Mojoh Finance Mortgage Brokers

Let’s make your dream of Australian home ownership a reality

Simplifying your Australian home loan journey

Navigating the Australian home loan landscape can feel overwhelming, especially in today's market. With soaring property prices, strict lending criteria, and an ever-changing financial landscape, many aspiring homeowners find themselves lost in the complexity.

We understand these challenges because we help people overcome them every day. That's why we don't just offer mortgage services — we provide peace of mind through personalised guidance and tailored solutions, supporting you every step of the way to simplify the journey and turn your homeownership dreams into reality.

Whether you're a first-time buyer, looking to refinance, or building your investment portfolio, we're here to make your path to property success clear, confident, and achievable.

Your benefits

 
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Expert Mortgage Matching

Get the perfect mortgage product for your situation, including specialised options for different residency status.

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Full-Service Guidance

Find and finance the right property with our dual expertise in mortgage broking and buyer's agent services.

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Time-Saving Support

Let us handle the complexities of loan applications while you focus on finding your ideal property.

 
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Risk Protection

Avoid costly mistakes with expert mortgage and property buying guidance throughout your property journey.

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Stress-Free Experience

Enjoy a seamless process from mortgage application to settlement with dedicated support.

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Zero Cost Service

Access professional mortgage expertise at no out-of-pocket cost to you.

Ines & John

Meet the team

As immigrants to Australia ourselves and with a property portfolio we started in our 20s, we know there is not a right time to start, the key is to take action.

As Mojoh Group, we have established ourselves as a trusted name in the property industry, bringing proven expertise to every client interaction. We have solutions to finance your project from the initial step to your exponential growth. Aggregated with most lenders from big banks to smaller groups, we have access to a wide range of financial solutions to meet your unique needs.

At Mojoh Finance:

  • We care about you and our community

  • We succeed when you succeed

  • We respond to all your questions and guide you every step of the way

  • We empower you to make decisions that are right for you

  • We aim to make you financially successful

  • “Ines has been absolutely fantastic”

    “I cannot recommend Ines D. and the Mojoh Group highly enough! Ines has been absolutely fantastic in helping me through the process of securing my first home loan as a first-time buyer two years ago, and more recently, in refinancing this year.

    Her strengths lie in clear communication, which made navigating the complex world of mortgages so much easier for me. She is incredibly efficient, taking fast action to get things done promptly. What I really appreciate is her customer-focused approach—she truly listens to your needs and works tirelessly to find the best solution for you.

    If you're looking for a mortgage broker who not only gets the job done efficiently but also cares about your understanding and satisfaction, look no further than Mojoh Group! They are true professionals who make what could be a stressful process smooth and straightforward. Thank you once again for your exceptional service and support!”

    Ines Lesniak

  • “Fantastic experience"

    “I had a fantastic experience with Mojoh Group! She was not only professional and knowledgeable but also incredibly supportive throughout the entire mortgage process. Thanks to their guidance, everything went smoothly, and I got a great mortgage rate. I highly recommend this to anyone looking for mortgage services! 💕💕”

    Nanda Rizki Severe

  • “I cannot recommend Ines and Mojoh Group enough!"

    “Ines has been incredibly helpful throughout the whole buying process! She was prompt to answer any worries or requests we had and would take the time to discuss all of our different options in detail to help us make an informed decision. She made the whole mortgage process feel very smooth and easy and found us the best possible rate for our situation. I cannot recommend Ines and Mojoh Group enough!”

    Sophie S.

Enjoy a streamlined mortgage process⁠

1

Proposal

First contact

Call to assess your requirements and eligibility

Signed proposal

2

Mortgage Approval

Collection of information for mortgage

Loan approval

Loan contract signed

3

Settlement

Settlement

Key collection

Frequently Asked Questions

  • In Australia, the cost of using a mortgage broker can vary, but generally, most mortgage brokers do not charge a direct fee to the borrower. Instead, they earn their income through commissions paid by the lenders. Here’s a detailed breakdown of how mortgage brokers are typically compensated:

    1. Upfront Commissions

    Mortgage brokers receive an upfront commission from the lender when a borrower successfully takes out a home loan.

