Partner with Australia's Leading Mortgage Brokers to secure your financial future

The amount you can afford to spend on a property depends on your income, existing debts, down payment, and the interest rate you qualify for. Use our home loan affordability calculator to determine your budget.

Qualifying for the best mortgage rates depends on several factors, including your credit score, debt-to-income ratio, loan-to-value ratio, employment history, and the overall health of your financial situation. To improve your chances of securing better rates, focus on improving your credit score, reducing existing debt, increasing your income, and speaking with your broker to compare offers from multiple lenders

Generally, you need at least 20% of the property's purchase price as a down payment. However, some lenders may accept a lower down payment, but you might have to pay Lenders Mortgage Insurance (LMI).

Purchasing costs vary, but they can include: Application fees Loan origination fees Appraisal/Valuation fees Title search and insurance fees Closing costs Stamp duty (if applicable) Mortgage insurance premiums (if applicable)

The savings you can achieve through refinancing depend on several factors, including your current interest rate, the new rate you qualify for, the remaining term of your loan, and any associated fees. To estimate your potential savings, use our home loan refinance calculator.

Securing the best refinance rates hinges on several key factors: your credit score, debt-to-income ratio, loan-to-value ratio, employment history, and overall financial health. To enhance your chances of obtaining favorable rates, consider the following steps: Improve your credit score: Pay bills on time, reduce outstanding debt, and avoid opening new credit accounts. Reduce existing debt: Lower your debt-to-income ratio by paying down high-interest debts. Increase your income: Seek opportunities for raises, promotions, or additional income streams. Consult with your broker: Compare offers from multiple lenders to find the best deal

What are the costs involved? Understand all fees, including application, loan origination, appraisal, and potential prepayment penalties. What is the new interest rate? Compare the new rate with your current one to determine potential savings. What loan features are available? Check for features like offset accounts, redraw facilities, and flexible repayment options. How much equity do I have in my home? Knowing your home equity helps understand your borrowing power and access to additional funds. Will refinancing affect my credit score? Inquire about the potential impact on your credit score and how multiple applications might affect it. How long will the refinancing process take? Get an estimate of the timeline to ensure it aligns with your financial plans. Can I access my home equity? Confirm if the new loan allows you to use your equity for renovations or other expenses. What type of interest rate should I choose? Discuss the pros and cons of fixed, variable, and split-rate loans to determine the best fit for your needs.

Refinancing your home loan typically involves costs ranging from $600 to $3,000. These may include application fees, loan origination fees, appraisal/valuation fees, title search and insurance fees, closing costs, prepayment penalties (if applicable), and mortgage insurance premiums (if applicable).

Typically, you need at least 20% equity in your home to refinance your loan. If your equity is below 20%, you may still be able to refinance, but you might have to pay Lenders Mortgage Insurance (LMI) again.

Go to our Repayment Calculator for an estimate. Because there so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, we’ll work with you to find a loan set-up that’s right for you.

You can see us at any stage in your financial journey. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you’re still getting the right deal with your existing lender. You can make an obligation-free appointment with us at a time and place that suits you. We will ask about your financial circumstances and objectives to find out what’s important to you in a home loan. For example, flexibility might be important because you plan to start a family or you may want ready access to equity for a rental property or renovations. Whatever your plans, we will research the market and recommend the right home loan to suit your needs. We always look for the right loan for you, not the lender

Now is always a great time to shop around or check that you have the right loan for your needs. We’re a great starting point. It will depend what interest rate you’re currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit) and what features you want in your loan. We can quickly explain your options.

Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll walk you through any fees that could apply in your circumstances.

This is one of the reasons some people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt – e.g. credit cards, overdraft facilities, personal loans etc. Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. If you take this option though it is important to make sure you maintain your repayments of the debt that you consolidate at their current level, or you could easily end up paying more over a longer period of time. Speak with us today to discuss your personal needs.

We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances

Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.

This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. Contact us directly to find out more about eligibility requirements in your state and how much grant money you could receive.

A mortgage broker is someone who shops around for the home loan that’s right for you. Whether you’re in the market for your first home or building a portfolio of investment properties, we have access to hundreds of loans from a host of Australia’s leading lenders.