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Mortgage Brokers Caulfield
We make loans easy - they're completely free!
We offer the best rates, have helped thousands of people get loans online, and can help you too.
We try to help you find a solution that works for you, whether that means having a conversation about your current situation or finding an alternative option altogether. We can hopefully create a solution that meets your needs by offering a wide range of products and services. No matter what type of financial product you are interested in, we can probably help you find something suitable.
We take pride in our customer service team, which ensures you receive the best possible experience when dealing with us. We are committed to helping you save money on your mortgage and investment loans and provide you with the most competitive loan currently available on the market today.
Why Use A Mortgage Broker?
We do all the work for your mortgage so you can focus on what matters most – finding the perfect home loan for you. Our team will help you understand how mortgages work and help you make an informed decision about your next step. We'll show you how to compare loans, choose the right type, and apply online in minutes. And if you ever need assistance, our friendly customer service representatives are ready to help 24/7.
With the increasing number of mortgage options available today, it can be challenging to understand which one suits your needs. However, we aim to make this process easier for you to focus on your finances rather than wading through information pages. By understanding your current situation and plans, our team of experts can help you find the right home loan for your circumstances. Once we find a suitably qualified borrower for you, our service offers an end-to-end solution. We help borrowers obtain credit from banks and financial institutions without leaving their desks. Our service provides access to loans from major lenders, offering competitive rates and fees to ensure that we can give you the best deal no matter what type of loan you require, whether personal, business or student.
We eliminate any part of the guesswork of picking out the best mortgage for yourself, and quite frequently, we have access to exclusive offers for your benefit. We'll also ensure all parts of the mortgage agreement are straightforward to comprehend for you - which we’re more than happy to explain.
Look no further if you want a friendly, efficient, and committed professional service.
Let us research for you.
At Mortgage Brokers Caulfied, we love helping First Home Buyers secure their first property purchase. We’ve all been through that first nerve-racking buy, not knowing much about what was involved. We’ll explain how the ‘First Home Owner Grant’ works and how we could use it to your advantage.
That's why we've come together to create a one-stop solution for all your business needs. We'll help you get started, guide you through the entire process, and answer any questions. So contact us today to start creating your website!
Your personalised Mortgage Broker service in Caulfield.
Let us do all the work for you.
We, at Mortgage Brokers Caulfield, love to help first time home buyers secure their first property purchase. We understand how it feels to be nervous and not have much information on-hand. We’ll be explaining to you how ‘First Home Owner Grant’ works, and be it can benefit you.
Our goal is to make the entire process easier, as we work with you and provide you guidance, every step of the way. See how we can be of service to you by giving us a call and speaking to our consultants.
First Home Loan Deposit Scheme
The Federal Government’s First Home Ownership Loan Deposit Scheme, which once started last July 1, 2020, just opened up for limited spots only. Get yourself saved up $10,000 by waiving the lender’s mortgage insurance (LMI) fee. The scheme allows qualified first home buyers to purchase a house with only a down payment of five cents and waive the cost of LMI – saving you around $10,000.For this fiscal year, only ten thousand spaces are open.
What is the First Home Loan Deposit Scheme?
The First Home Loan Deposit scheme is an initiative the Australian government offers to assist First Home buyers in purchasing their first home!
If a First Home buyer wants to purchase a property under $20k with a deposit of less than 20%, they would generally have to pay lenders insurance which can cost up to $10000. Under the First Home loan deposit scheme, First Home buyers who are eligible can purchase their house (under certain conditions) with a deposit of less than $5.
The Australian government will guarantee the participating banks up to 15% of your down payment, which will fund through your home loan.
How do I apply for a First Home Loan Deposit?
You must apply for the First home loan deposit scheme through a participating lender. You cannot apply directly to the Australian government. However, you can use it as either a single applicant or a couple. To qualify for the First Home Loan Deposits, you must meet specific income requirements. Additionally, if you are applying as a couple, you must provide proof that you live together, such as a joint bank account. Finally, you will need to complete several documents, including a financial statement and a property valuation report.
Were you looking to buy your first home with a 5% down payment?
We'll show you how you can purchase your very first home with as little as a 5% deposit.
Why Us?
You will have a superior service with access to every loan option available, and our team will ensure we offer the most current strategy relevant to today’s financial climate. That means the burden is on us to discover the most competitive and worthwhile loan option currently offered. The best part is that if a better opportunity comes along in the next twelve to twenty-four months, we’ll inform you and give you the most beneficial alternatives to help you exploit any brand-new chance in an ever-fluctuating marketplace.
We pride ourselves on our ability to connect with and understand people, so we’re cautious about choosing to who we lend money and how much they can borrow. We believe everyone deserves a chance to repay their loans, and we won’t force anyone into taking out a loan just because they’ve got bad credit. We’re not interested in treating customers like commodities, and we’re not interested in selling products to people without knowing them.
