Upfront Mortgage Services

Start Your Property Journey with Confidence

Expert guidance, transparent advice, and tailored lending strategies—so every decision feels clear, considered, and right for you.

Rated 5 stars by clients across Australia
Happy couple moving into new home with Upfront's help
Our Services

How We Can Help

Expert mortgage solutions tailored to your unique situation

Home Loans

Home Loans

Finding the right home loan shouldn’t be complicated. We’ll guide you through hundreds of options to secure a loan that fits your goals and budget.

Investment Loans

Investment Loans

Whether you’re purchasing your first investment property or expanding your portfolio, we’ll help you secure competitive investment loan options and ensure the loan is structured correctly.

First Home Buyers

First Home Buyers

Take the first step toward homeownership with confidence. We’ll help you navigate grants, incentives, and loan options designed for first-time buyers.

Our Panel

Our Trusted Lender Panel

Access to 40+ lenders including all major banks and specialist lenders

Ready to Get Started?

Contact Aaron Micallef for a free consultation

Complete Solutions

What We Offer

Home Loans

Access to hundreds of home loan products from major banks and specialist lenders. We’ll find the right loan structure for your situation.

Refinancing

Your current loan might not be your best option anymore. Let us review your situation and find you a better rate or loan structure that saves you money.

First Home Buyers

We make the path to your first home clear and achievable. From understanding grants to securing pre-approval, we’re with you every step.

Investment Loans

Build your property portfolio with the right investment loan strategy. We specialise in helping investors secure competitive rates and flexible structures.

Construction Loans

Building your dream home? We’ll arrange construction finance that releases funds at each building stage, making your project possible.

Complex Lending

Need financing involving companies, trusts, guarantors, or SMSF structures? We have the experience to navigate complex loan arrangements with confidence.

Testimonials

What Our Clients Say

We recently dealt with Aaron Micallef and we couldn’t be happier or recommend him enough. Aaron was very professional, patient, and got us the outcome we were hoping for. Thank you Aaron!!

— Nerissa Bonner

Aaron Micallef has helped me with multiple mortgages now, and each time he’s secured an excellent deal. I’ve referred him to several friends, and they’ve all been extremely happy with his service too. He’s quick to communicate, always eager to explain things clearly and answer my questions. Couldn’t recommend him more!

— Luke Pettit

Aaron Micallef is the best. Could not have landed our dream home without his expertise. Thanks Aaron we will be forever grateful.

— Jessica

We had the pleasure of having Aaron Micallef as our mortgage broker. He was incredibly professional, knowledgeable and easy to communicate with. Buying a house is so stressful and we could not have done it without him. He made the process as smooth as can be, got us a great deal, and was just a genuine human. We valued and trusted his guidance and advice, and it made us feel reassured and supported when making the big decision of purchasing a home. The emails, texts or calls were answered super quick and it just felt like we had someone on our team. He is stuck with us for life and we plan on seeing him over the years to review our mortgage to get the best loan. HIGHLY RECOMMEND! Thanks Aaron – absolute superstar 🙂

— Danielle Roberts

We first met Aaron back in 2018 during a really tough time for us due to injuries and financial hardship. It was a super complex case, and a couple of brokers had already said no because of how tricky it was. But Aaron didn’t give up—he made it happen when no one else could. We refinanced with him again in 2022 and just recently went through the process once more. Each time, it’s been a smooth and rewarding experience. Aaron knows how to find the best products and get the best outcomes, no matter the situation. Honestly, I’d say Aaron can move mountains for his clients. I highly recommend him to anyone looking for a broker who actually delivers. Thanks so much for your support, Aaron!

— Sam Brown

We couldn’t rate Aaron Micallef highly enough while buying our property. He was able to answer all of our often repetitive or silly questions with patience and ease and was available throughout the entire process to answer our calls immediately. He made the whole process super easy and stress free. Thanks Aaron, would recommend you to anyone.

— Shayne Evans

I recently had the pleasure of working with Aaron as a first-time home buyer, and I can’t recommend him highly enough! From start to finish, Aaron made the entire mortgage process smooth and stress-free. He took the time to explain every detail, answered all my questions with patience, and ensured I understood each step. Aaron’s expertise and dedication truly made a potentially overwhelming experience feel easy and manageable. If you’re looking for a mortgage broker who genuinely cares about his clients and goes the extra mile, Aaron is the person to call. Thank you, Aaron, for helping me secure my dream home!

— Jordan O M

I highly recommend Aaron, he has helped my partner and I over the years with our home loans making the process a breeze. Aaron is easy to contact whenever you need and no matter the question, he will have the answer or the advice to help you. I can’t fault Aaron in any way, he has made getting home loans exciting and enjoyable with updates every step of the way. I will continue to always recommend Aaron to family and friends who need a loan. We can’t thank you enough for everything you have done for us.

— Dayna Wallis

Our journey with Aaron started about a year before we finally bought our own home. When I first spoke to him, he gave us all available options to achieve a mortgage unlike some previous mortgage brokers that had simply said they couldn’t help. His communication is above and beyond, always a phone call or email away to answer questions. Aaron spent weeks preparing our mortgage by communicating with settlement agents, myself and the bank. Unfortunately we hit some road blocks multiple times when it came to our mortgage bank… even down to settlement day but Aaron did absolutely everything he could to escalate the issues, even working on Sundays to resolve issues and emailing me an update. We can’t praise Aaron and his amazing work enough, we will continue to use his services in the future for home ownership needs. We will forever vouch for Aaron’s work but also Aaron as the passionate person he is. Thank you Aaron for all your hard work and long hours, slaving to get us our first home!!

— Sharni Connell

About Us

About Upfront Mortgage Services

At Upfront, we believe in doing things differently. Mortgage broking should be transparent, educational, and focused entirely on your best interests.

Founded by Aaron Micallef, Upfront Mortgage Services brings over a decade of specialist lending experience to every client conversation. We don’t just process loans—we take the time to understand your goals, explain your options clearly, and guide you toward decisions that serve your long-term financial future.

Whether you’re navigating your first home purchase, refinancing to save money, or structuring complex investment loans, our approach remains the same: honest advice, clear communication, and professional guidance tailored to your unique situation.

Aaron Micallef, Founder of Upfront Mortgage Services

Aaron Micallef

Founder & Principal Broker

Aaron began his mortgage broking career in 2012 and has spent more than a decade helping clients achieve their property goals with confidence. His experience covers all areas of residential lending, and he can also assist with complex loans involving companies, trusts, investments, and guarantor arrangements.

FAQ

Frequently Asked Questions

In most cases, our services are completely free to you. We’re typically paid a commission by the lender once your loan settles, meaning you get expert advice without any upfront fees.

This depends on your circumstances, but many first home buyers can start with as little as 5% deposit. We’ll assess your situation and explain all your options clearly.

A bank can only offer their own products. As brokers, we have access to hundreds of loan products from dozens of lenders, giving you far more choice and the ability to compare rates, features, and fees to find the best fit.

Every situation is different, but with the right documentation, many loans receive conditional approval within 24-48 hours. Full approval and settlement typically takes 2-4 weeks depending on the lender and your circumstances.

Absolutely. Aaron specialises in complex lending scenarios including trusts, companies, guarantor loans, and investment structures. We’ll take the time to understand your situation and find the right solution.

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