    2. Trail Commissions

    In addition to the upfront commission, mortgage brokers also earn a trail commission, which is an ongoing payment made by the lender for the duration of the loan.

    Additional Considerations

    • Transparency: It’s important to ask your mortgage broker about their commission structure and any potential conflicts of interest, as brokers may have different commission rates with different lenders.

    • The mortgage broking industry is heavily regulated and as a requirement commission structure is disclosed prior to submitting the application to the lender.

    Conclusion

    Using a mortgage broker in Australia can be a cost-effective way to secure a home loan, as their services are typically free to the borrower. They earn their income through commissions paid by lenders, which can vary based on the loan amount and the lender’s policies. Always ensure you understand how your broker is compensated to make an informed decision.

    If you have any more questions or need further assistance, ask Mojoh Finance today!

  • To buy a house in Australia, the requirements differ for residents and non-residents. Here’s a comprehensive guide:

    Visa Requirements for Buying Property in Australia

    For Non-Residents

    1. Temporary Resident Visa: If you hold a temporary visa, such as a 482 visa, you can buy property in Australia. However, you must obtain approval from the Foreign Investment Review Board (FIRB) before making a purchase.

    2. Foreign Investment Review Board (FIRB) Approval: All foreign nationals, including temporary residents, must seek FIRB approval to buy residential real estate in Australia. This process involves submitting an application and paying a fee.

    3. Types of Properties: Non-residents are generally allowed to purchase new dwellings, off-the-plan properties, or vacant land for development. Buying established (lived-in) properties is typically restricted unless specific criteria are met.

    4. Investment Visa: For those looking to invest significantly, the Australian Investor Visa (subclass 188) requires an investment of at least AUD 2.5 million. This visa provides a pathway to permanent residency but does not automatically grant the right to buy property without FIRB approval.

    For Residents

    1. Permanent Residents and Citizens: If you are an Australian citizen or a permanent resident, you can buy property without any restrictions. There is no need for FIRB approval.

    2. Types of Properties: Residents can purchase any type of property, including established homes, new dwellings, and vacant land for development.

    3. First Home Owner Grant (FHOG): Eligible first-time home buyers may receive financial assistance through the First Home Owner Grant, which varies by state and territory.

    Steps to Buy Property

    1. Check Visa Status: Ensure your visa allows you to stay in Australia for at least 12 months (for non-residents).

    2. Speak to a broker at Mojoh Finance for expert advises in non-resident and resident lending. With the right team of advisors, we can guide you through the following steps.

    3. Apply for FIRB Approval: Submit your application through the FIRB Online Services portal (for non-residents).

    4. Choose Property Type: Focus on new dwellings or off-the-plan properties to comply with regulations (for non-residents). Buyer agents at Mojoh Property can assist in finding the property meeting specific criteria.

    5. Finance approval, once the property has been found, a broker at Mojoh Finance will identify the right loan product and organise the loan application toward final approval.

    6. Complete Purchase: Once FIRB approval is granted, proceed with the property purchase (for non-residents). Residents can proceed directly with the purchase.

    Conclusion

    Buying property in Australia involves different requirements for residents and non-residents. Non-residents need FIRB approval and are limited to certain types of properties, while residents have more freedom and access to grants like the FHOG. Consulting with legal and real estate experts is crucial to navigate these regulations effectively.

  • The process of buying a house in Australia typically takes between 3 to 12 months from start to finish. Here’s a detailed breakdown of the steps involved:

    1. Preparation: This includes setting a budget, getting pre-approval for a mortgage, and deciding on the type of property and location you want.

    2. Finding a Property: This step involves searching for properties, attending inspections, and shortlisting potential homes.

    3. Making an Offer: Once you find a suitable property, you make an offer. If accepted, you move to the next step.

    4. Due Diligence: This includes conducting property inspections, obtaining legal advice, and finalizing your financing.

    5. Contract Signing: After due diligence, you sign the contract and pay the deposit.

    6. Settlement Period: This period typically lasts 30 to 45 days, during which your solicitor finalizes the legal paperwork and the bank prepares the loan documents.

