About Mint Equity
Mint Equity is a multi-award winning mortgage broker and we've built our reputation as a trusted mortgage broker by drawing on over 23 years of banking experience.
Mint Equity is 100% Australian privately owned and operated. Our business is finance and we do not hold any partnerships with other property or related services, ensuring we don’t have conflicts of interest – a critical component for our clients who expect a high standard of service without compromise.
What we do
We are the conduit between the home loan lenders and home, and business owners sourcing mortgages and finance. We’re with our clients every step of the way - from concept planning and initial thoughts, through the application process to settlement and beyond.
Our team streamlines the lending process to remove the pain points for our clients. It’s our experience, having worked for the banks, that gives us the edge in sourcing the right finance for our clients.
Our services are far-reaching and free of charge
We don’t charge any fees for our services as we are remunerated by the lender you choose once the loan reaches settlement.
We provide flexible options for our clients, whether it be meeting face-to-face at your home, office, or a café, via email or over the phone. Our priority is to make the finance process as easy as possible for our clients, so we’ll work around your commitments to find a time to chat.
Location isn’t an issue for us and we’re able to service local, interstate, and clients residing overseas. Technology plays a big part in our business and for those who are interstate or overseas, we utilise Skype and mobile or branch identification services to ensure we meet our compliance requirements without inconveniencing our clients.
Meet the Mint Equity team
Director, Finance Broker
Zac’s been in the finance game for over 20 years working at NAB, Suncorp, Citibank and St George. He thrives on the complex deals, quite often the ‘go to’ person for his previous colleagues and business partners.
Zac started his finance career in 1995 and spent almost 10 years with Citibank starting out as a Lending Officer and Credit Analyst. It’s this experience that sets the groundwork for his understanding of the credit process, which is essential to getting your loan approved.
From working in credit, Zac moved into commercial and residential mortgages firming up his knowledge of business finance and commercial property loans.
When the GFC hit, Zac was working in commercial and residential mortgages and saw the impact the GFC had on the Sydney and Central Coast property market.
He joined NAB in 2009 as a Business Banking Manager and continued to build his knowledge in business loans and SMSF loans. Just before leaving NAB to start his own mortgage broker business, Zac was a mobile banker focusing on residential home loans for owner occupiers and property investors.
To deal with, he’s down to earth and an all round good guy. And he’ll look out for you like you’re family.
On a personal note, Zac loves his cricket (left arm fast bowler), is married to Leigh, co-owner of Mint Equity and his best mate is Sami (the white fluffy dog you see in most of our photos).
Zac grew up in Sydney and Brisbane, but has now made the move to the Central Coast. You’ll often see him down at Ocean Beach or Putty Beach taking Sami for a run.
Director, Marketing & Communications
With a background in business management and client services, Leigh manages the operations, strategy, marketing and communications for Mint Equity. Knowing that finance isn’t front of mind for everyone, she has a passion for taking the complexity out of finance.
Leigh has a strong interest in all things property including development, renovations and investments, so starting Mint Equity with Zac was an easy decision.
Originally a Sydney girl from the Northern Beaches, she’s now based on the Central Coast and loves cooking for her family and friends.
Get to know us a little more
Watch our 1 minute video and find out how 20+ years finance experience can give you the edge.
Our diverse experience means clients need only deal with one person for residential, commercial and SMSF lending, not multiple brokers or bankers for each different loan.
We work with the big four banks and multiple second tier home loan lenders to provide a vast portfolio of products for our clients.
A study commissioned by the Mortgage and Finance Association of Australia (MFAA) found that customers who sourced their home loan through a mortgage broker were more satisfied with their experience than customers who went direct to a lender. To learn more, read our article Mortgage broker customers more satisfied than direct to lender customers.
Working closely with the major banks and second tier lenders has enable us to secure priority status with several financial institutions, enabling us to fast-track home loan applications for our clients.
What do home loan lenders look for?
Each lender has different application requirements, ever changing policy and risk appetites so it pays to work with an experienced mortgage broker to find the right fit. Every borrower is equally as different and there are many contributing factors to selecting the right home loan lender.
The consistent element across every lender is the risk level of the applicant, and that is generally best reflected in the “Three C’s” – Character, Capacity and Collateral.
