We combine expert personal service and finance technology to make your home loan journey easier.
We save you from spending valuable time browsing the websites of many different banks and lenders and trying to figure out which one is best for you. Our system allows you to input some basic information and quickly compare tailored options from over forty lenders. It takes less than five minutes and allows you to compare interest rates, repayments and the overall cost to you for the home loan you need. Simply complete your application online If you like what you see on offer you can proceed immediately to start an online application for a home loan. Our system encrypts and stores your data on secure servers in Australia. There is no charge for our online application service, we are accredited brokers and paid by the bank or lender who secures your business. Chat to your mortgage broker We will ask you to review and approve our Credit Guide and Privacy Statement, and talk to our expert mortgage broker. We will need to make sure the lending product you choose is suitable for your needs and secure any further information needed to complete your application. Until your application is lodged with a bank or lender, our application process does not affect your credit rating. We lodge your application Once your application is lodged, we will keep you fully informed of its progress and help you answer any questions and provide any further information needed. Once your loan is approved, we will still be there to support you right through the settlement or refinancing process. We translate bank and lender jargon Banks and lenders have their own language of abbreviations and acronyms which can be very confusing for people trying to get a mortgage. We make sure all our communications to you are jargon-free, that we properly explain everything to you and answer all your questions. We also provide a selection of Guides. Cash-Back offers Many banks and lenders are currently offering cash incentives to attract your business, others just offer a low introductory rate This is constantly changing but we guide you to the best overall offer for you, before you make a bank or lender selection, by showing you a calculation of what each offer will cost you over time. Refinancing with Cash Out Refinancing your home loan can be an opportunity to consolidate other loans or credit cards you have, or take out extra cash to fund a new property investment, home renovation, holiday or new car, boat or caravan. We can help you apply to lenders that will allow this and calculate your borrowing capacity. Or use our Borrowing Power Calculator. Offset account and redraws An offset account can allow you to use your income and savings to reduce the amount of interest you pay on your mortgage. Usually loans with the lowest interest rates are basic products that do not offer offset accounts and this is an example of why the cheapest rate may not always be the best deal for for you. Redraw accounts allow you to overpay and redraw the overpayment later but are generally less flexible for day to day use than an offset account. More information in our Guides. Variable and fixed rates In taking out a new mortgage you will have to choose between fixed and variable interest rates, or a mixture of both. We don't have a crystal ball that allows us to predict the future, but we can guide you as to the implications of choosing different lending products. More information in our Guides. Investment property loans We love to help people get ahead by investing in real estate. If it is your first or your tenth rental property, we can guide you to lending products that support your investment strategy. We can also help finance property investments for your self-managed super fund. |
Looking for commercial finance? If you are looking to buy commercial property talk to us about commercial mortgage products. For example 30 year "set and forget" loans without the need for annual reviews by a commercial banker, and "lease doc" products where the lender does not consider the investor's other income, but simply considers the rental income. Do you have casual, part-time or bonus income? Being a part-time or casual worker, or receiving some of your income in the form of a bonus can make it harder to obtain a mortgage, but we can guide you to lenders that do accept these forms of income. Are you self-employed or running a business? Self-employed people have a range of options depending on their income, how long they have been in business and the financial documentation they have available. Personal mortgages for self-employed people can be full doc, low doc and alt doc and we can also assist with business lending to their companies. Is your credit not perfect? We have a number of lenders that specialise in lending to people with imperfect credit, or who do not consider credit scores. We are happy to guide you on the options available. Check your borrowing power Many people who purchased homes in recent years had their ability to afford their mortgages calculated based on the low interest rates on offer at the time. The current higher interest rates not only raise their payments but also reduces the size of loan they can comfortably service. In some cases they may not be able to qualify for a new loan to refinance their existing loan, making them "mortgage prisoners" until their income or the interest rates change. To check your current borrowing power contact us or use our handy Borrowing Power Calculator. Property values expected to fall A reduction in the value of your property could also impact your ability to refinance to a better rate. Most economists predict that average home values will continue to fall over the next year and if you bought recently and do not have lots of equity in your home, this can affect your ability to refinance and the rate you can secure. While there are exceptions, in general your loan should not be more than 80% of your home's value when your refinance. Refinancing for a better deal with us If your fixed rate mortgage is coming to an end, ask your lender what variable rate will apply to your loan and what fixed rate deals are on offer. It is unlikely your lender is immediately offering you the best rate on the market, so why not use our platform to compare the market and secure a better deal. Our mission is to make your refinancing process as easy as possible, because getting a home loan shouldn't be so hard. Car loans and personal Loans too We help with those too. Use our Vehicle Loan Options or Personal Loan Options to find out what you could borrow. When you are ready to go ahead, our Vehicle Finance or Personal Finance will help you finalise your application and make it happen. Need to ask a question? Book a Meeting to talk to an expert mortgage broker, email [email protected] or call 1300 080 318 |
1300 080 318 |
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