That means you’ll get 24/7 support from us because we take pride in being able to provide excellent customer service. We’re happy to meet your needs whenever they arise, and we’ll do everything we can to ensure that you feel comfortable and satisfied with your purchase. We treat every client as if they were part of our own family because we want you to come back again and again!
Always on Time
We'll get your application processed super quickly.
Hard Working
We're entirely committed to our clients.
24/7 Availability
We're always here to help.
You no longer need to ask yourself who is the best mortgage broker nearby.
You’ll find that we’re reliable, honest and experienced, and we know how to help make things easier for you. That’s why we want to be the one-stop shop for everything related to mortgages and other financial services. So whether you need to borrow money, refinance an existing loan, get a mortgage or just about any further financial assistance, our goal is to be there for you every step.
You have nothing to lose and everything to gain.
We offer a full range of financial services
Refinance your home loan
Looking to refinance your home loan? Well look no further. We know the process back to front, and understand that for many people – the prospect of refinancing doesn’t sound too compelling at times, considering the effort required.
No need to worry, because with Mortgage Brokers Caulfield, we’ve got the expertise, technology and the channels to be able to process your refinancing applications with absolute ease and efficiency.
Before even making a start, we conduct a preliminary assessment to make sure that you’re better off than what you’re currently receiving with respect to your current loan package. This is to make sure that you will benefit.
Reasons to REFINANCE
The process we undertake in refinancing your home loan is quite simple. We use a highly efficient online system that has a direct channel with the vendors. This means your application is received in no time and can quickly be processed!
It’s best to always check first that you’re able to receive a better deal. We not only make sure that you’re receiving a more competitive interest rate, but also checking that your bank’s serviceability is either the same or better. What this means is that we want to make sure you are future-proofed so that if you want to scale your property portfolio, you’ll be able to access further funds, rather than solely finding a better interest rate.
Refinancing your loan can also provide an opportunity to access additional cash flow by enabling you to utilise any existing built up equity from your property portfolio. If you’re looking to commence a renovation or construction project, this is a cost-effective solution to increase your cash flow.
It’s worth considering to consolidate your existing debt, by ensuring that things are kept simple. This is done by keeping your debt in one place so that it’s much easier to keep an eye on.
Some examples would be to combine any existing credit card or personal debt, with your mortgage as there are some financial benefits in doing so.
Give us a call today.
Let’s have a chat to see how we can help you best.
1. Call us or fill out our online request form
We’ll talk to you about your finances and what we can do for you. We’re interested in getting to know you better and finding your goals precisely. We’ll ask loads of questions and help develop a plan that meets your needs. So everything you receive from us is 100% custom-made just for you! Because we know that everyone is unique. And we love helping people – that’s why we’ll give you an explanation of how the whole process works, how the market works and what the current financial climate is. We'll explain how loans work, the effects of each type of loan instrument, and how interest rates work, even if it's only describing how interest rates work or the difference between an "interest only" loan versus a "principle and interest" loan. We believe a foundational understanding of these concepts is essential and valuable in life.
2. The process - arranging a pre-approved loan
Once we fully understand your financial position, goals and what type of loan you're after, we'll outline the best strategy that aligns with you. Arranging for a pre-approved mortgage is one of the best methods to give you peace of mind when looking to make an investment purchase, such as a new house. It will give you a clear direction on how much money you can spend and the ability to shop around without wasting time fastidiously. The pre-approve process is rapid, which allows you to evaluate properties swiftly without losing time.
We'll also get into how much you can afford to borrow based on your income, assets and credit history. You may find that you qualify for a lower amount than you thought possible, so we'll break down your options, so you know exactly where you stand. For example, depending on the lender and mortgage type, you might not realise that you could borrow more than 80% of your home value. And once you've got the basics covered, we'll go through the ins and outs of variable vs fixed interest rate loans and whether you need to pay off any existing debts before applying. Plus, we'll cover the different types of mortgages available, including a range of secured and unsecured options. A big mistake many people make is only focusing on the short-term benefits of borrowing money. They do not think about how they can repay the loan in the future. Many lenders may not be able to offer you as much credit as you would like, so it is essential to take into account your circumstances before taking out any loans.
3. We'll help get your loan approved while you relax
After we receive the required documentation from you, we'll liaise with the bank and provide updates along the way. You should expect settlement within one to two weeks after your loan is approved.
Mortgage brokers Caulfield doesn't forget you after your loan settles. During the life of your loan, we are always here to continue looking after our clients and answering any queries. Moreover, we review your loan annually, ensure that you're getting the best loan package available, and then compare it against other lenders to find out if we can get you a better deal. We can then form a comparison with other lenders and so be able to negotiate on your behalf with the current lender to see if we can secure a lower interest rate for your loan package.
