Home Loans

Finding the right home loan has never been easier

Home loans that fit your life plan

We have access to a large range of lenders and loan products as well as the latest interest rates, applicable fees, and special deals. Our specialist mortgage brokers will do all of the legwork for you and support you the entire way from the application, process through to settlement.

Benefits

  • Compare products from over 30 lenders
  • Tailored to your needs
  • Save time and money
  • Avoid costly mistakes
  • Receive ongoing support

Our Service

Our qualified and experienced mortgage brokers negotiate with banks, credit unions and other credit providers on your behalf, offering a variety of loan options to suit your needs. We help you select a loan then manage the entire process from application through to settlement.

Home Loan Options

  • Introductory (Honeymoon)
  • Basic or Standard Variable
  • Fixed Rate
  • P&I or Interest Only
  • Line of Credit
  • Bridging Loans
  • Full Doc or Low Doc

Our 5-Step Finance Process

Step 1 – Introduction

During our initial telephone interview we’ll have an open discussion about your circumstances, goals and objectives. A Fact Find document will be completed to gather all the information required for us to search for the most suitable lending options available to you. During the initial interview your Broker will:

  • Provide a copy of our Credit Guide
  • Compile a Fact Find spreadsheets with you regarding your requirements and financial position
  • Calculate your potential borrowing capacity and funds to complete
  • Outline the process from application through to settlement
  • Advise which loan products may be available to suit your needs
  • Outline potential fees, charges and Lenders Mortgage Insurance (LMI) if applicable
  • Determine which current state and federal grants may be available
  • Inquire if you are aware of any negative credit information on your credit record *

* Our broker will advise you how to gain access to your credit record.

Step 2 – Verification

We’ll advise you what documents we need in order to verify the information you have provided. Although the loan application process may differ between lenders, most require similar information & supporting documentation from you. You will be required to collect copies of relevant supporting documentation and forward them to us including:

  • Evidence of your income, expenses, assets and liabilities
  • Completed Fact Find spreadsheet
  • Certified copies of identification (if required)

Step 3 – Recommendation

Based on the information we obtain from the interview and Fact Find documentation, your Broker will make a recommendation within a Credit Proposal and Preliminary Assessment. These documents include:

  • Personal/Security Information
  • Product Recommendation
  • Funding Position
  • Disclosure of Remuneration
  • Borrowing Capacity
  • Product Description Summary
  • Loan Features & Other Terms
  • Product Comparison

Step 4 – Application

We will professionally prepare your home loan application, together with your supporting documents, submit it to your chosen lender and take care of all the running around for you.  We will liaise with your chosen lender and support you throughout the entire application, approval and settlement process.  Once you have approved the lender, loan product and structure, your Broker will:

  • Provide the appropriate lender application forms
  • Submit your application to the lender
  • Manage the application process and additional lender requirements
  • Confirm loan approval when advised
  • Assist in signing loan documentation
  • Administer the loan process through to settlement

Step 5 – Ongoing Support

We will provide an on-going support network that extends well beyond your first experience with us and we will be available at any time to assist in your ongoing financial management, free of charge. Once your loan has settled your Broker will:

  • Send you a monthly eNewsletter
  • Provide regular updates on Facebook
  • We will conduct regular reviews of your loan structure upon request

Find the home loan that best suits your needs