Mortgage Choice Ignite: Real home loans for real people

Traditional lenders have recently tightened their lending policies, leaving many Australians struggling to secure a home loan to make their homeownership dreams a reality.

This is where our purpose built Ignite product range comes in. Our goal is to provide you with a custom-built solution for your unique home loan needs, and we work closely with you to make it happen.

Why choose an Ignite home loan?

Specialist loans for the self-employed

We work with you to repair bad credit history

Fast approval

We take into account life-changing moments that may impact your application

Your application is assessed by real people, not a machine algorithm

We take the time to understand you

Talk to a broker today to find out more

Why use a broker

We do all the legwork

From comparing home loan options to supporting you through to settlement, your mortgage broker does all the running around.

Convenience

Hectic lifestyles don’t leave time for long daytime meetings at the bank. Meet us at the time and place that suits you, including after work.

Local experts

Our network of local home loan expert spans across Australia so no matter where you live a friendly broker is never too far away.

Three choices to suit your needs

Ignite Prime Home Loan

The Mortgage Choice Ignite Prime Home Loan is designed for people who want a ﬂexible home loan solution with a fully transactional oﬀset account that lets you use your income to reduce interest payments. The loan is available as Full Doc or Alt Doc.

Available for purchase, refinance or construction of owner occupied and investment properties (including vacant land). The Ignite Prime Home Loan also allows debt consolidation of up to 4 debts and cash out for acceptable personal purposes (excluding construction loans).

Ignite Near Prime Home Loan

The Mortgage Choice Ignite Near Prime Home Loan is designed for people who are on the cusp of Prime and may have had a life event that led to credit impairment.

The Near Prime loan provides a ﬂexible home loan solution with a fully transactional oﬀset account that lets you use your income to reduce interest payments. The loan is available for applicants with Full Documentation or Alternate Documentation (i.e Low Doc).

Available for purchase or refinance of owner occupied and investment properties (including vacant land on Full Doc). The Ignite Near Prime Home Loan also allows unlimited debt consolidation, (including payout of ATO debt), and cash out for acceptable purposes including renovations and business use.

Ignite Assist Home Loan

The Mortgage Choice Ignite Assist Home Loan is designed for people who may have had a life event that led to credit impairment within the past two years or have had short term self-employment, from 6 months under the Alt Doc product.

The Assist loan provides a ﬂexible home loan solution with a fully transactional oﬀset account that lets you use your income to reduce interest payments. The loan is available as Full Doc or Alt Doc.

Available for purchase or refinance of owner occupied and investment properties. The Ignite Assist Home Loan also allows unlimited debt consolidation, (including payout of ATO debt), and cash out for acceptable purposes including renovations and business use.

Talk to a Mortgage Choice expert

Find an Expert

8/10 of our customers would recommend us

We've helped thousands of Aussies with their property goals

"“The entire process was very positive. Our broker and his team were friendly and personable, knowledgeable and efficient. Upon booking their initial appointment""

Lenka - Upgrader
Gold Coast, QLD

"They did all the legwork for us when the time came to submit our loan, which meant that once we gave him our paperwork we didn’t have to worry about a thing!"

Hilary Nanopoulos - First home buyer
Melbourne, VIC

"It's so helpful to have an expert you can call on. I believe my broker’s advice reduced the hassle factor and thousands of dollars when the time came to purchase my investment property. She took away all the worries I had about securing the right loan with the right lender"

Sarah - Investor
Melbourne, VIC

"I’m so grateful we had Mortgage Choice helping us secure our new family home"

Patricia Johnson - Upgraders
Perth, WA

"The help our broker provided was amazing. I don’t know how many times we asked the same questions but he never made us feel like any questions were silly. He even took the time to explain our home loan to our parents. I have already recommended Mortgage Choice to my friends - I am just so happy with the way things turned out for us."

Ashleigh Dodds - First home buyer
Melbourne, VIC

"After all these years it feels like my Mortgage Choice broker is partnering with me in my property purchases. He is very on the ball and encouraging, and I’m extremely comfortable working with him. I have no hesitation in recommending Mortgage Choice to anyone. Our broker is always very responsive and happy to clarify anything I’m not sure about. And I’m completely confident that he always makes recommendations with my best interests at heart."

Jenni Austin - Property investor
Heidelberg Heights, VIC

"In mid-2017 we needed to upgrade our car, so I got back in touch with our Mortgage Choice broker. She gave us good advice on how to get our finances in order to be in the best possible financial position to apply for a loan. She also talked us through the various finance options and crunched the numbers to show how using home equity was a more affordable way for us to fund the car rather than using a car loan."

B. Barrie - Refinancer
Lockrose, QLD