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Why Choose Us

Complimentary service

At Direct Mortgages, we don't charge our customers anything if your home loan is approved with us. In the unlikely event we can't find you a better mortgage deal you will have not paid us a cent so you have nothing to lose and everything to gain.

 Save you time and money

A difference of even 0.1% on your home loan can save you thousands of dollars over the term of the loan. As expert mortgage brokers, we regularly negotiate discounted interest rates, bank fees and can help select and tailor a product that could save you money.

 Make the banks fight for your business

By giving us your best quote details we can use this as leverage to get a bank that wants your business to put together a better deal. They do not advertise this service and rarely offer it to individuals but due to our strong negotiating power as mortgage brokers, we can get them to cut their profit margins to win your business.

 Choice of lenders

There are many lenders both banks and non-banks (thanks to Australia's trillion dollar superannuation industry) that offer superior home loan deals but you may have never heard of. These lending companies may be smaller in the industry and may not publicly advertise, which mean lower costs and lower interest rates for you. As specialist mortgage brokers, we have access to these lenders.


As trusted mortgage brokers, we have recognised accreditations and a wealth of experience in home loans and can help you with any queries you may have. We can help home loan customers in all types of situations and strive to achieve the best result for their individual situation.

What we do?

Direct Mortgages team group photo with Jacob Santos.

 Finance is complicated!

The right home loan is hard enough to find. Mortgages can be stressful and time consuming. Our job as a mortgage broking specialist is to help you achieve your goals and financial freedom.

Through structure, correct and in-depth look at your current situation, we can tailor a plan that suits your needs.


Our promise to you

As far as possible we'll make things easy for you
We'll have meetings you can look forward to
We will listen to you and always take the time to understand your needs
We will promptly address your questions, concerns or complaints and return your phone calls and requests
We will always be honest and trustworthy in our actions
We commit to maintain high standards of competence through ongoing training
Your affairs and files will be kept strictly confidential
We'll always be clear about the ongoing service we provide and any costs to you


Rails Contrails
Rails Contrails
As a customer of Direct Mortgages for many years, I can absolutely say that Jacob and his team have ‘above and beyond’ as the standard for the level of service you can expect. Our most recent experience had us liaising with Karam for an investment loan. Karam’s communication style is on point and he kept us in the loop with goings-on at all times throughout. It’s always a pleasure dealing with Direct Mortgages for all our finance needs. Thanks team - 5 stars! V&S
Jimmy N
Jimmy N
Just refinanced with Direct Mortgages. I was dealing with Nick mostly and he was a big help negotiating with the banks, trying to get the best outcome for us. Life can be a bit busy and stressful so it was an easy decision to speak to Direct Mortgages. Together with Jacob, they made the whole process very smooth. I would definitely recommend anyone to see Nick at Direct Mortgages for any loans or refinancing. FYI Nick and Jacob also helped us getting our initial home loan. Good people to deal with. Thanks again guys.
Littlenikki Cy
Littlenikki Cy
I would highly recommend Jacob and the whole Direct Mortgages Team for your first home purchase or investment. Jacob is a client advocate.. excellence is what i describe to this team. in a matter of less than 2 months since I ask Jacob and the team about my interest of getting my first home we now hold the key to our new home.. (timeline: September 8 to October 19, 2022) Nurses and essential worker out there, Jacob crack the code. if your planning to buy your first home, Direct Mortgages is truly one you need.
Jis lis
Jis lis
Karam and the team were great in providing me valuable suggestions and helping at all stages of my house purchasing journey. The biggest headache of arriving at the right financial institution for getting the loan was seamlessly easier due to the expert opinion provided by Karam. Would definitely recommend his service…..
John Arambulo
John Arambulo
Kudos to MR. JACOB SANTOS for DIRECTly assisting us with our MORTGAGES in simplifying and consolidating everything. We would also personally thank MR. KARAMJEET SINGH for the patience and understanding rendered to us during the processing and packaging of our Loan from the other Bank. You guys simply made Loan Consolidation a breeze and painstakingly easy to tackle. Rest assured I will personally endorse you guys once a family and a friend is in need of a honest and straightforward Broker who made sure things are DIRECTly handled in all MORTGAGE related. God speed… 🫡 Salute to your team!
Kian Bester
Kian Bester
Darwin Bryan David
Darwin Bryan David
Highly recommended!!! Jacob and his team are always there to guide you and answer your queries with expert advise. I’m very happy how they have handled my case by giving us the most suitable options for our situation and assisting us all throughout the process.
Soe Soe
Soe Soe
Jacob and Karam are awesome they helped soe and I get the home we wanted they were very patient, it was a long journey but we got there guys haha. some things happen for a reason we are happy 😁. Karam did a great job and was easy to communicate with, he even spoke with us after hours. After settlement Jacob came to see the house we bought which was very nice. These guys really went above and beyond thank you very much 👊😎🤙
Amrinder Jeet Singh
Amrinder Jeet Singh
We are extremely happy and satisfied with the service provided by Karamjeet, He knows so much about home loans and explains everything very clearly, From the first conversation, he was understanding and professional and since then we knew that our case is in good hands, He not only helped us to settle our first home loan but also gave us some very good advices about managing our current and future loans.I highly recommend Karamjeet, and look forward to engaging his services again.
Melissa Currie
Melissa Currie
For anyone wanting a slice of the Great Australian Dream of owning their own home, I can't recommend Jacob and the team at Direct Mortgages enough. Trying to get back into the housing market after many years was beginning to seem insurmountable. We had tried another broker through one of the big four banks and getting a pre-approval turned out to be a Sisyphean task. We ended up contacting Direct Mortgages and the process through Jacob and Sherren was almost completely seamless from the initial conversation, the automated document signing to getting us through the final loan documents. In 90 days, we'll be moving into our dream home, in our dream location where we'll continue to raise our young family. Thanks again to Jacob and the Direct Mortgages team - we couldn't have done it without you!
Welcome to Direct Mortgages, the home loan specialists that could help you save time and money on your home loan.