Est. 2001
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Buy a Property

Buying a property is one of the most exciting times in anyone’s life but there are so many things to consider.

At KCG, we will guide you through the buying process to ensure that all your needs and options are considered. We can offer you strategic advice and compare 30+ lenders, & hundreds of loans and insurance. We adhere to the highest ethical and professional standards, and we are committed to helping you achieve your goals.


Refinance a Loan

Have your circumstances changed or are about to? The benefits of refinancing your mortgage can vary depending on your situation and financial goals. But generally, refinancing opens doors to many opportunities, such as: better mortgage rates debt consolidation paying out an ex-partner lower monthly repayments shorter loan terms fixed-rate options.

Is refinancing right for you? I can help you make an informed decision by helping you to set goals and review loan options that align to your needs.

At KCG, we will guide you through the buying process to ensure that all your needs and options are considered. We can offer you strategic advice and compare 30+ lenders, & hundreds of loans. We adhere to the highest ethical and professional standards, and we are committed to helping you achieve your goals.

Vehicle & Equipment Finance

Finance the vehicles and equipment you need without crippling your cash flow.

These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages, insurance, reviews, and more.

The major benefit of using KCG is ensure you are obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.

Your choice of all the Aussie banks you’d expect, plus mortgage lenders you’ve never heard of.

Matthew Clark with Coat

The person behind KCG

Matthew Clark is twice Amazon number one best selling author of Understanding Successful Property Investment, Fundamentals – Alternatives – Performance and the 2014-2015 Guide to Property Investment. Matthew has dedicated himself to empower his clients to purchase their home, investment property or business since 2001. Matthew enjoys family time with his 3 children, reading, listening to Podcasts, a great cup of coffee and is a long suffering St Kilda Football Club supporter.

Australia’s Leader For 20+ Years

KCG is a Specialist Mortgage Broker & Finance Professional. We work with people or businesses who are looking to grow their asset base through financing the purchase of property, be it a home, commercial property or business in personal names, SMSF or Corporate entities.


Some just base their buying decisions on intuitive finance but we at KCG is different. Our clients benefit from our finance advice as a mortgage advisor and finance broker that factors in not just where they are now but where they may want to be in the future and the complexities around their competing priorities.

Satisfied Clients

Current KCG client mortgages total as of June 2020. Your trusted advisor.

Client Reviews To Us

As first home buyers, we engaged Matthew Clark to help negotiate in the purchase of our home and ended up paying less than we would have in our home loan if we were to do it ourselves. Obtaining the finance needed was made possible thanks to Matthew, and his professionalism and responsiveness throughout the whole process was amazing. I couldn’t have asked for a better broker to assist us in finding our first home. Definitely the most recommended mortgage broker in Melbourne.

Michael & Paloma

We were able to negotiate a $26,000 price reduction from the Real estate Agents bottom price due to Matthews strategy. Thank you Key Choice Group for all the great work you have done for us in making our dream of home owning a reality. 

Alan and Kaitlyn

The KCG Process

We work with you and your service providers (real estate agent, conveyancer and lender) to the buying process with KCG.

Key Choice Group Corporate Core Values


As Melbourne’s top mortgage choice, we are not dependent on intuitive finance. Our focus is on continuous education and expert training ensures our clients receive relevant and customised broking solutions in the most time efficient way. Our professionalism is obvious to our clients and stakeholders.

That’s why when you search online for “mortgage broker melbourne”, “mortgage broker near me”, “finance broker”, “best mortgage brokers”, “mortgage broker in Melbourne”,   KCG is on top of the results.

We always deliver the best as your Mortgage broker either via office or even as an online mortgage broker.

Innovation and Continuous Improvement

Utilising the advances in technology and communication with our stakeholders, Key Choice Group continuously seeks to improve the delivery of our services to ensure excellence in our client experience.  This website is one of our online property where we service our clients.

Additionally, we utilise the questions we are asked and the client best needs we are filling to innovate. Areas including quality, efficiency, speed, uniqueness and flexibility are monitored and improved for best practice.

This keep us as the Aussie Top Mortgage Choice in Melbourne from year to year.


We don’t just read our clients’ minds. Connection between all the stakeholders in our client transaction is vital to the best client outcome. With genuine conversations, mutual respect and transparency, the shared experience is enjoyable for all parties, with your team working together for your best interests.

First and foremost, we value the connections we form with our clients and business partners.

That connection and trust deepens as we assist our Aussie clients to continually grow. Our client reviews prove it.

Whilst we take our role seriously, being prepared and informed allows us to have some fun along the way. Being first in this industry doesn’t keep us complacent.


Stay informed on the latest news from us. We will update you with our featured expert service, free finance webinars, and any mortgage broker resources.

Find out More…

stay up to date with what is going on in the property and finance industry.



Mortgage brokers are qualified finance industry professionals. They work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. We are more like your finance support family.

Also, brokers help to ensure that you don’t take out a loan that is not right for you. Like your solicitor, accountant or financial planner, we are specialists in what we do. We will provide you with a suitable finance solution to help you achieve your goals.

With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender.

Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products and insurance from different lenders to find a loan that’s just right for you.


When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate. Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.


Absolutely not.

First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender.

Our job, our only job, is to find a competitive loan for your needs and objectives.


Some brokers charge a fee for their service which they must disclose to you up-front before you engage their services.

However, the costs of the loan are the same. Also these costs depend on the loan and lender you choose. If you want to save on loan costs, just tell us.

Our team can locate loan products from the lenders with the lowest fees and charges.


There are specific factors that need to be considered when determining how much a customer can borrow.

These factors are income, employment position, the deposit saved, current living expenses, and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. Find the best and expert data in realtime.

If you find our calculator data but still have questions, we are ready to give you further support.

For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.


Sure thing! Wherever you are, Aussie or not, you are more than welcome to book a meeting with us. Many of our financial meetings are held virtually via Good Meet, Zoom or Go To Meetings. Book via and choose your preferred option.

We are always ready to cater your financial support needs.


A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”.

We do however, live by the following;

“If you want flexibility take a variable rate loan.”

“If you want budget certainty, take a fixed rate loan.

“If you want both, then do a split loan.”


We can source you a loan from different lenders to provide you with a variety of options that are suitable for you and your situation including a choice many of the Aussie banks you’d expect, plus mortgage lenders you’ve never heard of.


Mortgage brokers do not set rates. So in short, Mortgage rate varies.

The Reserve Bank of Australia meet on the first Tuesday of every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Lenders also adjust their rates according to their costs and other economic considerations.

On the other hand, he have a useful calculator to help you out.



Lenders will only sell you their own financial products. Family Insurance, car loan, home loan, mortgage add on, and more.

Each bank (or lender) has a variety of loan products on offer – low doc, package loans, loans with re-draw facilities, plant and equipment loans, fixed rate loans, interest only, interested in advance, variable, introductory variable… and so on.

The issue you face as a consumer is ‘which loan is right for me?’ This is a common mortgage concern.

And that is where your mortgage broker becomes an invaluable resource! If you go direct to the bank, you will only be offered the loan options available through that one lender. Not a comprehensive Mortgage guide.

As your mortgage broker and with our professional team, we do all the legwork to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals.

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