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Welcome to Direct Mortgage Concepts (DMC)

Your Local Independent Mortgage Brokers

Direct Mortgage Concepts (DMC) is a Mortgage Broker and Mortgage Adviser based in Berowra in the Hornsby District in Sydney’s Upper North Shore.  This allows convenient and quick access to all parts of metropolitan Sydney and the Central Coast.  

We also offer our services both near and far having a number of valued clients across wider NSW, Australia and overseas.

We are fully accredited and insured, holding an Australian Credit License as well as being a member of the Mortgage and Finance Industry of Australia (MFAA).

At DMC we have been assisting First Home Buyers, Homeowners, and Investors with professional and reliable financial solutions to meet their needs since 1999.

Why Choose a Mortgage Broker?

If you're looking for a home loan most Banks will direct you to their product offering which most closely fits your needs; however they're not looking at the full picture and often you can find a better deal from one of their competitors.

Mortgage Brokers have access to a large panel of lenders and can provide you with access to a broader selection of loan products.  A DMC broker will carefully listen to what you say, and ask questions to ensure that the products they recommend to you are the most suitable options available at that point in time.

In years gone by this was something your local bank manager would do but nowadays your bank manager is either retired or as in the case of a DMC broker, still offering the same personal customer service.

we will show you the wayHow Does it Work?

1.  We meet with you, ask questions to determine what you are looking to do.  We find out what is important to you and what your goals are moving forward.

2.  Using what we have learned, we access our lender panel and the hundreds of loan options available to shortlist the most suitable product options on the market at the time.

3.  We present these options to you in simple, plain English terms allowing you to decide what you are comfortable with and how this choice will benefit you in the future.


4.  We collect all your details and supporting documents then present your application to the lender with a detailed loan submission explaining why your loan application should be approved.

5.  We manage the process keeping both you and your conveyancer informed along the way, from lodgement to and beyond settlement. 

6.   We remain in contact with you (softly) and review your choices to ensure that your loan product remains current and suitable for your ongoing needs.

Click here to view "The Purchase Process"

The DMC Difference

Direct Mortgage Concepts (DMC) is different.  

We are not owned by, or aligned with any financial institution.  We work for you and ensure that your needs are the most important part of finding the facility that delivers your goals.

In almost all cases, our service to you is entirely free.  Because we introduce you to the lender, they pay us a fee to cover our expenses and time meaning a win win situation for you.  Our fee is fully explained to you in our compliance documentation, and we are happy to discuss this with you if required.

At DMC we treat each client as an individual and not just a number.  So call today, and see the DMC difference for yourself.

"We work for you, NOT the bank"



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