Home Loans that
don’t cost the Earth

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Why choose us as your mortgage broker?

Our role is to represent you in the best light to the lender. This means structuring the loan to match your circumstances and needs, then putting forward a high quality loan application to the lender. We tailor the solution to suit you rather than taking a one size fits all approach.

We keep you informed

A lot of the feedback we hear from clients is that they feel the process elsewhere left them in the dark and it wasn’t clear where they stood. We take care to ensure every step you reach is made bright and clear so you know what is going on.

We offer intelligent solutions

Our solutions are designed to work through your current situation and desired future outcomes to structure the loan in the right way and protect you.

Get incredible outcomes

The cheapest loan may not be the one with the lowest rates. There may be fees, charges, honeymoon rates and other factors to consider. It’s important to look beyond the rate. That said, interest rates remain a driving factor and with the relationships we have with our panel of lenders, we’re often able to negotiate discounts from the lenders published rates and pass the benefits on to you.

Certainty of approval is our goal

Every application for credit will appear on your credit file. Part of our role is to protect your credit score. One of the ways we do this is to ensure we put forward the lenders that offer the lowest cost whilst meeting your particular circumstances. This maximises your certainty of approval and protects your credit file

We are here for the long haul

We don’t just look after your loan approval and disappear. Our role is to be your first point of contact for any changes for the life of your loan. Circumstances change in time we are here to help and we have annual home loan health check ups to ensure we continue to best home finance for you

Australia-wide services

We can help you qualify for a home loan to buy property anywhere in Australia.

Free upfront valuations and credit reports

We have access to lender valuation systems and believe in ordering the valuation and credit report early in our process. This provides a clear picture on the best way forward.

Professional accreditation to peak industry association

The Mortgage and Finance Association of Australia (MFAA), is Australia’s peak association for the mortgage and finance broking industry. Member operate within a professional Code of Practice that supports best quality outcomes while our membership with the Australian Financial Complaints Authority (AFCA) protects you as a consumer.

We act in your best interests

We are legally required to act in your best interests under Best Interests Duty; whereas a lender has no legal obligation to do so.

Our services are completely free

We do not charge for our services. The lender will pay us should you proceed with the loan and often at better rates then if you went to the lender directly. We have no bias between our lenders and make our recommendation based the projected outcome for you.

Home loans from 50+ lenders

We take the time to understand your goals and deliver accordingly

Lender rules are complex. Some have limits on particular post codes or even property addresses and apartment sizes. Certain income types such as bonus, commission and overtime are treated differently by lenders. When it comes the self-employed the variances are enormous. These polices are updated by lenders from time to time and it is worthwhile engaging a professional mortgage broking firm who knows the rules and applies them to your circumstance.

How We Help

We are Home Loan Specialists who are prepared to help you with all of your Home Loan needs. We have helped hundred of clients through a broad range of situations. Please have a look at the many ways we are prepared to help you!

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It remains the single largest purchase anyone will make. Buying a house can be daunting, even if it’s not your first property purchase

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Refinancing your mortgage is a great way to access better mortgage terms and can help you save thousands each year. Read to find out the process, benefits and reasons for refinancing a home loan.

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Any time you are making structural improvements, lenders will consider this a “construction” loan.

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Often times we discover our customers have talked themselves out of applying for a home loan. I recommend talking to us first, you may be surprised at what’s possible.

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What is Refinancing?

Refinancing is when you get a new loan to pay out & close your current loan. This can be with a new bank or your current lender. Refinancing is advisable when it places you in a better position that you are now. This may lower interest rates, lower repayments or restructuring the current loan.

lower interest rate

How much will the bank lend me

Cash Release

Cash Release Secured by Property

Unlock the equity in your home to do renovations, pay down more expensive debt, purchase an Investment property or shares

Lower Interest

Lower Interest

Chances are your home has increased in value over time and your bank may no longer be passing on the best discounts to you. Factors such as these give you access to better rates and lower repayments.

Loan Health Check

Home Loan Health Check

Contact us to get the detail on your circumstances including a free Credit Check and Property Report

What are the key
items to get lender

There are a number of ingredients that go into a successful loan application. Two of the main criteria are sufficient stable income to evidence you can repay the loan and sufficient value in the property to support the requested loan amount

loan processing

See how we can help

We can help you refinance your home loan.

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