Finding the Right Loan for you
Whether you are looking to buy a new home, refinance your existing loans or need funds for your business, discover our range of lending options to fit your needs
Our Services
What We Can Help With
Refinancing
Looking to reduce your monthly mortgage payments or access your home's equity for other financial goals? Our refinancing services are designed to help you achieve just that. Whether you're seeking a lower interest rate, consolidating debt, or renovating your home, we'll guide you through the process to ensure you make the most of your refinancing opportunity.
First Home Owners
Buying your first home is an exciting but sometimes overwhelming experience. Don't worry, though – our services for first home buyers are here to make it all easier for you. We'll help you understand the different loan choices and find a great interest rate, guiding you through each stage until you're holding the keys to your very own place.
Owner Occupier Home Loans
Your home is more than just a place to live; it's an investment in your future. Our Owner-Occupier loan services are tailored to help you secure the perfect financing solution for your primary residence. Whether you're looking for a fixed or variable rate loan, we'll work closely with you to find the best option that aligns with your financial goals and lifestyle.
Investment Home Loans
Whether you're an experienced investor or just starting out, we'll help you select the best lender and product to suit your situation. We can assist with structuring your loans for maximum tax efficiency to optimizing your cash flow. Our expertise will empower you to build and grow your investment portfolio with confidence.
Asset Finance
Having the right tools and equipment for your business is crucial for success. Our Asset and Equipment Finance services provide tailored solutions to help you acquire the assets you need to drive your business forward. Whether it's a new car, truck or technology upgrades, we'll structure financing options that fit your budget and operational requirements, so you can stay ahead of the curve.
Business Loans
Our Business Loan services are designed to provide you with the capital you need to achieve your business goals and objectives. Whether you're looking to purchase a new commercial property, fund a new project, expand your operations, or manage cash flow, we'll work with you to identify the right lending solution that supports your business goals and sets you up for long-term success.
The Process
How It Works
Your Loan Application Made Easy: 3 Simple Steps to Success
Step 1
Initial Consultation & Assessment
Initial discussion will be arranged with you to understand what you are looking for, your current financial situation and future objectives. We can then clarify the process with you and request the essential documents needed for that scenario. The broker will then complete an assessment based on the information you provided to then help you select the most suitable loan product.
Step 2
Selecting Your Loan
After completing your assessment we will then compare the most suitable rate and loan product features across our panel of 40+ Lenders and provide you with a few recommended options for you to choose from. You can use this time to ask any questions you have about the recommended products so we can ensure it satisfies all your requirements.
Step 3
Submitting to the Lender
Once you have selected your preferred Lender, we’ll gather the final application documents required to submit to the Lender for approval. We'll keep you updated along the way and let you know when your loan gets approved. And don't worry – we'll guide you through to the final steps through to settlement of your loan.
Our Lender Panel
Frequently Asked Questions
FAQ’s
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No, you do not need to pay anything to us. As your Mortgage Broker we are paid fees by the Lenders of your choice for providing our service.
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A skilled mortgage broker offers more than just finding a loan with good rates. While online searches might show rates, they lack the expertise to find what's best for you. People often focus only on interest rates, ignoring other important aspects.
Brokers not only save time and money but also study your unique situation, searching nationwide for the best fit among lenders. They work in your favour, handling pre-approvals, negotiating rates, and guiding your application to approval and settlement.
Their support doesn't stop there, a great broker keeps checking after settlement to ensure your loan fits your long-term goals. They consider refinancing or adjusting the loan structure if needed, understanding that structure matters as much as fixed or variable rates. Contact us to explore loan options tailored just for you.
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Using a Mortgage Broker offers numerous benefits compared to dealing directly with a bank. These advantages include:
1. Wide range of products and lenders, leading to better rates, unique offerings, and more flexible lending policies.
2. Top brokers are skilled problem solvers and understand the policies of multiple banks, not just one. This ensures finding a solution for your situation where one bank might struggle.
3. Brokers provide personalized service and are available even when banks are closed. While you may not choose your banker, you can choose your broker!
4. Your branch based bankers may change positions or banks frequently, a mortgage broker typically stays with you throughout their career, especially if they own the business or are affiliated with a specific firm. -
Each lender has different amounts that they can lend to you.
When banks or lenders evaluate your borrowing capacity, they consider factors like your total household income, current credit commitments, monthly living expenses (including transport and food), and any dependents you have.Since Australian households often have a mix of employment types, lenders take into account various work situations, each with its own specific criteria. For personalized advice, we recommend reaching out to us so we can provide comprehensive assistance tailored to your needs.
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We highly recommend obtaining a pre-approval if you're uncertain about how much you can borrow, if your income varies, if you're self-employed, or if your situation is unique. This ensures you have a clear understanding of your borrowing capacity and gives you confidence when house hunting or making financial decisions.
Contact Us
Got questions or need a hand? Whether you're buying your first home, refinancing, or just curious about our other services, we're happy to chat. We're here to make your financial journey smoother, so don't hesitate to get in touch.
