Let us help you to decide what loan is best for you.
Our loan specialist team provide personalised advice for both new home buyers and seasoned investors. We can assist with a great home loan rate and help with all your financial needs, all under the one roof.
Our fully qualified brokers will assess your situation to understand your exact needs.
We will analyse hundreds of home loans from over 40 different lenders. avoiding unnecessary fees.
We handle every detail from start to finish and manage all the paperwork to make the process hassle-free.
Yes, it can be important. It effects your home loan application and how much you can borrow.
When assessing your position, the banks will give you a credit scoring based on your previous dealings. They’ll look at things like; your repayment history, credit cards, personal loans and any zip pay debt.
They’ll also see if you’ve been checking your credit file. If you’re looking around to find the best loan this can affect your application. It’s best to let a broker do the shopping around so once you secure the best deal your credit score is also intact.
It varies. Some lenders may only need 5% of the property’s value, others up to 20%. However, a 5% loan could mean paying more on insurance as you’re a greater risk to the lender.
Saving up as much as you can is the best way to tackle this. You’re likely to get a better interest rate and pay less lenders mortgage insurance.
Your borrowing capacity comes down to your credit score and how much you’re willing to pay back each week.
You and your broker will assess how much you can borrow based on your lifestyle. Together you’ll find the right amount that won’t affect your everyday expenses.
Want a rough idea right away? Our home loan calculator can help you out!
At the loan contract stage your broker will lay out any extra costs you need to be aware of.
There may be fees both your lender and the government require you to pay. This is the time to go over your contract with the professionals to ensure you know everything that’s involved.