My Mortgage Advantage

Tailored finance solutions for personal & business success

My Mortgage Advantage

Hassle Free Finance Solutions for the Central Coast

Empowering your financial future

Why choose My Mortgage Advantage

Finding the best loan is not just an interest rate

At My Mortgage Advantage, we specialise in both personal and commercial finance, providing tailored solutions to meet your financial needs. Whether this is your first or fifth home, our team can help with all loan types, finding solutions for even the most complex of situations. With allied services of tax & financial planning specialists in-house, we can help you achieve your property goals by not only securing finance, but ensuring you have the right financial & tax advice. We understand that finding the right loan isn’t just about securing funding – it’s about ensuring your financial stability & growth.

With access to a wide network of lenders and a commitment to finding the best rates and terms, we simplify the process so you can focus on achieving your goals.
Get started today with My Mortgage Advantage.

Your mortgage, your future, your advantage.

Personal Finance

  • Home Loans
  • Car Loans
  • Personal Loans

  • Debt Consolidation

Commercial Finance

  • SMSF

  • Commercial Loans

  • Plant & Equipment

  • Medico Finance

Luke Talbot - Principle Mortgage Broker

Luke Talbot

Principal Finance Broker
Emily Krivohlavy - Mortgage Broker

Emily Krivohlavy

Finance Broker

Finding the best loan is not just an interest rate

At My Mortgage Advantage, we bring years of expertise in mortgage and finance solutions to help you achieve your dreams, whether you’re buying your first home, upgrading, refinancing, or SMSF investing. We understand that finding the right mortgage isn’t just about securing funding—it’s about ensuring your financial stability and growth.

We take the time to get to know you, your goals, and your unique circumstances, tailoring loan options to match your needs and provide the best outcomes. Whether you’re navigating complex home loans, specialized lending options, or investment properties, our accredited team is here to guide you every step of the way.

Get started today with My Mortgage Advantage. Your mortgage, your future, your advantage.

We will find the best home loan for you.

With access to over 30 lenders, we do the leg work for you to find the best lender for your needs.

Our services are 100% free for you

You can get expert advice with no extra cost. Saving you money from the get-go.

Our online calculators can help

Our  calculators help give you an idea of your financial position &  borrowing capacity.

4.9
Based on 29 reviews
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  • Emily and Maiza were absolutely amazing to work with! They made the whole process simple and stress-free, always patient with our questions and so supportive every step of the way. We’re so grateful for their help and couldn’t recommend them... read more

    Jessica Potts Avatar Jessica Potts
    September 18, 2025

    Emily from My Mortgage Advantage is very professional and knowledgeable. She walked us through the whole process and we couldn't be happier with the result. Thanks Emily!

    Adam Wells Avatar Adam Wells
    July 27, 2025

    My Mortgage Advantage came highly recommended to me by a family member. As a first time homebuyer, working with Emily has been amazing. Right from the start Emily went above and beyond. She was highly knowledgeable, had great communication, and... read more

    tiarne dale Avatar tiarne dale
    June 16, 2025
  • Emily is absolutely outstanding! From our first conversation, she made the entire process feel easy and stress free. If you are looking for someone who genuinely cares and delivers exceptional service, Emily is the one. Highly recommend!

    Priscilla Mason Avatar Priscilla Mason
    June 16, 2025

    Emily has been incredible in supporting us to achieve our objective! We went through the process to refinance for some reno’s with our existing lender. They were not able to meet our needs or objectives. I was referred to Emily who within... read more

    Olivia Coss Avatar Olivia Coss
    June 5, 2025

    My experience with MMA from the initial call to the settling of my loan was so seamless and easy. This was all down to the support that Emily and the team provided. Emily was always ready to answer my questions,... read more

    Kelly Ann Avatar Kelly Ann
    May 14, 2025
  • We had the absolute pleasure of working with Emily as our mortgage broker over the last 6 months and we truly can’t recommend her highly enough. From the beginning, Emily was amazing - her communication was clear and consistent, and... read more

    Julie Schlumpf Avatar Julie Schlumpf
    April 10, 2025

    Emily did a fantastic job of helping us secure a remortgage and moving home. Highly responsive and professional.

    Anthony Shaw Avatar Anthony Shaw
    December 30, 2024

    Emily did a fantastic job of helping us secure a remortgage and moving home. Highly responsive and professional.