- Character – a borrower’s credit rating, history and employment status
- Capacity – a borrower’s income and ability to repay the loan, taking into account living expenses and dependants
- Collateral – a borrower’s savings/deposit and the property the loan will be leveraged against
Why use Mint Equity
Mint Equity simplifies the experience for our clients taking care of all the necessary administration tasks, which includes the paperwork, application process, and the final settlement.
Our services are personalised for each individual, meaning we get to understand your unique goals and situation. Using our business experience and network, we find the best solution that meets your needs.
And the best part – our services are free of charge! Mint Equity is remunerated by the lender you select, meaning we only recommend the best option for your needs and you always have the final say
We’re a full member of the MFAA
MFAA (Mortgage and Finance Association Australia) is the peak industry body for mortgage and finance professionals. The MFAA is determined to rid the industry of unscrupulous operators and maintain strict accreditation standards on education, experience and ethics.
Consumers can go to an MFAA member and borrow with confidence.
Being a full member of the MFAA means we adhere to an industry code of practice which sets high professional and ethical standards for members. It demonstrates our integrity, commitment to professionalism, ongoing professional development, and shows we promise to always put our clients first.
Frequently Asked Questions
How much does Mint Equity charge?
We don’t charge fees for our services as we are remunerated by the lender you choose once the loan reaches settlement.
What does a mortgage broker do?
We are the person between the borrower and the lender who negotiates the loan on your behalf with banks, credit unions and other credit providers to arrange various types of loans. We have the knowledge around specific requirements with various lenders to cater to specific circumstances to provide you with the best chance of getting an approval. We assess your financial circumstances, find a suitable loan and manage the application process as well as providing advice at every step. To learn more about what a mortgage broker does, click here.
Why should I use Mint Equity?
The real value of Mint Equity is that we help educate clients on the options and lending strategies that help them achieve their goals. Our Director, Zac Peteh has over 20 years banking experience. Zac has experience working in credit and understands how credit thinks, which is incredibly important to securing home loan approval. Zac’s experience is spread across residential, commercial and SMSF lending so you don’t have to deal with multiple brokers or bankers for each different loan. Click here to learn more about Zac’s expertise.
Is Mint Equity MFAA accredited?
Yes, Mint Equity is accredited and a full member with the Mortgage & Finance Association of Australia (MFAA).
What is Mint Equity’s credit license number?
Credit Representative Number 460314 is authorised under Australian Credit Licence Number 389328.
What services does Mint Equity offer?
Mint Equity covers the full spectrum of property and business finance.
- residential home loans
- commercial loans
- investment property loans
- SMSF loans
- construction and development loans
- business loans
- personal loans
- car loans
How can I make an appointment?
We can arrange appointments 7 days a week at a time that suits you and at your preferred location. You can call us on 02 4340 4847.
What locations does Mint Equity service?
Our operations are based in Sydney and the Central Coast, however were able to service all parts of Australia and for clients living overseas.
Does Mint Equity have to meet with me?
If you’re overseas or not living in Sydney or the Central Coast, we are still able to help. The digital age has helped the finance industry a lot and with the use of phone, email, Skype and identification verification points (like banks and Australia Post), we’re able to provide our service to those outside of the Sydney and Central Coast area.
What lenders does Mint Equity have access to?
We have access to over 40 lenders including the big 4 and 2nd tier lenders which provides us with 100’s of products to suit the needs of our clients.
What if I’ve already spoken to my bank about a new home loan?
If you’re not sure if your current bank is providing you with the best home loan option, give us a call. We can assess their offer and let you know if there is anything better out there from other lenders.
How quickly can I get my home loan pre-approved?
Depending on the lender you choose, in some cases we can get pre-approval within 24 hours. Many lenders have an auto approval system that enables us to turn around home loan pre-approvals very quickly. However, we would always recommend allowing up to 5 business days to ensure you have enough time to provide all the documentation we’ll need to submit your loan.
What if I’ve already exchanged contracts and don’t have finance approved?
Whilst it’s not ideal to exchange contracts before getting finance approved, we know some properties are hard to resist. In those cases we are able to prioritise and escalate your application through the lender. We have great relationships with our lender panel and can assist us to get urgent approval.
I’d like to refer business to Mint Equity, do you pay referrer fees?
Yes. We value long term relationships which is why we thank our referrers each time we help the new contact – for the life of the relationship. Mint Equity offers referrer benefits to both individuals and businesses. To learn more about our referrer benefits, click here.