‘AAA’ has been doing home loans for over 30 years. We have access to over 100 lenders and shop to find the right product for your needs.


‘AAA’ Mortgages is your one stop shop for all your financial needs.

Working for thousands of home and business owners for over 30 years, John Macalyk and his team have the expertise, experience and energy to get you the results you need.

Whether you be a first home owner, investor, business owner or developer, ‘AAA’ have access and strong relationships with over 100 bank and non bank lenders which is unparalleled to other brokers in the industry.

We understand your needs and offer one point of contact. You can trust our know how and advice on all your credit requirements.

Home Loans


At ‘AAA’ we can get you a great rate, saving you thousands each year. To start we have a  friendly phone call, or chat in person, and get to know your financial needs. Are you a first home owner? Investor? Looking to refinance?

We then discuss your loan particulars, and pending this, will ask for particular financial information, remember each lender has different requirements.

This might be a pay slip, tax return, bank statement, a letter from an accountant or employer.

We then scour our database and contact the lenders we think best suit your credit needs.

We submit your loan to them and wait 48 hours for an approval – unlike other brokers and often the big four banks, we have such good relationships with our lending panels that we can get approval quickly and get you into your home faster.

How we can offer you a Free Service….

AAA’ has been Opening Doors for Home & Business Owners Since 1988.

We know what we are doing and we know how to set you up with the best financial product for your needs.

In return, we have an agreement with over 80 lenders throughout Australia, where they pay us… You do not pay a higher rate for this service, instead, the lender usurps it as part of their costing.

We do the shopping for – we will do our due diligence with all our lenders and provide you with a quote. Try us on for size. Obtain an obligation free quote- and go back to your current lender and see if they can beat it… When they are unable to we work with you to ensure a smooth transition to a new funder whose product is more aligned with your financial needs.

Contact Us Now. (click here) for an obligation free quote.



To Switch or Not to Switch? That Is THE Question….

Refinancing your Home or Investment loan can bring down your monthly commitments and save you large amounts over the life of your loan.

Being ready for the switch is something that all owners should be preparing for preferably six months out at a minimum, but we know this is not always the case.

Investor rates have been increasing rapidly and those of us on fixed rate investor loans should be thinking ahead and preparing to go elsewhere when these terms expire.

To maximise your options and archive the best outcome it is important to make sure you:

  • Don’t miss any loan payments in the six months prior to switching
  • Pay down, cancel or clear any existing credit cards if you can
  • Avoid or plan to delay any major purchases where borrowed funds are necessary (cars or interest free purchases)
  • Make sure your council rates are up to date

We do not recommend switching if you have settled your loan within a 12 month period. This often raises questions with funders and may adversely affect your credit rating. We are happy to provide you with you and/or your partners rating. ‘AAA’ do the shopping for you. If you try multiple lenders, each time they will perform a credit check- each credit check performed will reduce your credit rating. Your credit rating forms part of the assessment process for your loan approval.

Here at ‘AAA’ we have investor friendly packages and far lower rates than the big four across a range of lenders for small business owners and salaried clients alike. Switching can be very easy with the right plan and guidance and very often there are additional perks on offer to borrowers with good history.

If you would like to discuss your plan for a switch and how to prepare in more detail please contact me any time.


Ollie Lum

Home Loan Specialist

Ph: 02 9299 1144

Mobile: 0422 164 377

Email: Ollie@aaamortgages.com.au