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Australian Mortgage Specialists

Finance as smooth as your
morning coffee.

At Mocha Finance, we start by listening. Every client has a different story, different goals, and different circumstances - so we take the time to understand yours before we ever talk loans. Because this isn't just a loan. It's the foundation of what comes next.

40+ Lender Panel
8+ Years Experience
Complimentary Initial Consultation
Lightning-Fast Response Times Wait for your coffee, not your home loan.

Accredited with 40+ lenders across Australia

Commonwealth Bank ANZ Westpac NAB Macquarie ING St George Suncorp Bankwest + Many More

Every loan type. One trusted broker.

Whether you're stepping onto the property ladder or growing a portfolio, we have a solution tailored exactly to your situation.

40+ Lenders on our panel - always finding you finance options tailored to your circumstances
8+ Years of experience helping Australians with their finances
1 Dedicated Broker - who knows your story, and tailors everything to your needs

Finance done differently.

We don't just find you a loan - we build a lasting relationship. Like your favourite barista with your coffee order, we remember what matters most to you.

We Think in Years, Not Transactions

A single loan might be a one-off for most brokers. For us, it's the start of an ongoing relationship - one where we're still adding value when you're ready to invest, refinance, or help your kids buy their first home.

Lightning-Fast Response Times

We move at the speed your life requires. Our same business-day response times mean you'll receive real answers... when you need them most.

Complimentary to You

Our fee is paid by the lender, not you. You get expert advice, full market access, and complete application support - at no cost, with no catch.

Whole-of-Market Access

We compare 40+ lenders - majors, subsidiaries, regionals, and specialist lenders - to find a product that genuinely fits your needs, not just whatever's on the shelf.

Coffee with latte art being served at a café

That first-sip feeling, for your finances.

There's a moment - that first sip of your morning coffee - where everything slows down. You exhale. It just feels right. That's exactly how we want you to feel about your finances.

Mocha Finance was built on a simple belief: your home loan should be as smooth, satisfying, and stress-free as a perfectly brewed cup of coffee. We partner with some of Australia's finest cafés and community clubs because that's where real conversations happen.

Every time you pick up a coffee, we want that to be a quiet reminder - when was the last time my finances felt this good?

Café & corporate partnerships across Australia
Community sponsorships with local not-for-profit sporting clubs
A brand built on trust, clarity, and genuine client care

Meet Michael Gross

Founder & Principal Mortgage Broker

Michael founded Mocha Finance with a vision to make mortgage broking feel less like a transaction and more like a trusted friendship. With over 8 years in the industry, he's helped hundreds of Australians secure the right loan at the right time.

A proud FBAA member with a Diploma in Finance & Mortgage Broking Management, Michael combines deep lender knowledge with the kind of care that turns one-time clients into lifelong advocates.

Diploma in Finance & Mortgage Broking Management
FBAA Accredited Mortgage Broker
Accredited with 40+ Australian Lenders
8+ Years Industry Experience
Book a Chat with Michael
Michael Gross - Founder & Principal Mortgage Broker, Mocha Finance
🏡
8+ Years Helping Australians with their Finances

Words from happy homeowners.

Don't take our word for it - here's what our clients say about the Mocha Finance experience.

★★★★★

"Michael explained everything clearly, set the right expectations, and made sure I understood what I could and couldn't get so there were no surprises. He was incredibly patient and personal throughout the process, responsive even outside normal working hours..."

P
Prak First Home Buyer, Melbourne
View on Google ↗
★★★★★

"Michael is an excellent broker and provided me with support throughout the entire process as a first home buyer. He took time to understand my situation and explained clearly all the different options that I had. He was responsive and always followed up. Highly recommend him to anyone seeking a reliable, professional and trustworthy broker."

VT
Virack To First Home Buyer
★★★★★

"I had a great experience working with Michael. He is professional, responsive, and genuinely cares about helping you. He made the whole process simple and stress-free, explaining everything clearly along the way. Highly recommend to anyone looking for reliable and trustworthy financial support!"

G
Gemma G Google Review

Run the numbers before we talk.

Get a feel for your repayments, borrowing power, and upfront costs - then book a complimentary chat to get exact figures for your situation.

Estimated Monthly Repayment
Total Repayments
Total Interest
Get a Personalised Quote
Loan Amount $500,000
$100k$2M
Interest Rate 6.50%
3%10%
Loan Term 30 years
5 yrs30 yrs
Estimated Borrowing Power
Net Monthly Income
Assessment Rate
Get a Complimentary Assessment
Gross Annual Income $120,000
$30k$500k
Monthly Living Expenses $3,000
$500$10,000
Existing Monthly Debt Repayments $0
$0$5,000
Dependants
Interest Rate 6.50%
3%10%
Loan Term 30 years
5 yrs30 yrs
Estimated Stamp Duty
FHB Saving
Effective Rate
Talk to Michael
State / Territory
Property Value $750,000
$100k$5M
Buyer Type
First Home Buyer?

Based on Victorian Land Transfer Duty rates (2025-26). Select your state above for accurate rates. Speak to Michael for your exact figures.

These figures are estimates only and may not reflect your exact circumstances. Stamp duty calculations are based on 2025-26 rates and standard concessions - actual amounts may vary. Always consult a licensed conveyancer or solicitor for the exact figures applicable to your situation.

Your real numbers are one call away.

Calculators give estimates - Michael gives certainty. Book a complimentary 30-minute chat and leave with a much better understanding of what you can borrow, what you'll repay, and what to do next.

Let's talk over a (virtual) coffee.

Ready to take the first step? Fill in the form and Michael will be in touch within one business day. Just a relaxed, honest chat - the kind you'd have over a great cup of coffee.

Start your application

Takes less than 2 minutes. We'll do the rest.