"Experts in credit advice" is how our founder John Macalyk described AAA Mortgages when he established it in Sydney in 1988, and it still governs how we operate. The advice comes before the application. The relationship comes before the transaction. And neither ends when the loan settles. This page explains what that looks like in practice, because how a lending advisor works tells you more than anything they say about themselves.
You take on the debt. We advise you.
Every engagement starts from your whole picture, not a product:
• Your income
• Your entities
• Your assets
• Where you are trying to get to, considered together before any application exists
That order matters, because the structure decided at the start determines what you can do for years afterwards. You are the one taking on the debt, so you stay informed and in control of it the whole way through. Our job is to make sure the advice deserves that trust.
First conversation to settlement, and well past it
01.
A personal response, within two hours
You will hear back within two business hours with a personal response, not an auto-reply, and not a call-centre callback.
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02.
The whole picture, then the strategy
The first conversation covers where you are and where you are going: income, entities, assets, timeline. From that we advise on structure and lender fit before anything is lodged, because a considered strategy at the start beats a fast application into the wrong place every time.
03.
The application, run properly
We build the application the way a credit team needs to read it, manage the lender, and keep you informed at every stage. You will always know where the deal is up to, what happens next, and who is accountable for it. That is us.
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04.
Settlement is a milestone, not the end
The facility gets reviewed as markets move and your position changes. We mark your loan anniversaries, and we stay across what the next move needs before you need it. Our longest-standing clients measure the relationship in decades, not transactions.
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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. ​
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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!​
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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.
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Sam Bush​​​​