Ask us how you can purchase your first home with just a 5% deposit
We are a team of qualified professionals who have been in the mortgage broking industry for the last 10 years. We are also property investors who have accrued the knowledge and experience to help you achieve your property goals.
Learn the right strategy and find the resources to empower you to buy your first home, to refinance or to purchase your first investment property. Our team of brokers can guide you through the home buying process and answer your questions,
➔ Where and what you can buy?
➔ How much deposit will you need?
➔ How much can you borrow?
➔ What are all the other costs involved?
Our role as your mortgage broker is to guide you through the process to ensure that all your needs and options are considered.
Buying a home can be stressful, particularly when it means borrowing more money than you ever have before. But getting advice and support from a home loan expert like us can make all the difference. As mortgage and finance brokers, we are here to help you achieve your dreams – whether that’s buying your first home, your first investment property, a new car or getting finance for your business.
A recent report from Deloitte recognises the value that mortgage brokers deliver. Mortgage brokers currently arrange more than half of all home loans each year, and this number continues to grow. More than 90 percent of customers are happy with their mortgage broker’s performance and mortgage brokers drive competition by improving access to lenders and helping all customers get a better deal.
Our role as mortgage and finance brokers is to take the time to understand your personal situation and requirements and then match it with the most appropriate lending solution.
Some situations are more complex than others. You may be an investor with multiple properties, someone who may have financial challenges in the past e.g. credit defaults, an unusual employment structure or a first home buyer wanting to know if their dream of owning a home is possible. Having access to a variety of lenders, all with differing products and policies will help me identify a solution appropriate to your circumstances.
Our goal as finance brokers is to educate you as much as we can with home loan terminologies, compare loans from a wide range of lenders, find the specific loan product to meet your needs and goals and to manage your home loan application process. We’ve been in the industry the last 10 years and our passion has always been providing the right finance solution to our home loan clients.
In this first step, we get to know you and understand your financial situation. We work out how much you can borrow, how much deposit you need, what your repayments will be and the price of property you can purchase.
Our job is to go through thousands of loan products to provide you the best financial solution tailored to your needs. We look for the most suitable lender and the most competitive interest rate available to you.
We provide you with the top three lenders and our recommendation is based on factors such as interest rate, loan features, fees and charges, bank incentives, your needs and requirements and the lender’s policy.
Once you choose the lender and the loan product, you sign the application form and we submit this to the lender.
Depending on whether you have found a property or not, we seek either a conditional or a formal approval from the lender.
The bank issues you the loan contract for you to sign and you exchange contract with the vendor and provide a 10% deposit.
This is when you and your bank pays the rest of the sale price and you become the legal owner of the property.
Can be one of the most exciting times in your life. There are so many things to consider and we’re here to help you through the home buying process.
Refinancing to a lower interest rate on your home loan can reduce your repayment, help with your cash flow and save you thousands of dollars over the course of your loan.
Whether you’re a seasoned investor or just starting out, we’re here to provide help and advice.