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Take charge of your finances with AAA Mortgages

Since 1988 we have assisted thousands of Australians with their residential and commercial loans.

Getting your perfect home loan

Commercial property finance made easy

Investing your SMSF in property

Refinancing your existing loan

Headshot of AAA Mortgage's founder and Managing Director, John Macalyk

Experience is Everything

Efficient and Uncomplicated Financial Service


'AAA' Mortgages are experts in credit advice. We have worked with thousands of Home, Business and Commercial Property Owners since opening doors in 1988.

We have settled over $2.84 billion dollars in loans since our commencement in 1988 and among our successes, saw 2018 as our 30th year in business. 


Our Managing Director John Macalyk has been a finance broker for over 35 years. He is a pioneer of the Mortgage Broking industry.

We are driven to ensure you achieve the outcome you need. 'AAA' Mortgages has excellent relationships with over 80 lenders including banks, investment funds and private lenders.


Over 30 Years of Experience

Over $2.84 Billion Dollars in Loans Settled

Unrivalled knowledge

Refinancing: Now is the Time to Get a Lower Rate

No query is too small or too big, let us provide you with all available options.

We offer: New purchase, refinance, rate comparison and loan assessment for your home or investment property.

We specialise in bank and non-bank loans for those looking for:


Competitive Rates

Cash out/ Equity Release

Company/ Self Employed and PAYG borrowers.     

Get in Touch Today

Expert Advice, Obligation Free.

Commercial Mortgages

Best Product Guaranteed

At 'AAA' Mortgages you'll have one contact person who represents your interests to over 80 Australian Commercial Mortgage Lenders.

Rates from 2.30%

LVR to 85%

Terms up to 25 years.

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Private Loans

We Get You Across The Line.

Who Can Use Private Funds?

Any individual or registered company.

Contact us to look into a private loan if you:

Need urgent funding

Have an ATO debt

Need to Refinance an existing caveat loan

Be developing and need to complete a project

Are credit impaired

Equity Release - Reverse Mortgages

Explore Your Options

Use the equity in your home and live in your home for as long as you wish, continuing to enjoy the benefits of your community, social network, and family memories.

You also benefit from any potential increase in the property value.

No Upfront Fees

No Valuation Cost

No Establishment Fee

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The AAA Mortgages Blog

We offer financial tips an tricks as well as takes on current news

Service and Experience

Get Results.


Save money by receiving the best financing terms available.


Our service caters towards getting our clients the best terms available on the market.


We have a 99% success rate. We reply to all queries via phone and/or email 7 days a week within 20 minutes.

Five Star Service

Hear From Our Clients

Darren Tye

I have used AAA for several re-finances and am always impressed by how responsive and professional they are. They are great at 'making things happen' and other players in the industry seem like amateurs in comparison.


Excellent communication and advice. With Ollie's attention to detail and industry knowledge we were able to achieve the desired outcome smoothly and stress free. 

Sandi Duffy

John and the team were great to deal with. The customer service and regular updates were fantastic! I would highly recommend AAA Mortgages to my friends and family.

COVID-19 Update: Business as Usual 

While many aspects of our lives have changed in the face of COVID19, 'AAA' Mortgages is still at full operating capacity. We understand that in this time of great economic uncertainty you'll need our guidance more than ever - so we're extending our services to WhatsApp, Facetime and Skype to maintain "face-to-face" contact. Email us to get in touch.