Who we help
Professionals & HNW borrowers
Complex income, serious portfolios and no time to chase a lender. Lending advice built around your whole picture, handled by one senior point of contact.
Developers & construction clients
One advisor across the whole project, from the site you have not bought yet through construction, residual stock and buyer settlement.
Business owners & investors
When the business, the entities and the property all borrow together, the structure matters more than the loan. We advise across all of it.
Not sure where you fit? See who else we work with.
What makes AAA different
01.
INDEPENDANT SINCE 1988
One of the longest-standing brokerages of its kind, family-run across two generations, and still independent.
02.
COMPLEX LENDING SPECIALISTS
AAA was a commercial house before it ever wrote a home loan. The scenarios other brokers refer away are the ones this firm was built on.
03.
WHOLE-OF-DEAL CONTINUITY
We come in before the deal exists and stay past settlement. Structure first, lender second, and the facility reviewed as your position changes. One advisor across all of it.
04.
EXPERTS IN CREDIT ADVICE
Advice recognised by the industry's peak body: MFAA full members, a founder awarded MFAA Life Membership, and a Managing Director elected to its board. Expert credit advice, independently accredited, at every level of the firm.
What we do
Residential & HNW lending
Purchase, refinance and portfolio lending for complex incomes, multiple entities and loan sizes that need private banking access.
Commercial SMSF lending
Commercial property through super, structured correctly from the start, plus refinances of existing SMSF facilities.
Commercial
property
Offices, retail, industrial and mixed-use, for business owners buying their premises and investors building portfolios.
Mid-market & business funding
Non-property debt and private credit for $5M to $50M+ transactions that have outgrown bank appetite.
Construction & development
Full-lifecycle funding for projects, from site acquisition through the capital stack to residual stock and buyer finance.
Our lending partners
Accredited across banks, non-bank lenders and private credit. More than forty lenders, one considered recommendation.
How it's structured
Recent scenarios, anonymised but real: what the client came with, what made it complex, and how it was structured. This is what advisory-led lending looks like in practice.
LOAN TYPE · STATE
$ SIZE
Complexity: [TBC: what made it hard]
Outcome: [TBC: how it was structured and resolved]
LOAN TYPE · STATE
$ SIZE
Complexity: [TBC: what made it hard]
Outcome: [TBC: how it was structured and resolved]
SMSF · QLD
SMSF · QLD
Business owners purchasing their commercial premises through an SMSF. Lease expired, vendor deadline imminent. Previous lender unable to move in time.
Approved and settled on deadline
What people say about us
This is the second time that my husband and I have used AAA for our needs. The service is thorough, professional and met all of our requirements. Melissa is an exceptional woman in the Finance Industry - smart, full of integrity and makes the impossible happen. You’ve got our business.
Jody Harper
I have had dealings with AAA now on two separate occasions a number of years apart and found their process and assistance at the highest level.They deal with highly reputable banks and offer very competitive interest rates. They really work on the clients behalf. I highly recommend them if you are looking for a highly competitive mortgage.
Monique helped my wife and I with our investment purchase and we could not recommend her enough! She kept us informed the whole time and made the process simple. Thank you again to Monique and the AAA Mortgages team for their hard work and getting us a great result!
Terry
World class professionals - easily the best I’ve worked with - Melissa used her creativity, problem solving and sheer hard work and persistence to find solutions to get the best loans - would recommend to my closest family.
Sam Bush
Nearly four decades of excellence in tailored lending
AAA Mortgages has been a multi-award-winning brokerage since 1988, recognised for excellence across residential and commercial lending, and still family-run. Nearly four decades in, the standard has not moved.
