Welcome to Mortgage Fastrack


Illawarra and Nowra’s leading Mortgage Brokers since 1999


We provide home loans and finance options to Nowra, Wollongong, Illawarra, Shellharbour, Kangaroo Valley, Kiama and surrounding areas


Our Services include:

  • Home Loans
  • Debt Consolidation
  • Equipment Finance
  • Personal Loans
  • Car Finance
  • Bridging Loans
  • Investment Loans and much more


We can assist you wherever you are based so call us today


02 4465 1032


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It takes time to establish a business and it takes good business practice to establish a range of product options that help service the finance needs of a multiplicity of clients.

Welcome to Mortgage Fastrack who has been helping people with finance solutions in the Wollongong and Illawarra area since it was established in 1999. Mortgage brokers now write just over half of all new loans placed in Australia, did you know that home loans offered by an individual bank branch may not be entirely suitable for you or they may not be the most competitive option on the market? That’s why you should use a mortgage broker rather than go directly to a bank, because you are only limited to what the bank can offer.

John Hartney the founder is accredited with over 30 of Australia’s leading finance institutions including the major banks and leading non-branch lenders, this gives Mortgage Fastrack the opportunity to search multiple lenders and many hundreds of products which enables us to show you a shortlisted comparison fact sheet of Australia’s best market leading rates, features and benefits.

We tick all the boxes on being able to provide multiple finance options, such as:

  • Home loans
  • Investment loans
  • Bridging loans
  • Property loans
  • Home renovation loans
  • Debt consolidation loans
  • Lines of credit
  • Start-up business loans
  • Equipment finance
  • Commercial property loans
  • Best car finance deals
  • Loans for first home buyers
  • Reverse Mortgage lenders
  • Second mortgage lenders
  • Personal loans….and more.


Bring us the problem and we will provide the solution

  • Understand your needs

We find out what’s important to you, what your goals are and what your circumstances are today.

  • Work out your borrowing power

Although we have a Mortgage repayment calculator on our site we will calculate how much you can borrow and how much you can comfortably afford to repay.

  • We manage the process for you

We will prepare all of the paperwork and manage the steps through the entire process.



Frequently Asked Question

What is Lenders’ Mortgage Insurance (LMI)?

This option can help you buy your home sooner, if you have a smaller deposit. It’s a one-off cost that’s added to your home loan (so you don’t have to pay anything upfront) and allows you to borrow more than 80% of the value of the property for standard home loans, or around 60% of the property value for Low Doc Home Loans.

What is the difference between a fixed rate loan and a variable loan?

Fixed rate home loans have interest rates and loan repayments that remain the same for an agreed period of time, and then at the end of the term, it reverts to a variable rate. 

A variable rate home loan has an interest rate that can move up and down according to fluctuations in the housing market. A fixed rate is worth considering if you want the certainty of knowing what your repayments will be and therefore help you budget.

Can I switch between a fixed rate and a variable rate?

Yes. You can change from a fixed rate to a variable rate, or vice versa, at any time. If you switch from a fixed rate loan, you may pay an administration and early repayment cost.

If the loan runs to the end of a fixed rate period your loan will automatically move to the lender’s variable rate (at no cost), or you can switch to another fixed period loan.

What is a Comparison Rate?

A Comparison Rate reflects some of the costs of a loan that are factored into a single interest rate. The purpose of the Comparison Rate is to help you make a more informed decision on the costs associated with a loan, and help you to compare various loans and services offered by any financial institution or mortgage provider. 


What is the difference between a ‘Principal and Interest’ Home Loan and an Interest-only Home Loan?

A principal and interest home loan is where the principal repayment and the interest are repaid together throughout the term of the loan. Whereas an ‘interest only’ loan allows you to pay only the interest on the loan for a certain period of time.  The terms vary with lenders, if you live in your home, you can have an interest only period of up to 10 years, however if you have an investment home loan, you have up to 15 years to pay interest only, after that period you need to pay Principal and Interest for the remainder of the loan.

What is Loan to Valuation Ratio (LVR)?

The loan to valuation ratio is simply the loan amount divided by the value of your property. You are required to have lenders mortgage insurance if the LVR is more than 80% of the value of the property.

What is a Debt Consolidation Loan?

Debt consolidation allows you to combine all your loans into one. It can give you an option to reduce your interest rates and fees, thereby giving you a way to get yourself out of debt. If you choose to consolidate your debt, you’ll have one loan repayment to worry about rather than several.


If you have any other questions call John Hartney on 0412 661 188


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