Veteran owned & operated
Duty First Mortgages is a veteran-owned Australian mortgage broker. We specialise in home loans for Defence members and veterans, including DHOAS, and for police, firefighters, paramedics, nurses and doctors. Founded by an ADF veteran, Queensland-based and lending Australia-wide.
Our home loan service costs you nothing. Brokers are paid by the lender on settlement.
a panel of 75 lenders, one conversation
Lender logos shown are a sample of the panel. Accreditations current at October 2026.
What we do
Whatever the goal, we'll map the route and walk it with you. Every loan starts with a conversation, not a form.
You serve. We've served.
Serving or ex-ADF? We specialise in Defence Home Ownership Assistance Scheme (DHOAS) loans, because we've lived it.
Police, fire, ambulance, nurses or doctors? Some lenders will lend you more, skip lenders mortgage insurance or pay you cash back. We know who's offering what.
From your very first place, with the grants and the 5% deposit scheme worked out for you, to a better deal on the one you have, we guide you step by step in plain English.
Building wealth or building a home, we structure the lending to match the plan, progress payments included.
Owe the ATO? We help roll tax debt, credit cards and personal loans into one repayment, and give your budget room to breathe again.
Premises, equipment or working capital, finance that backs your business plans.
Business premises inside your super. Since 10 August 2026 a new SMSF loan can only buy business real property, and we work with lenders who understand the structure.
Quick, straightforward finance for the car, the caravan or life's in-betweens.
¿Prefiere hablar en español? Atendemos a nuestros clientes en inglés y español, desde la primera charla hasta la liquidación. Bilingual service, start to settlement. Spanish speaking mortgage broker (servicio en español).
Why a broker
One conversation opens up options across banks and lenders Australia-wide, and we'll search for the best rate available to you.
Paperwork, lender chasing, follow-ups and deadlines, all handled. You get your evenings back.
Advice built around your goals, your timeline and your situation, not one bank's products. The loan should fit your life, not the other way around.
On a home loan we're paid by the lender on settlement, with no hidden fees. If a fee ever applied, we'd tell you and agree it in writing first.
After settlement
With a bank, you get a loan. With us, you get someone in your corner for the life of it.
We check in at 3 months, 6 months and a year after settlement, and help you manage your loan for as long as you have it.
Questions or issues with your loan come straight to us, not a bank call centre, and we'll help you get them sorted.
We keep your details on file, so when life changes or you're ready for your next loan, applying is quicker and easier.
Looking at a home, or curious about your own? Ask us for a property report, at no cost to you.
Our process
You'll always know exactly where things are at. Here's how we get you from "thinking about it" to keys in hand.
Over a call or a coffee, whatever suits you. We get to know you, your goals and what matters most.
Share your details and documents through our secure portal. Easy, safe and sorted in one sitting.
We search a panel of 75 lenders and bring back a shortlist that genuinely fits your situation.
We package your application properly the first time and submit it to your chosen lender.
We track your application daily, answer the lender's questions and keep you posted the whole way.
We help you review and sign your loan documents and coordinate with everyone involved.
You get the keys, and we don't disappear. We check in every six months to make sure your loan still fits.
Calculators
Twelve free calculators to explore your options before we chat. Play with the numbers as much as you like.
Free tools, no sign-up.
Reviews
Real feedback from real settlements.
5.0 stars from 25 Google reviews Read them on Google
“Jason provided a fantastic service throughout the mortgage process. His small, attentive approach made everything easy and stress-free. Highly recommend Jason for anyone looking for a knowledgeable and genuinely helpful mortgage broker.”
“Jason helped me refinance three seperate mortgages and he couldn’t have made the process any easier. Always happy to answer any questions and I had no problems from start to finish. Highly recommend.”
“Jason made the entire loan process simple and easy! I couldn’t recommend him highly enough…. Honestly. Would highly recommend him for your loan brokerage especially if you’re not familiar with the process.”
“Jason was super personal, easy to work with, and made the whole process feel straightforward from start to finish. Always responsive, transparent, and genuinely cared about getting the best outcome possible. Highly recommend to anyone wanting someone reliable and hardworking in their corner.”
“Contacted Jason for help with a home loan. Jason provided us with an online form which we used to submit all our details. It was quick and hassle free and Jason got back to us the same day, with all the information we needed. We can now begin house hunting knowing exactly what our budget is. We couldn't be happier.…”
Latest updates
Short, useful reads on the market, lending and making your money work harder.
NextGen says home loan applications that used open banking were approved about 11% faster last financial year, and up to 21% faster for refinances. Almost 120,000 people…
Read more: Open banking can get your loan approved faster
Served in the ADF? Here is an example. On a $750,000 refinance at DHOAS Tier 3, Defence pays about $1,000 a month in subsidy, and it goes straight to your lender. Keep…
Read more: DHOAS could take years off your home loan
Every file gets the same treatment. We read every payslip and statement, test your numbers across lenders, and look for problems before a bank finds them. Then we write…
Read more: What happens before your loan reaches a bank
Free mortgage health check
Life moves, and so does the market. A free mortgage health check takes one relaxed chat, and it costs you nothing.
Veteran owned & operated
Duty First Mortgages was started by an Australian Defence Force veteran. The name isn't a slogan, it's how we work: turn up, do the job properly, look after your people. That's what your home loan gets too.
Queensland-based and lending Australia-wide, in English y español. No pressure, no jargon, just an honest conversation about what's possible.
