the strategy session, settlement, and all subsequent phases. We are lifelong financial pals who constantly assist you in obtaining loans that meet your unique requirements.
Free Session
Advice & Suggestions on Purchasing Strategies
Customised Home Ownership
Plan with Little Documentation
Some of Our Lenders
Our Proven Process
Proven steps for confident finance solutions.
1. We Listen
We start by taking the time to truly understand your goals, challenges, and financial situation. Whether you're buying your first home, refinancing, or growing your business, we listen closely so we can serve you better.
2. We Analyse
Using advanced tools and industry knowledge, we assess your financial profile and loan options. We compare lenders, products, and interest rates to identify what best suits your needs — ensuring it's not just affordable, but sustainable.
3. We Deliver
Once we’ve found the right loan solution, we handle the application process from start to finish. We work quickly and efficiently to secure the best outcome for you — just Intime.
Our Benefits
Clients first, service and results delivered
Personalised Solutions
Get the right loan structure designed specifically for your lifestyle, income, and long-term financial goals.
Fast & Efficient Process
Enjoy a smooth application process with quicker approvals and expert support from start to finish.
Clear, Honest Advice
Understand your options clearly through open, transparent, and jargon-free conversations with our expert team.
our blog
Read Our Latest Insights
Insights, tips, and updates to guide you through every stage of your finance journey.
From home loan advice to market trends and money-saving strategies, our blog is here to keep you informed and empowered — every step of the way.
faqs
Most Popular Questions
Have questions? We’ve got answers.
At Intime Mortgage, we believe in keeping things clear and simple. Here are answers to some of the most common questions our clients ask about home loans, eligibility, rates, and more.
Still unsure? Feel free to contact us anytime — we’re here to help, just Intime.
Why should I use a mortgage broker?
Using a mortgage broker gives you access to expert advice, a wide range of loan options, and personalised support throughout the process. We compare multiple lenders on your behalf to find the best deal — saving you time, money, and stress.
How much do you charge for your services?
In most cases, our services come at no cost to you. We’re paid a commission by the lender after your loan settles, so you benefit from our guidance and support without paying out of pocket.
Am I eligible to get a loan?
Loan eligibility depends on several factors including your income, expenses, credit history, employment status, and deposit. We’ll review your situation and let you know exactly where you stand — no guesswork, just clear answers.
How long does it take to get an approval?
Approval times vary by lender and application type. Generally, pre-approval can take 1–3 days, while full approval may take 5–10 business days. We help speed up the process by ensuring your application is complete and accurate from the start.
Can you help if I’m self-employed?
Absolutely. We specialise in helping self-employed clients who may not have traditional income documents. We understand how to present your financials to lenders and match you with options that suit your business structure.
Can I get a loan with bad credit?
In many cases, yes. While bad credit can limit your options, we work with a wide range of lenders — including those who offer solutions for clients with imperfect credit history. We'll assess your situation and guide you through the best available options.
What is the best rate I can get?
Rates vary depending on your financial profile, deposit, credit score, and loan type. We compare offers from multiple lenders to help you access the most competitive rate available for your circumstances.
What is the minimum deposit required for a home loan?
Most lenders require a minimum deposit of 5%, but a 20% deposit helps avoid Lenders Mortgage Insurance (LMI). We’ll help you understand your options based on your savings and financial goals.