    Anthony Shaw Avatar Anthony Shaw
    December 23, 2024
  • We had a wonderful experience purchasing our recent home using Emily as our broker. Emily helped us every step of the way with regular check ins and provided thorough explanations on the process inside and outside her role. She was... read more

    Marnie Crampton Avatar Marnie Crampton
    December 13, 2024

    We had a wonderful experience purchasing our recent home using Emily as our broker. Emily helped us every step of the way with regular check ins and provided thorough explanations on the process inside and outside her role. She was... read more

    Marnie Crampton Avatar Marnie Crampton
    November 17, 2024

    Could not speak more highly of Emily and the team at My Mortgage Advantage. Emily went above and beyond for us over a 12 month period to help us refinance and consolidate, thank you for everything you have done to... read more

    Andrea Van Tilborg Avatar Andrea Van Tilborg
    November 13, 2024
  • Could not speak more highly of Emily and the team at My Mortgage Advantage. Emily went above and beyond for us over a 12 month period to help us refinance and consolidate, thank you for everything you have done to... read more

    Andrea Van Tilborg Avatar Andrea Van Tilborg
    October 22, 2024

    My husband and I recently settled on a new property with Emily's assistance. Emily was great to deal with from the beginning, with patience and excellent knowledge of mortgage products. She clearly explained everything to us and was very responsive... read more

    Shriya Avatar Shriya
    October 13, 2024

    My husband and I recently settled on a new property with Emily's assistance. Emily was great to deal with from the beginning, with patience and excellent knowledge of mortgage products. She clearly explained everything to us and was very responsive... read more

    Shriya Avatar Shriya
    October 9, 2024
  • Me and my partner used Emily from my mortgage advantage during the process of buying our first home. we couldn't be happier with the experience that we had with Emily, she was a delight to work and made the process... read more

    Luke Jones Avatar Luke Jones
    September 13, 2024

    Me and my partner used Emily from my mortgage advantage during the process of buying our first home. we couldn't be happier with the experience that we had with Emily, she was a delight to work and made the process... read more

    Luke Jones Avatar Luke Jones
    September 2, 2024

    I've had a wonderful experience with Emily and I highly recommend her services. Thank you Emily for being so kind throughout the whole process and being patient with all my questions.

    Jane Lee Avatar Jane Lee
    August 13, 2024
  • Thank you Emily you have been extremely helpful! Super keen to work with you again in the future :D

    Nick Loker Avatar Nick Loker
    August 13, 2024

    Thank you Emily you have been extremely helpful! Super keen to work with you again in the future :D

    Nick Loker Avatar Nick Loker
    August 9, 2024

    I've had a wonderful experience with Emily and I highly recommend her services. Thank you Emily for being so kind throughout the whole process and being patient with all my questions.

    Jane Lee Avatar Jane Lee
    August 6, 2024
  • Great experience. Super easy to deal with and very professional in keeping me up to date on the whole process of getting my first home loan. Was recommended to me and I recommend to every one else.

    Celso Paiva Avatar Celso Paiva
    July 13, 2024

    Great experience. Super easy to deal with and very professional in keeping me up to date on the whole process of getting my first home loan. Was recommended to me and I recommend to every one else.

    Celso Paiva Avatar Celso Paiva
    July 1, 2024

    We had an amazing experience with Emily. Would definitely recommend her to anyone looking for a broker.

    Rachel Palmer Avatar Rachel Palmer
    June 13, 2024
  • We had an amazing experience with Emily. Would definitely recommend her to anyone looking for a broker.

    Rachel Palmer Avatar Rachel Palmer
    June 5, 2024

    Emily from MMA team was super helpful at every step of the application process for my original loan and then with refinance, from the initial email till the settlement day. Very quick turnaround from the start to finish. I was... read more

    Oksana Kseya Avatar Oksana Kseya
    April 13, 2024

    Emily from MMA team was super helpful at every step of the application process for my original loan and then with refinance, from the initial email till the settlement day. Very quick turnaround from the start to finish. I was... read more

    Oksana Kseya Avatar Oksana Kseya
    March 18, 2024
  • We are beyond happy that we went with My Mortgage Advantage, specifically Emily! Emily was outstanding, and was instrumental in getting us into our first home. She was patient and kind throughout the process, and willing to walk us through... read more

    Alex Boyden Avatar Alex Boyden
    March 13, 2024

    My wife and I engaged Emily at My Mortgage Advantage for the purchase of our first investment property through our Self Managed Super Fund. From beginning to end, Emily was a great help and was very responsive and willing to... read more

    alex longuet Avatar alex longuet
    March 13, 2024

    My wife and I engaged Emily at My Mortgage Advantage for the purchase of our first investment property through our Self Managed Super Fund. From beginning to end, Emily was a great help and was very responsive and willing to... read more

    alex longuet Avatar alex longuet
    February 18, 2024