Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 14 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 14 Reviews
There are hundreds of home loan products on the market and it is important that you find a solution that best suits your needs, budget and personal requirements. You can expect us to identify which products are most suitable for you and help you choose the correct solution. We also pride ourselves on our ability to get your loans settled and will assist you with collecting documentation and preparing your application.
We have extensive experience in all things lending, including:
FIRST HOME BUYERS A home buyer can obtain financing (a loan) from a financial institution to purchase a property by using a mortgage broker. First home buyers may enjoy a grant from the government to assist with their first home purchase and we can also help to ensure you receive any entitlements. The features of your loan – such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics, can vary considerably. When you’re a first home buyer, it’s always best to speak with a mortgage broking professional to determine the loan that is right for you and help you to understand everything you should know about the home buying process.
STANDARD VARIABLE & FIXED RATE LOANS: Variable rate loans generally offer more features and flexibility than other home loan products, particularly the basic or “no frills” loan. With a variable rate loan, the rate can change at any time and lenders usually raise or lower their variable interest rates in line with the Reserve Bank of Australia’s decision on the official cash rate. Fixed rate loans are set at a fixed interest rate for a specified period – usually one to five years. Fixed rate loans give you the advantage of knowing exactly what your repayments will be for the fixed rate term, but this is offset by the disadvantage of not benefiting from any drop in rates that may occur during your fixed rate period.
HONEYMOON LOANS: A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the honeymoon period, the loan becomes a standard variable rate loan and the repayments usually increase. If you are planning to take advantage of a honeymoon rate, you will need to make sure that you can meet the higher repayments for the remainder of the loan once the honeymoon period is over. You could also be faced with a fee at the end of the honeymoon period to switch to another loan option.
BRIDGING LOANS: A bridging loan is often used by home owners who are moving on to their next home. A bridging loan is usually a short-term loan that is used when it is necessary to cover the gap between buying your next property before the existing one is sold. This finance is generally secured against your property and allows you to utilise the equity in your existing property. Bridging loans usually carry a much higher interest rate than other types of loans, so if you believe you may need financing for a longer period, talk to us about your other options.
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book Appointmentaj
andrew jonson
I had an outstanding experience with my mortgage broker. Their diligence and effectiveness in securing the best possible loan for me were truly impressive. They navigated the complexities with ease and kept me informed at every step. Thanks to their hard work, I got a fantastic loan that exceeded my expectations. Highly recommend their services!
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Adam Delon
Been dealing with Bill in which I really appreciate the personalised and tailored service we receive. Highly recommended.
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Daniel
Giorgio made everything so simple and easy to understand, Very communicative and professional. Couldn’t recommend Giorgio highly enough. Will definitely be dealing with him again
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.