Mortgages Are Complicated. We Make Them Easy.

Let us handle the 4000+ loans available, create your custom strategy and set you up to win.
P.S. Yes you can come to a Zoom call in shorts from your bedroom. We won't know.

Mortgages Are Complicated. We Make Them Easy.

Let us handle the 4000+ loans available, create your custom strategy and set you up to win.
P.S. Yes you can come to a Zoom call in shorts from your bedroom. We won't know.
Why Choose Us

Unlock financial freedom with smart choices

Fiercely Independent

We aren’t owned by a bank or real estate company. Rest assured, our recommendations stem solely from your best interests and achieving your goals sooner.

Crafted Strategies for Your Success

As Qualified Property Investment Advisors, we possess an intimate understanding of the market landscape. With us, you'll receive more than just advice—you'll gain a meticulously tailored roadmap designed specifically to guide you towards your property goals.

Long-Term Partnerships

Our business model is built on fostering enduring relationships with our clients. Beyond securing your home loan approval, rest assured that our support extends far into the future, ensuring you feel empowered and supported throughout your entire property ​journey.

Real People. Real Success.

Listen To Our Clients Stories Of Using Property To Create Their Dream Future

Laura & Keith

First, Second and Soon To Be Third Time Investors
“We never thought we could down the investment route. We didn’t understand it. Now we are about to secure our 2nd property and go for a 3rd…”

Bianca Carlino

Small Business Owner Using Property To Diversify

“I’ve never worked with anyone who cares as much about their clients, it’s not just a one off transaction. It’s a partnership”

Shaye & Jake

Used Equity to Purchase Their Investment Property
“We’ve been able to future proof our lives, while living the way we want to”

Arshad Zacky

Leading Buyers Agent Specialising In Investments
“He’s not just a broker, he’s a property and lending strategist who has helped our clients break through and achieve their goals”

Rachelle & Nathan

Bought Their Family Home And Building Equity
“Other brokers said come back in 12 months when you have more money. Imtiyaz helped us prioritise our needs and we had our first home in 2 months”

Arianna

First Time Investor Secured Property Under Market Value
“Helped me consider the future growth of the property and how it fit into my long term plans”

Sarah & Ben

Built Equity & Made Their Dreams Come True
“We achieved our dream come true of going to Europe…and setting ourselves up for the future at the same time”  

You've Made It This Far You Must Be Curious.

What we offer

Our Services

Home Loans

From helping first home buyers, to refinancing existing loans and everything in between. We help with all the finance you need to buy your dream home.

Investment Loans

Whether you're a seasoned investor, or it's your first investment property, we can help you access a variety of options that fit your investment needs.

SMSF Loans

If you're looking to buy property in your self managed super fund we can assist with strategic advice for residential and commercial purchases

Refinancing

Want to make improvements to your existing property and tap into your equity to do it? We can help with refinancing and new mortgages.

First home buyers

Buying your first home is both exciting and scary! We take the stress out of finding the right loan for you with a personalised service for first home buyers.

Pro-active reviews

Unlike other brokers, we regularly review our clients loans to ensure they are still competitive in the market with pricing reviews when we see the market changing.

ABOUT

Imtiyaz Rather

QPIA, MBA, Dip Mortgage Broking
Ok let’s get the awkward part out of the way first. My name is pronounced exactly how it is spelt. Or to make it easier im-tee-yaz.

Now that’s out of the way! Hack Mortgages was founded on my simple belief that the property ladder should be accessible to anyone.

No matter how much you earn, what school you went to, or anything else, you should have access to experts who can help. There’s no dumb questions, just smart solutions. I’ve spent the better part of the last decade investing, learning and fine tuning the best way forward so you don’t have to.
ABOUT

Imtiyaz Rather

QPIA, MBA, Dip Mortgage Broking
Ok let’s get the awkward part out of the way first. My name is pronounced exactly how it is spelt. Or to make it easier im-tee-yaz.

Now that’s out of the way! Hack Mortgages was founded on my simple belief that the property ladder should be accessible to anyone.

No matter how much you earn, what school you went to, or anything else, you should have access to experts who can help. There’s no dumb questions, just smart solutions. I’ve spent the better part of the last decade investing, learning and fine tuning the best way forward so you don’t have to.

Are You Facing Any Of These Problems?

