Sapphire Mortgage Services is a fully accredited mortgage originator offering owner occupied, investment and commercial property loans.

Our aim is to provide property loans in a friendly helpful way backed up with advice and exceptional customer service along with competitive rates and features that will maximize the savings you can achieve on your loan.

How are we able to offer such competitive interest rates?

Sapphire Mortgage Services derives its funds from a source called National Mortgage Market Corporation, which is a wholly owned subsidiary of Bendigo Bank. National Mortgage Market Corporation (NMMC) specializes in mortgage origination, management and securitization (the parceling together of mortgages before distribution into the wholesale market). Through this source we are able to offer home loans, investment property loans, construction loans and commercial loans at very low standard variable rates and fixed rates.

While low interest rates are essential to saving money there are many other key factors which contribute to the cost saving and flexibility features of the loan.

Many Sapphire loans have all the important features such as no ongoing account keeping fees, unlimited redraws at no charge and with no minimum limit, ability to fix and split and flexible repayment options.

We also firmly believe that the quality of service and advice offered by the lender is very important. In fact that’s where we believe you’ll really notice the difference with Sapphire Mortgage Services.

Although initially you may think of Sapphire Mortgage Services as a mortgage broker we are in fact a fully accredited mortgage originator. As a mortgage originator we have a direct link with the lending institution. We process all the application from start to acceptance unlike many brokers who simply pass the application on. We can help you prepare the application. We have better knowledge. We don’t have hidden charges often applied by a broker to make his money.

Again unlike most banks and brokers we keep in touch with you through the life of the loan and regularly advise you of ways to save money, pay off your loan faster or use the equity you have built in your property to finance additional property purchases.