Melbourne’s Premier Mortgage Partner
Building Foundations for Your Success!
Get a Free consultation with our Mortgage Experts
Who we are
Flexible, adaptable, and adjustable plans to fit your needs.
At SGS Mortgage, we understand that purchasing a home is one of the most significant investments you’ll ever make. That’s why we’re dedicated to providing personalized, transparent, and reliable mortgage solutions in Melbourne, tailored to your unique needs and financial goals.
Our team consists of experienced professionals who are passionate about helping individuals and families achieve their homeownership dreams. With a deep understanding of the local market and a vast network of lending partners, we empower our clients with the knowledge and home loan advice necessary to make informed decisions about their mortgage options.

OUR VALUE
Alone we can do so little, together we can do so much.
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Our Vision
At SGS Mortgage, our vision is to be the leading provider of mortgage solutions in Melbourne, recognized for our unwavering commitment to customer satisfaction, innovation, and community impact.
Our Mission
Our mission at SGS Mortgage is to simplify the home financing process and make home ownership more accessible for everyone in Melbourne.
Our Motto
Unlocking Homeownership Dreams Together. Provide innovative, affordable, and tailored housing finance solutions that meet clients’ needs.
HOW IT WORKS
Let us help you get your home today.

Step 1
Initial Interview
This is the first meeting with the
client to seek their goals, requirements and purpose for the loan. From the information provided by the clients, Addon Brokers will discuss the options with the client and find a suitable lender to meet their needs.

Step 2
Estimated Timeframe or lodgement
Your loan application will be lodged with the lender within 24 hours of receiving of ALL required supporting documents and application forms as requested.

Step 3
Conditional Approval
Estimated Timeframe 2-3 days.
Since we lodge on your behalf, the lender will send Addon Brokers a conditional approval letter once it has been conditionally approved. Upon conditional approval, property valuation(s) will be order by the lender (if required).

Step 4
Valuation Reports
Estimated Timeframe 3 days.
Valuation report(s) will be received by the lender within 3 davs of request. (subject to property access).

Step 5
Unconditional (full) Approval
Estimated Timeframe 2 days.
We will receive unconditional
approval from the lender within 2 days from receipt of their satisfactory valuations). we will then contact you to confirm the unconditional approval.

Step 6
Mortgage Documents
Estimated Timeframe 5-10 days.
The lender will send a copy of the mortgage documents to you or the nominated party within 5 days of unconditional approval. You will receive instructions on how to handle
the documents.

Step 7
Loan Settlement
Estimated Timeframe 2-10 days.
Purchasing a property Between 2-3 days after you have returned vour mortgage documents your solicitor/ conveyancer will contact the lender to book settlement. Refinancing Between 2-3 days after you have returned your mortgage documents the lender will liaise directly with your existing lender (if different) to arrange our property refinance.

Step 8
Congratulations
Settlement has been booked and your loan Is in piace.
*Please note, time frames are subject to variation based upon the lender selected. the valuer commissioned and/or the complexity of the loan application.
WHAT WE OFFER
Mortgages so simple, you see what you get.
New Home Loans
New Home Loans: Tailored to Your Needs
At SGS Mortgages, we know that no two homebuyers are the same. Whether you’re a first-time buyer, an investor, or looking to buy with a partner, our Mortgage Consultants are here to guide you through the process. With a range of new home loan products emerging, we can help you find the right loan, package it to suit your unique circumstances, and make home ownership more accessible.
Refinance Options
Refinancing with SGS Mortgages: Unlock Better Terms, Reduce Debt, and Achieve Your Financial Goals
At SGS Mortgages, we understand that your financial needs can evolve, and sometimes, your current loan may not be the best fit anymore. That’s why we offer a comprehensive Refinancing Service to help you restructure your loans for better terms, lower interest rates, and improved financial flexibility.
Investment Property Financing
Investment Property Financing: Expand Your Portfolio with Confidence
Are you looking to grow your real estate portfolio? At SGS Mortgages, we specialize in investment property financing that makes it easier for investors to purchase or refinance residential and commercial properties. Whether you’re looking to invest in single-family homes, multi-unit buildings, or commercial real estate, our tailored financing solutions are designed to help you take your investment strategy to the next level.
First-Time Homebuyer Programs
First Home Owner Grant (FHOG): Your Path to Affordable Homeownership
Buying your first home is an exciting milestone, and the First Home Owner Grant (FHOG) is here to help make it more affordable. This grant is a federal initiative administered by the state government, designed to encourage homeownership for first-time buyers.
Mortgage Pre-Approval
Mortgage Pre-Approval: Shop for Your Home with Confidence
In today’s competitive real estate market, a mortgage pre-approval can be the key to securing your dream home. At SGS Mortgage, our pre-approval process gives you a clear understanding of your borrowing capacity and shows sellers that you are a serious, qualified buyer.
Customized Mortgage Solutions
Customized Mortgage Solutions: Tailored to Your Needs
At SGS Mortgage, we believe that no two clients are the same, and we’re committed to providing personalized mortgage solutions designed to meet your specific financial goals and circumstances. Whether you’re a self-employed borrower, working with less-than-perfect credit, or in need of a jumbo loan, we’ve got you covered.
SMSF (Self-Managed Superannuation Fund)
SMSF Loans with SGS Mortgages: Secure Your Future with Strategic Property Investment
At SGS Mortgages, we understand the unique needs of individuals managing their Self-Managed Superannuation Funds (SMSFs). Our expert team specializes in providing tailored SMSF loan solutions designed to support your retirement goals and investment strategies. Whether you’re looking to grow your retirement savings through property investment or diversify your SMSF portfolio, we are here to guide you every step of the way.
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