Australian Mortgage Options

Our home loan experts will guide you through the complex maze of Australian mortgage options available today.

Our access to the best products and rates

We will help you find the best mortgage solution

Our home loan experts will ensure all is smooth sailing through this exciting but potentially stressful time.

Buying a property, especially if it is your first purchase, is meant to be an exciting time. However, without support, the excitement can quickly turn to stress with the amount of different Australian mortgage options available today. These are based on the type of borrower; you may be a first home buyer, owner occupier, property investor, looking to refinance, want interest-only repayments or products that have an offset account.

Whatever your requirements may be, we have a solution for you. Our experts will show you that selecting a product based on the lowest interest rate is not always the best option; there may be other fees that apply that could end up costing you more in the long run. Our home loan experts will check these finer details for you, so that there are no nasty surprises later.

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No Deposit Home Loan

Have you been struggling to save your mortgage deposit and feel like you are getting nowhere?

If you want to get into the property market sooner rather than later, we may be able to help you with a low or no deposit home loan. Did you know that your new home or investment property may be well within your reach, even without a deposit? Chat with our home loan experts and find out what Australian mortgage option suits you.

Home Equity Loan

Are you a home owner looking for a large sum of money quickly?

As a property owner, a home equity loan is an Australian mortgage option you may explore. No matter what the purpose of the funds, if your home is worth more than the outstanding balance owed, a home equity loan is something you can consider.

Refinance Home Loan

Are you considering refinancing your home loan?

Great, but does your lender really care about how you manage your finances? Refinancing your home loan is a hard decision and one not to be taken lightly. Our experienced Mortgage Brokers are experts on all Australian mortgage options and will be able to advise you on your most effective and affordable course of action. There may just be an opportunity here to save a heap of money.

Commercial Property Loan

Contemplating investing in commercial property?

Getting information from lenders about Australian mortgage options, rates, and policy terms can be difficult, especially when it comes to Commercial Property Loans. We can tell you everything you need to know. There are many options when it comes to Commercial Property Loans, and they differ from your standard Residential Home Loan so be sure to do your research or talk to an expert.

Bridging Loan

Found your perfect property before you have sold your existing home?

It is a common problem. A bridging loan could be the solution you have been looking for.

With general market uncertainty, price fluctuations and stagnating auction clearance rates, among a myriad of other factors, many buyers are finding their new dream home, without having sold their existing home. Find out more about how you can solve this issue with a bridging loan.

Line Of Credit

Have you ever found yourself needing a quick large sum of money?

Chances are you have, and it most likely will not be the last time. Unexpected expenses pop up in life for us all and, for whatever reason, you will likely experience times when borrowing money is inevitable. For many home buyers and property investors, taking out a line of credit is a necessary exercise and can be used for a deposit for the next property. If any of this is relating to you, then read on and find out more about this Australian mortgage option.

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Mortgage FAQ’s

We work with a variety of lenders and can find the cheapest and best loan package available to suit your needs. We know how to present your loan to make sure that it gets approved, and we also specialise in helping people in tricky situations. We know exactly which lenders can help and how to present your loan application in the best way possible, and we help individuals Australia-wide.

Our mortgage brokers are experts, and they love a challenge! We can usually find a solution to even the most complex and difficult situations. This is because we have extensive knowledge of policy and know which lenders have flexible lending criteria. If you have been declined by the banks we can help to find other lenders who will approve your home loan. Where your credit file is causing you difficulties, we will work with you to repair it and a find a lender who will accept your situation.

First of all, we’ll meet with you to get to know you, understand your financial circumstances and determine exactly what your goals are. We’ll research and find a suitable lender for you and collate our findings into a Statement of Credit Assistance, your mortgage broker will present this to you in a meeting. We are the experts in communicating ‘why’ a lender should grant you a loan. We’ll spend the time to ensure your application is as strong as it possibly can be. We’ll submit your application to the lender on your behalf, and keep you updated on any developments along the way. After you’ve been approved, we’ll assist in coordinating the settlement and be in contact regularly afterwards to ensure everything is running smoothly!

This varies depending on your situation and how each lender assesses your borrowing capacity. We know banks that will only require a 5% deposit! Generally, this applies when your income is sufficient to cover the loan repayments, you have stable employment and a good credit history with no defaults. We offer a range of loan calculators you can use to assess your deposit and loan circumstances, find them here.

Our mortgage brokers are experts on the policy of over 40 lenders. This means that if you have a situation that is a little outside of the box then there will usually be a few lenders that can consider your application. We work closely with a variety of banks and non-bank lenders and have a strong relationship with the large banks including Commonwealth Bank, ANZ, Westpac and NAB.

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