Ultra Prime

Are you looking for a mortgage product that can cater to your most creditworthy clients, while still being simple and conservative?

Look no further than Mortgage Street’s Ultra Prime product. This product is specifically designed to assist good PAYG borrowers, government employees, and employees of the top 200 ASX companies, all of whom have a reliable source of permanent income.

With Ultra Prime , you can confidently offer a top-of-the-line mortgage option to your customers, knowing that it has been tailored to meet the needs of the most creditworthy borrowers. Don’t settle for a one-size-fits-all mortgage product, choose Ultra Prime and give your customers the best possible option.

Our goal at Mortgage Street is to provide you & your customers with first-class service and innovative products to help you deliver solutions to your clients who don’t fit traditional lending criteria. But if your clients don’t qualify for a bank loan, Mortgage Street can always find alternatives. With 24 mortgage options available, we can help your customers find the right fit for their unique situation.

Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.

Working with a Mortgage Street accredited professional mortgage broker means you can benefit from their expertise and industry connections. This can often result in faster approval times, as brokers are able to expedite the loan assessment process and provide lenders with the information they need to decide.

Each lender has their own credit policies, which can vary significantly. By working with a Mortgage Street accredited mortgage broker, you can access a wider range of lenders and take advantage of more flexible credit policies that may be better suited to your individual circumstances.

A Mortgage Street accredited mortgage broker can help you to maximise your borrowing capacity by advising on the best loan structure and providing guidance on how to strengthen your application. This can be helpful if you have a complex financial situation or are self-employed.

If you are planning to purchase an investment property, a Mortgage Street accredited mortgage broker can help you understand the tax implications of negative gearing and advise on the best home loan options to suit your goals.

A Mortgage Street accredited Mortgage brokers have access to a wide range of lenders, including those that may consider larger loan amounts. This can be especially useful if you are looking to purchase a more expensive property or undertake extensive renovations.


Many lenders require mortgage insurance for home loans with a loan-to-value ratio (LVR) of over 80%. By working with a Mortgage Street accredited mortgage broker, you may access lenders that do not require mortgage insurance up to an LVR of 85%, saving you money on your loan.

Fill up the MSt 003 and get low rates within a day 

Complete the MSt 001 for ready to submit a new application

Mortgage Street focuses on what you and your customer needs. Submit a scenario now and we’ll help you every step of the way.


Frequently asked questions

Ultra Prime I can lend borrowers up to $1,000,000.00 per single security. If your clients are looking for a higher loan amount, you can complete MSt 003 to see if your clients qualify for a higher loan amount. Don’t miss this opportunity to offer your clients the best options available, visit our website now to learn more.

No, Ultra Prime products do not accept Interest Only repayments. Ultra Prime products only accept Principal & Interest repayment type. If your clients are looking for Interest Only repayment options, we recommend checking out other Mortgage Street products like Super Prime, Premium or completing MSt 003 to see if they qualify. For more information and to find the best product for your clients’ needs, visit our website.

Yes, Ultra Prime products only accept full time & permanent income, making it ideal for good PAYG borrowers, government employees and top 200 ASX employees. This strict requirement ensures that only the most creditworthy clients are eligible for the product. If you are interested in learning more about Ultra Prime products and how they can benefit your clients, visit our website and speak to one of Mortgage Street accredited mortgage brokers for more information.

The Ultra Prime product line is designed for borrowers with strong credit profiles. In order to qualify, borrowers must have a minimum credit score of 700, be a good PAYG borrower with no arrears or defaults. If your clients do not meet this criteria, we recommend checking out other Mortgage Street products or completing MSt 003 to find the best product for your clients’ unique needs and qualifications. This will ensure that your clients receive the best possible mortgage options for their individual circumstances.

Broker Support

Monday to Friday 9am – 5pm (Sydney time)

Frequently Asked Questions

+LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.

*Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Loan applications, refinances and balloon amounts are subject to credit assessment.

Conditions, credit criteria, fees and charges apply. Based on Mortgage Street’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.