FAQs

Get the Answers That Actually Matter—No Fluff, Just Facts.

Is Mortgage Ninja a lender?

No, Mortgage Ninja is not a lender. We connect you with expert mortgage brokers who work with a range of lenders to find the best option for your situation.

Will checking my eligibility affect my credit score?

No. Our process is risk-free—there’s no credit check, no impact on your score, and no obligations.

What if I’ve already been rejected by a bank?

That’s exactly why we exist. Traditional banks follow outdated lending rules. Our brokers work with lenders who look at the full picture—not just a credit score or a rigid checklist.

Do I need a 20% deposit to get a mortgage?

Not necessarily. The 20% rule is a common myth—there are lenders who accept much less. Depending on your situation, you could qualify for a low or even no-deposit home loan. Some buyers get in with as little as 5%, especially first-home buyers or those looking at new builds. Our brokers help you find the best option, so you don’t have to guess.

How long does this take?

About the same time it takes to make a coffee. 60 seconds. That’s it. No waiting. No stress. Just instant clarity on where you stand.

How long does this take?

About the same time it takes to make a coffee. 60 seconds. That’s it. No waiting. No stress. Just instant clarity on where you stand.

What happens after I check my eligibility?

You’ll see your real options, in real time. If you’re a match, we’ll connect you with a mortgage expert who can help you move forward—fast, no pressure, no wasted time.

How much does this cost?

$0. Seriously. No hidden fees, no obligations. We built this to make the mortgage process smarter and easier for you—without costing a cent.

The next 60 seconds could change everything.

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