Residential Home Loans

Choosing a home loan is one of the biggest decisions people make in their lifetimes 

Finding the Right Home Loan

We help people looking for the ideal home loan from $100,000 to jumbo sized loans, We help including;

  • Fast Approvals
  • Low Rates
  • Peace of Mind
  • Hassle Free
  • Navigating the process

Choosing a mortgage has become more and more difficult as the lending industry becomes increasingly competitive and complex. Home loans are available in many different variations. There are introductory, fixed and variable rates offered by over 25 lenders offering over 1,500 loan product variations. We help find the right combination to suit your requirements.

Understanding the Loan Process

It costs nothing to speak to our friendly and professional staff, who can quickly help you find out how much you can borrow and which loan will suit your needs, plus answer any questions you may have about the process.

Whilst your busy looking for a property, doing research, visiting home opens, we help you with.

Arrange a Pre-Qualified Loan

If you haven’t found your property yet, a pre-qualified loan will be very useful. It gives you confidence knowing your spend limit and lets you move quickly on a property you’re interested in. You may also have a stronger negotiating position over buyers who haven’t been this organised.

You may need some help to organise your financial affairs so you can qualify for a loan. Speak to one of our staff about your loan options.

Find Your Property

Make sure you do your homework when looking for your property. Consider using a online solutions to research local amenities if you’re not familiar with the area. Otherwise research prices, capital growth, planned infrastructure, public transport, schools and shops.

Make an Offer and Sign a Contract of Sale

Your buying agreement becomes legal when a contract is signed by both parties. This confirms the selling price plus terms and conditions. Your commitment will usually be subject to lender approval, building and pest inspection. After signing, the property is legally yours in four to eight weeks or less depending on the state.

Pay a Deposit

A deposit is required once a Contract of Sale has been signed by both parties (also called ‘exchanging contracts.’) You won’t yet have access to your home loan, so your deposit will need to come from savings or elsewhere. Speak to one of our staff about your deposit options.

Appoint a Settlement Agent
You’ll need a solicitor/conveyancer to check the legalities of the Sale Contract, check all rates and taxes have been paid, land use or building approvals for the property and order any relevant searches. They may also help sort out any inspections. At settlement they check the correct money has been transferred and all fees are paid. We will liaise with the appointed settlement agent to assist where needed at settlement. 
 
Commonly asked questions
Navigating the loan process and helping people get a home loan is what we do. Questions commonly asked include.
 
  • What is my Interest Rate?
  • How much can I borrow?
  • What will my repayments be?
  • How complicated is the process?
  • What information do you need?
  • Will I qualify for any Government benefits or assistance?
  • How do I qualify for the First Home Owners Grant? 
  • What is LMI?
  • What are the fees?
  • Should I go Fixed or Variable?
  • How much deposit do I need?
  • What is my Credit score and why is it important?
  • What do I do if I don’t qualify for a home loan?
  • What does a Broker do?

Need call help getting a Loan pre-approval or home loan enquiries please contact us on 1300 885 244 or