    7. Settlement Day: On this day, the final payment is made, and you receive the keys to your new home.

    The timeline can be shorter or longer depending on market conditions, the complexity of the transaction, and how quickly you can complete each step.

    If you have any specific questions about the process or need further details, ask us today!

  • When choosing a mortgage broker, it’s important to consider several key factors to ensure you find the best fit for your needs:

    1. Experience and Credentials: Look for a broker with a solid track record and the necessary licenses. Experienced brokers are more likely to navigate complex situations and find the best deals.

    2. Reputation and Reviews: Check online reviews and ask for recommendations from friends or family. A broker with positive feedback and a good reputation is more likely to provide reliable service.

    3. Range of Lenders: Ensure the broker works with a wide range of lenders. This increases your chances of finding a mortgage that suits your specific financial situation.

    4. Transparency: A good broker should be transparent about their fees, the loan process, and any potential conflicts of interest. They should clearly explain how they are compensated and any costs you might incur.

    5. Communication Skills: Effective communication is crucial. Your broker should be responsive, willing to answer your questions, and able to explain complex terms in a way you understand.

    6. Specialization: Some brokers specialize in certain types of loans or cater to specific types of clients (e.g., first-time homebuyers, investors). Choose a broker who has experience with your particular needs.

    7. Customer Service: Good customer service can make the mortgage process much smoother. Look for a broker who is attentive, supportive, and willing to go the extra mile to help you.

  • Gaining knowledge about the home-buying process can seem daunting, but there are several effective ways to get started:

    1. Research Online: There are numerous resources available online, including articles, guides, and videos that cover every aspect of buying a home. Websites like government housing portals and real estate blogs can be particularly helpful.

    2. Attend Workshops and Seminars: Many local community centres, real estate agencies, and financial institutions offer workshops and seminars on home buying. These can provide valuable insights and allow you to ask questions directly to experts.

    3. Read Books and Guides: There are many books written specifically for first-time homebuyers. These can provide a comprehensive overview of the process, from saving for a down payment to closing the deal.

    4. Consult with Professionals: Speaking with real estate agents, mortgage brokers, and financial advisors can give you personalized advice and help you understand the market and your financial options.

    5. Join Online Forums and Groups: Online communities, such as forums and social media groups, can be a great place to learn from others who have gone through the process. You can ask questions, share experiences, and get recommendations.

    6. Use Real Estate Apps: Apps like Zillow, Realtor.com, and others can help you get a feel for the market, understand property values, and see what’s available in your desired area.

    7. Take a Homebuyer Education Course: Some organizations offer courses specifically designed for first-time homebuyers. These courses often cover everything from budgeting to understanding mortgage options.

    8. Talk to Friends and Family: If you know someone who has recently bought a home, ask them about their experience. They can provide practical advice and tips based on their own journey.

  • Eligibility for government grants in Australia can vary depending on the specific grant and your residency status. Generally, non-Australian citizens may still be eligible for certain grants if they meet specific criteria. Here are some key points:

    1. Permanent Residents: If you are a permanent resident, you may be eligible for many government grants, similar to Australian citizens.

    2. Temporary Visa Holders: Typically, temporary visa holders are not eligible for most government grants.

    3. Specific Programs: Some grants are available to non-Australian organizations if they are working alongside an Australian partner.

    4. Education Grants: For educational grants, such as Commonwealth Supported Places (CSP) and Higher Education Loan Program (HELP) loans, eligibility can extend to certain visa holders, like New Zealand Special Category Visa holders and permanent humanitarian visa holders.

    It’s always a good idea to check the specific eligibility criteria for the grant you are interested in. If you have any questions about your visa or other immigration matters, you can contact Mojoh Group and we will refer you to the relevant professional to assist with your unique situation.

  • Sourcing property is traditionally not the domain of expertise of a mortgage broker. However, Mortgage Brokers usually have close relationships with real estate agent including buyers agent which are expert at sourcing property for their clients.

    At Mojoh Group, we do have a in house buyer agency which make the process of buying an all in one package from sourcing the property, negotiating and financing.

Want to buy a property but unsure if you are eligible for a loan?

Regardless of your deposit amount, visa status, employment situation or credit score, get in touch today.