Veteran owned & operated
Duty First Mortgages is a veteran-owned brokerage with a panel of 75 lenders, Queensland-based and lending Australia-wide. Plain-English guidance from the first chat to settlement, and every step after.
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 July 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.
Served or serving? You may be entitled to benefits you don't know about. We specialise in DHOAS home loans and understand Defence life, postings, deployments and all, because we've lived it. We are accredited with an approved DHOAS home loan provider, so your DHOAS application can be lodged through us. Buying your first home in uniform, or living on a DVA pension or military super? We help with both.
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).
Specialists in DHOAS and Defence home loans, construction and new build loans, members buying while posted, pilots, cabin crew and shift workers, Sunshine Coast buyers, refinancing ATO tax debt, first home buyers, ADF first home buyers, veterans on a DVA pension and Spanish speaking clients. Serving or ex-ADF? Estimate your DHOAS subsidy in a minute.
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.
Your goals, your timeline, your situation. 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.
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 21 Google reviews Read them on Google
“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.”
“Jason from Duty First Mortgages was absolutely outstanding! His speed, communication, professionalism, and knowledge were second to none. He made the entire process smooth and stress-free, explaining everything clearly and ensuring I always felt informed and confident in each step. It’s rare to find someone so…”
“We recently refinanced with Jason from Duty First Mortgages and we couldn't be happier with the service! Jason was very professional and punctual and kept us up to date every step of the way. It made the process stress free and got us a very competitive rate. Highly recommend using duty first mortgages.”
“We’ve had a wonderful experience with our mortgage broker Jason and can’t thank him enough for all the hard work he’s put in. We were feeling defeated but he made us realise our dream of owning a home was still possible. He was so quick to respond to our communications and was happy to answer any questions and clearly…”
“Jason goes above and beyond for his clients. From the initial consultation to the final approval, he treats every stage with care, professionalism, and clear communication. I highly recommend him to anyone seeking a trustworthy and dedicated mortgage professional.”
Latest updates
Short, useful reads on the market, lending and making your money work harder.
Cranes are back on the skyline. Here's what the next wave of stock could mean for your buying plans.
Read more about Brisbane's new housing supply
From slab to keys, your lender pays the builder in stages. We break down each draw in plain English.
Read more about construction loan progress payments
If your loan is more than two years old, it's worth a look. These are the signals we watch for.
Read more about home loan health check signs
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.
