Welcome to Mates Rates Home Loans. We provide Sydney and Australia with great home loan rates and personal service for all types of home loans.

Darren Thomas is focussed on Low Rates, Low Fees and personal service

Mates Rates Home Loans (MRHL) is able to provide you with an extensive range of Home Loan / Mortgage products and home loans that come with our LOWEST RATE guarantee.* Due to our extensive network and mortgage finance experience we are able to provide you with a personal service and the best available rates currently available in the financial markets.

Our focus is on personal attention and traditional service. We understand that you have the choice to arrange your new home financing with lenders such as rams home loans, wizard or any of the Australian giants such as ANZ, Westpac, NAB and Commonwealth bank.

We will be here to provide you with personal attention before, during and after you have moved into your new house and aim to help you establish your home.

WHY USE A MATES RATES KELLYVILLE FINANCE BROKER

1. Industry experts First and foremost, at MATES RATES Kellyville, all of our brokers are industry experts with the highest qualifications, vast experience and industry accreditations.  Whether your need is to purchase your first home, refinance your existing loan, purchase a home or investment property, or more complex loan structuring, you can rely on our expertise to source your finance appropriately.
   
   Unlike several other companies, we are not a franchise. Therefore, you can be assured that the broker you are dealing with today was not a used car salesman or bank teller the day before.


2. Wide range of home loans Besides MATES RATES Home Loans, we can also offer you an extensive range of loans from a variety of lenders, including both mainstream banks and non-banks.  Not being limited to a small number of options, we assure you that we will competitively source the best option for you and your circumstances.
   
   In addition to thorough knowledge of various loan products from different lenders, we utilise loan comparison modelling software which further calculates the true rate of the loan and especially matches product feature requirements. The best options are then presented and explained to you so you can make the most appropriate informed loan selection.
   
   We are also experienced in commercial and development finance and vehicle and equipment leasing.  We can also arrange loans for Self Managed Super Funds to purchase residential and commercial property given the recent change of legislation.


3. Save money Our interest is only to source the best loan for you. Our loan recommendations are not limited to one or two lenders like some other brokers nor governed by the amount of commission we receive from a lender. 
   
   Furthermore, we do not rely on gimmicks to win your business.  For example, we do not tempt you with a refund once a loan settles, for you to then discover you have not received a competitive interest rate.  While a refund may appear attractive, over the term of the loan this could potentially cost you tens of thousands.
   
   We investigate the true cost of your loan by calculating any upfront fees and ongoing charges and compare the true rate of the loan via the AAPR (average annual percentage rate).  At first, what may appear to be a good rate may not be that attractive once the fees and charges are taken into account.  We will help you interrupt the data and calculate the “true interest rate” of any loan.


4. Take the hassle out of the application process Let us do the homework of researching all the available loans, and then the legwork of getting to settlement.  Our attention to detail, systematic workflow model, and established relationships with and respect of the lenders give you the advantage of an efficient approval process.  If a lender is outside their Service Level Agreements, we act as your advocate to keep things moving.  We will also update you at every stage of the process.


5. Free of Charge Our service, for nearly all of our clients, is provided completely free of charge. We have no obligations or commitments to certain lenders and can offer you free and unbiased options. The banks pay us for your introductions, so it makes sense to take advantage of our free expert service. The only time we may charge a fee for our services is for certain applications like mandated commercial loans.


6. Award winners Our excellence as a finance brokerage has been encouragingly acknowledged by the Finance Industry with our office winning several awards including national sales awards both individually and as an office with a large national aggregator.


7. Confidentiality At MATES RATES Kellyville, we comply with the Privacy Act requirements to ensure that the protection of your personal and financial details is securely maintained.


8. Availability Importantly, we are available to assist you with any enquiries seven days a week. We will not ask you to leave a detailed message, place you on hold for extended periods, or transfer you from department to department.  We offer exceptional, personal ongoing service when you require it. Try asking your bank for this level of professional after-hours service.


9. Long term commitment to you We are not a brokerage who is only concerned with getting a commission for settling your loan. We are interested in developing a long term relationship with you. Not only we will update you throughout the entire loan process, we will help keep you current on important industry news, product information, and changes in market and economic conditions.  We supply this service to you free of charge via mail outs, email updates, seminars and conferences.
   
   We also annually review your loan structure and personal circumstances with you to ensure that you still have the most appropriate loan. Experience has shown that what was once the most competitive loan may not always be so for the entire term, whether through changes in your needs or the introduction of new products or special promotions offered periodically by other lenders.
   
   As we do not concentrate on large scale marketing of our business, what is important to us is that you get the best loan with an experience to match.  As a result we hope you will gladly refer us to your friends and family so that we can show them how to save money also.


10. Accreditation with Industry Bodies All MATES RATES Kellyville brokers are full members of and Accredited Mortgage Consultants with the Mortgage and Finance Association of Australia (MFAA), and members of the Finance and Brokers Association of Australia (FBAA) and the Credit Ombudsman Service Limited (COSL).
    
    As members of these bodies we must adhere to the industry Code of Practice which requires high professional standards, fair business practices, ethical behaviour and compliance with both the letter and spirit of the relevant laws and regulations, all in the interest of you, the borrower.


11. Associations with other professionals We can offer you introductions to trusted related professionals.  Our associates can assist you with financial planning, taxation information, accounting advice, legal counsel, conveyancing services, and real estate guidance.  We have built strong business relationships with several firms who provide consistent and reliable services to our customers and we are happy to recommend them to you.

Testimonies from our customers

Dear Darren & Ashley

We are writing to say thank you so very much for all of the help that you have given us with respect to the refinancing of our mortgage.
After a considerable amount of time spent looking at different lenders and their financial packages available we decided to go through a mortgage broker to make the process we hoped a bit easier. We were amazed that not only was the process a lot easier but the package you were able to offer us was fantastic. The interest rate was considerably lower than anything we were offered from any other lender and more importantly the service that both of you provided was exceptional.
We are very grateful to you for the smooth transition it has been of taking the big step of refinancing, as the outcome has made our life a lot easier financially which is paramount as parents to 3 young children.
Thank you again for the professional and friendly service you provided.
Kind regards
Neil & Trish
Quakers Hill

Mates Rates Home Loans in the Hills district of Sydney, NSW is located on the corner of Windsor and Acres Road in Kellyville

Our refurbished office is located on the corner of Windsor road and Acres road in Kellyville and is well situated for personal visits from our clients living in Baulkham Hills, Beaumont Hills, Bella Vista, Carlingford, Castle Hill, Cheltenham, Cherrybrook, Dural, Epping Galston, Glenhaven, Glenorie, Glenwood, Kellyville, Kellyville Ridge, Kenthurst, North Rocks, Pennant Hills, Round Corner, Rouse Hill, Thompsons Corner, West Pennant Hills and Winston Hills