Struggling to Find Your Mortgage Unicorn? Discover Why Specialisation Matters.

With over 19,000 Mortgage Brokers in Australia, finding the perfect fit can be overwhelming. But here’s the secret: specialisation is key. Those who claim to handle everything may not excel in anything. A brain surgeon wouldn’t do a heart operation.

We specialise exclusively in residential lending and proudly stand among the elite 17 Mortgage Broking Businesses recognised as Qualified Property Investment Advisors.

Confused About the Home Buying Process? Let Us Be Your Guiding Light
Navigating the home buying journey can feel like wading through a maze of brokers, banks, conveyancers, and real estate agents. We take the reins, providing clarity on what lies ahead and connecting you with trusted experts to streamline the process. With regular updates and our expert coordination, you can kick back and relax while we handle the details.  
Curious About Getting Started in Property but Unsure On How Much You Need?
You don’t need a hefty 20% deposit to enter the property market. In fact, you can venture into investment properties with as little as a 7% deposit or secure your place of residence with just 2%.

Options like leveraging existing equity or guarantor loans can help you secure a property with zero dollars out of pocket
Looking for the Lowest Rate? It May be Your Biggest Mistake
Ever considered that the lowest rate might not always be your best bet? Chasing a lower rate could actually lead to financial loss. Our in-house lending framework prioritises finding the right lender at the right time to help you build wealth strategically—not just fixating on a percentage on paper.  
Stuck Between Buying a Home and Investing? Unlock Your Property Goals Here.
The decision between buying a home and investing could define your property journey. It’s not just a transaction—it’s a rollercoaster of emotions. By delving into your future aspirations, whether it’s 5, 10, or 20 years down the road, we can guide you toward the path that aligns with your dreams.  
Navigating Property And Taxes? Let Us Simplify the Complexities for You.

Tax can baffle even seasoned accountants, let alone the average person. While property offers significant tax advantages, many investors lose sight of their goals in pursuit of tax savings. Would you spend $10 to save $3?

Paying tax means you’re making money, which is a positive sign. Let us put you in the best position to grow and strategically minimise your tax via education and our partners.

Questions ?

Frequently Asked Questions

It is a designation from the Property Investment Professionals of Australia (PIPA). It signifies expertise in property investment advice, ensuring clients receive specialised guidance tailored to their investment goals. QPIA’s must also uphold PIPA’s code of conduct. Currently there are less than 20 QPIA accredited mortgage brokers. 😊

Long answer short: the one you can stick to that supports your long term goals. Tactics such as debt recycling, negative/positive gearing, manufacturing equity can all yield great results. The best thing to do is book a free strategy session and get some clarity.

Between brokers and banks a total of 40% of home loan applications are declined. Our systems and processes are built to maximise your chance of approval first time.

Definitely! We are fully digital so we can work toward your property goals while you are in your PJ’s.

 

We have helped many first home buyers achieve their property drea. Scroll up and hear directly from Rachelle and Nath or Arianna who were both first time buyers.

There’s no broker bias here. Believe it or not, there is times where it IS better to apply direct. I have sent potential clients directly to lenders when it is in there best interest. But you should always have a chat with a trusted broker first.

Of course! Most people looking to buy their place of residence either won't stay there forever or are looking to build equity in it to use at a later date. Having someone to work by your side to identify any risks and future proof your strategy can only be a good thing as one mistake in the set up can set you back significantly.

  • Understand your goals - We’ll take the time to understand your unique situation, goals and put together a tailored strategy.
  • Provide you with the right lender - We’ll research the 4000+ loan options and provide you with the right lender for your unique situation.
  • Get it sorted for you - Once yougive us the go ahead we will do the legwork to get it lodged, approved and settled.
  • Help you save - We’ll stay in touch through through our 'aftercare program' to make sure that you still have the right loan as your situation changes (and try to save you money along the way!).

Let Us Handle the 4000+ loans available, custom strategy and navigating risk while you focus on building wealth

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Credit License: 377294 | Credit Rep: ​544781

Hack Mortgages recognises and pays our respects to the First Nations peoples across this country, whose lands were never ceded and remain important to the living First Nations peoples today. In particular we would like to acknowledge Kaurna Yarta Miyurna First Nations Peoples and their ancestral lands on which our office is located.

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