Home Loans Made easy

Our Mortgage Broking Service

We sort through the products of over 40 different Banks and Lenders to find a great deal for your needs. And the banks pay us so there is no additional cost to you for using our Mortgage Broking Service. If you want a Broker that comes to you and makes the application process easy then just contact our team to get started.

home loans icon

Buying a home
‍Thinking of buying a home - have you considered getting a loan pre-approved? This can give you an edge in negotiations as you can show that you have your finance ready to go. It's also crucial to have a pre-approval in place if you are considering buying at an auction. It's important to get the right home loan structure in place from the start. If you buy a home and go on to turn it into a rental property in the future then having the right structure from the start can save you save you a significant amount at tax time. So even if you are some way off buying a property don't hesitate to get in touch as we can help you get into a position where you are ready to buy. When the time is right we can also assist with seeking a pre-approval so you are ready to go.

First home buyers
‍Buying your first home can be a daunting experience. We encourage our first home buyers to contact us at any time so we can answer any questions that pop up through the home buying process. We can help you prepare for buying your first home, applying for first home owner grants and schemes and researching the properties you are interested in. There are currently a number of Government initiatives in place that first home buyers can take advantage of. Under one of these schemes first home buyer couples only need a deposit of 5% and Single parents only need a 2% deposit. We will also meet you face to face to go through everything and get you on the right track - this service is complimentary.

Young family moving into a house

Refinancing
‍Banks typically only give their best deals to new customers. So when your bank is not rewarding your loyalty we can help you save money by moving to a better deal. Competition in the home lending market is hot and there are also some great cash bonus offers of up to $2,000 when you re-finance. There are also some great rates being offered for new customers. Nothing gives us more satisfaction then helping our clients get a better deal. So don't let your bank take you for granted - get in touch with our team and we can show you how much you can save.

Investment Loans
‍Getting the right loan structure in place for an investment property is very important. You don't want a structure that may lower the tax effectiveness of your investment. It's also important to get it right from the start. We will assist you to choose the right loan structure for your investment property. Whether choosing interest only, offset accounts, redraw or fixed loans we will help you choose the right loan for your investment needs.

Debt consolidation
‍Do you have credit cards, personal loans or other debts with high interest rates and high repayments? One option you may have is to consolidate these debts into your home loan. The benefit is that you are likely to pay a far lower interest rate and as the repayments are spread over a longer time frame your repayments are likely to be much lower too. If you feel you could benefit from a debt consolidation strategy just get in touch and we can investigate some options for you.

backyard qld

Government schemes

There are a number of Government Schemes available to assist First Home Buyers and also Single Parents.
‍
‍The First Home Guarantee Scheme allows first home buyers and single parents to buy a home and avoid paying a hefty mortgage insurance fee. First Home Buyers need to save a 5% deposit and single parents only need to save a 2% deposit. There are a number of other eligibility requirements so please contact us to discuss or see the website below for further details;
https://www.housingaustralia.gov.au/support-buy-home/first-home-guarantee
‍
‍The First Home Super Saver Scheme allows first home buyers to withdraw money from their Super Fund to provide a deposit for their first home. You can only withdraw funds that have been contributed to your fund yourself either as salary sacrifice contributions or personal contributions. There are other eligibility requirements and please contact our office to discuss.

‍The Queensland First Home Owners Grant of $30,000 is available to first home buyers buying a property in Queensland for under $750,000. The property must not have been lived in before (ie it is either brand new or you build it yourself). Other states also have similar grants. Again, eligibility requirements apply so get in touch with us to discuss further.

Special Offers

Re-financing

Quite a number of banks are offering cash bonuses of up to $2,000 to switch banks. They usually offer a great interest rate too. Just get in touch for the latest offers.

Referral Reward

If you refer someone to our business for a home loan then you will receive a $300 Gift Voucher once the loan settles. We may increase the size of the voucher for larger loans. Just get in touch for more details.

The power of the big banks but with personal service

We work with a variety of banks to get you the best rates

anz logoVirgin money logoWestpac bank logoMacquarie bank logoING bank logome bank logoNAB bank logoNewcastle Permanent bank logoTeachers Mutual bank logoLatrobe financial logoAMP bank logoSt George bank logoPepper money logoSuncorp bank logoBOQ bank logoHeritage bank logoAuswide bank logoBluestone bank logoMy state finance logo

Home loan tools and info

Redraw facilities

Most variable rate home loans come with a Redraw facility. This facility allows you to make extra repayments into the home loan account (to save interest) and then draw those additional repayments back out again if you wish to use them for some other purpose. It's a great way to save money and at the same time retain access to your extra savings.

Offset accounts

Offset Accounts are just ordinary transaction accounts. They come with an ATM card and operate just like your normal transaction account. They do have one special feature - any money that you have sitting in your offset account acts like a repayment off your home loan. So when your bank calculates how much interest to charge you they first take the loan balance remaining and then deduct any amount that you have in the offset account. They calculate the interest owing on that reduced amount. Offset accounts are a fantastic way to reduce the interest expense on your loan and help you pay off your loan sooner. They are also a great tax planning tool in case you turn your home into an investment property - just get in contact with us to discuss that feature in more detail.

Fixed vs variable

Our clients often ask us whether they should choose fixed or variable. The benefit of a variable loan is that you can make extra repayments at any time without fees or penalties. A fixed loan may allow a limited amount of additional repayments but you will be charged fees if you exceed these limits. Variable Loans are subject to the movement of interest rates while your interest rate in a fixed rate loan is locked in and will not change during the chosen fixed rate period. Thus, fixed rate loans provide protection from rising interest rates as your loan repayments will not change during the fixed rate period. Both options have their pros and cons and quite often a combination of the two is a good way to get the best of both options. We can assist you to make the right choice for your circumstances.

Important information