We believe the journey to home ownership should be as unique as you. Founded in 2006 by Hilary Holliday, we set out to offer a more personal and approachable alternative to traditional mortgage broking—one that puts people first, with a distinctively feminine touch.
Based in Perth but proudly serving clients Australia-wide, we specialise in guiding first-time homebuyers through the often overwhelming process of securing a home loan. Our team of expert mortgage brokers is dedicated to finding the best financing options for your needs whilst providing unwavering support throughout the entire journey—whether you're buying your first home or managing your mortgage for years to come.
At Miss Mortgage & Associates, we focus on building lasting relationships. Our approach is centred around understanding you, your dreams, and your financial goals. We hold your hand every step of the way, ensuring you feel confident and informed throughout the process. And because we're with you for the long haul, we continue to partner with you through the life of your loan, helping you navigate any changes or challenges that come your way.
Your home ownership journey is personal, and so is our service. Let us help make your dreams a reality with a mortgage solution that works best for you.
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Phillip Weary
Hilary and her team at Miss Mortgage worked with me to refinance my property I found her to be efficient and effective in finding me the best available deal at the time to suit my needs. Hilary and her team were clear and consistent with communication and ensuring that I understood the process and the stages at which we were at continuously. I'd definitely recommend their services to others and will use again myself in the future.
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Sarah Chester
I cannot recommend Hilary at Miss Mortgage highly enough! From the moment we started looking to buy a house, Hilary was nothing short of amazing. Her knowledge of the market is impressive, and she was always ready to assist us, even with last-minute calls in this fast-paced environment of buying houses. We are incredibly grateful for her assistance and support throughout the process. Thanks to Hilary, we found the best deal for our mortgage! I would highly recommend Hilary if you’re looking for someone who genuinely cares and knows their stuff.
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Jody Nichols
I have been working with Hilary for over 15 years for my home loans and investment loans and always recommend her services to friends and clients. She has been in the banking and finance industry a long time and had a can provide advice and a tailored solution to anyone’s financing needs. to offer. Her long time office manager Maria is efficient, knowledgeable and friendly. Thankyou both for your help over the years.
A mortgage broker is a professional who acts as an intermediary between individuals or businesses seeking finance and potential lenders (like banks, credit unions, or other financial institutions). Their primary role is to help borrowers find the best mortgage options suited to their needs by comparing various loan products from different lenders.
1. The broker works with the borrower to understand their financial situation, credit history, and the type of property they want to buy, then helps identify the most appropriate mortgage products.
2. The broker has access to multiple lenders and loan products, so they shop around to find the best rates, terms, and conditions for the borrower. They can provide options that a borrower may not easily find on their own.
3. Brokers assist borrowers in gathering the necessary documentation, such as income verification, credit reports, tax returns, etc., to apply for a mortgage.
4. The broker submits the borrower’s mortgage application to lenders on their behalf, facilitating the loan process.
5. The broker may negotiate on the borrower’s behalf to secure favorable loan terms, such as lower interest rates or reduced fees.
Access to over 40 Lenders: Brokers have relationships with many lenders and can help borrowers access loan products & interest rates they may not find independently.
Expertise: Brokers understand the mortgage market and can help navigate complicated lending scenarios & loan processes.
Time-Saving: Brokers save borrowers time by comparing loan options and handling all the paperwork.
In essence, a mortgage broker simplifies the mortgage process, helps find competitive loan options, and ensures a smoother experience for the borrower.
1. Best interest duty (BID) requires mortgage brokers to act in the best interests of their clients when providing credit assistance. Best interest duty only applies to mortgage brokers, not banks! So unlike when you go directly to a bank, your broker is required by law to act in your best interests.
2. Mortgage brokers provide access to banks, credit unions, specialist lenders & private lenders giving you access to a broader range of loan products and interest rates. Brokers can shop around to find the best deals for your financial situation, saving you time and money.
3. Brokers are experts in the mortgage industry and can help explain the different types of loans, interest rates, and terms available. They can also guide you through the entire application process.
They are skilled at navigating complex paperwork, ensuring that you meet all the requirements for approval.
4. A mortgage broker can take the time to understand your unique financial situation (e.g. income, credit score, deposit) and recommend the most suitable loan options. They can also assist if you have a less-than-ideal credit history or non-standard income, finding lenders that specialize in those situations.
5. Brokers handle much of the legwork for you. They can gather documentation, submit applications to multiple lenders, and negotiate terms on your behalf. They save you the hassle of contacting multiple lenders to compare rates and products.
6. A mortgage broker may have access to lenders who are more flexible in their lending criteria, potentially improving your chances of getting approved, especially if your financial profile doesn’t meet the rigid requirements of a traditional bank.
7. The lender pays the mortgage broker, not the borrower so you get access to the expertise & personalised service of a mortgage broker without having to pay for it. A win-win!
If you go directly to the bank, you'll never know if there is a better deal available through another lender. Choosing a home loan is one of the biggest financial decisions of your life! A mortgage broker builds a relationship with you, a bank treats you like another number. It's a no-brainer!
Our service is complimentary as we are paid lender commissions.
Mortgage brokers are paid an upfront commission by the lender after your loan settles, calculated as a small percentage of the loan amount, minus any balance in offset. The upfront commission remunerates the broker for their time & expertise in matching your needs with potential lenders, conducting credit analysis & preparing your loan application. Your broker liaises with your lender & settlement team to ensure your loan settles smoothly.
Brokers also receive a monthly trailing commission, based on a small percentage of the loan balance, minus any balance in offset. Trailing commission rewards a broker for providing continued support & expertise throughout the life of your loan. We provide every client with an Annual Home Loan Health Check, which includes negotiating better rates without refinancing where possible.
All of this information is documented in your Statement of Credit Assistance, which you will receive before proceeding with a loan application.
Miss Mortgage Pty Ltd ABN: 90 122 968 316. Authorised under Australian Credit License #384994.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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