Home loans
Our team at Mortgage brokers Caulfield are industry leaders in helping people through the mortgage process. We understand how stressful buying your own home can be, so we aim to make the whole experience as smooth as possible. We’ll help you find the perfect home loan package, whether you’re looking for an interest-only loan, a fixed-rate loan, or a variable-rate loan. You won’t need to worry about paperwork or forms – we’ve covered everything!
We know that buying a house is a big decision, especially if it is the first time you’ve done so. We’ll take the guesswork out of finding the right mortgage for you by first assessing your finances and your situation. This way, we’ll understand the best value package you should get based on your financial needs. We’ll then go through the process of getting pre-approval for you, ensuring that you can enter into contract negotiations for the property you’re looking to buy. We’ll also complete your loan application for you and keep track of everything along the way, from start to finish!
If you’re a homeowner who wants to buy your first property, we can help you apply for the First Home Owner Grant. We’ll also assist you throughout the entire purchase process.
Investment loans
If you’re looking to get into the investment property loans, we can help! With our expertise in the industry, we can provide you with the correct information to decide what type of loan works best for you. We’ll discuss an appropriate loan structure and whether it be interest-only or principal and interest. You could also benefit from taking out LMI so that you’re not paying for a premium policy if you’ve got equity in the property.
We’ll also help assess your entire property portfolio, so we can make sure you’re getting the best deals possible, negotiate with the banks on YOUR behalf, and manage your deadlines. We’ll continuously work with you to suit YOUR convenience and help YOU identify the most competitive and valuable loans from an extensive range of lenders available. We’ve got your back, too – we’ll help you manage YOUR deadlines, including your property valuation and settlement dates. Best of all, did we say we’d do all of this for FREE?
Renovation loans
We know that home renovation projects aren’t cheap. In particular, for properties that require substantial amounts of structural work, including extensive repairs to the roof, walls, floors, windows and doors. There are many ways to raise funds for such an endeavour just like the renovation loan, and it is vital to consider ensuring you have sufficient cash flow in hand for everything else.
You can pay off your home loan early by switching to an interest-only payment plan. Alternatively, you may be able to take advantage of the low rates offered by lenders who offer fixed-rate loans. You’ll need to make extra monthly payments to qualify for these projects.
Construction loans
Buying a house or investing in a new business venture is always a big decision. Finding ways to finance the project can be challenging with so much money. A construction loan is to help pay for the cost of constructing a new home or starting a new business. Construction loans come in two forms: fixed rate and adjustable rate. Fixed-rate loans offer consistent payments throughout the life of the loan, while adjustable rate loans can adjust interest rates based on market conditions. When choosing between these two financing options, consider how quickly you plan to repay the loan. Adjustable rate loans typically carry higher interest rates but lower monthly payments than fixed-rate loans.
A construction loan offers flexibility in payment options. You may make repayments in instalments or in smaller chunks called “progressive draws” to get paid over time instead of all at once. Most people do this because they often don’t need the total money upfront but rather in stages, so they only pay interest on the sums they borrow. To determine how much you should borrow, consult an expert who knows about finance. They will help you calculate the size loan you require based on your budget and needs.
Commercial loans
Commercial financing is available through multiple sources to choose the one that best fits your needs. Our Finance Brokers in Melbourne are more than capable of assisting you in achieving your investment goals by sourcing the right type and amount of borrowed capital that best suits you. It allows us to provide you with access to various loan options, including short-term loans, medium-term loans, and long-term loans. Whatever your requirements, we’ll be happy to help you find the best solution for your situation.
Car loans
Buying your dream car may not come quickly, so we at Mortgage Brokers Melbourne can help you source the right car loan, to help you ease your cash flow without having to front the cash in one go. It, in turn, allows us to plan out your monthly expense and budget accordingly.
We’ll be able to find a lender and loan package that suits you and create a strategy that fits you, to help you drive off into the sunset in your new ride!
Not located in the Caulfield? No worries - we can serve anyone nationally with ease.
We service all areas of Caulfield.
Armadale
Armadale North
Balaclava
Bentleigh
Brighton East
Brighton North
Carnegie
Caulfield
Caulfield East
Caulfield North
Caulfield South
Cremorne
Darling
Darling South
Elsternwick
Elwood
Gardenvale
Glen Huntly
Hampton North
Hawthorn
Kooyong
Malvern
Malvern East
Malvern North
Mckinnon
Moorabbin
Ormond
Prahran
Ripponlea
Saint Kilda
South Yarra
St Kilda East
Approved Caulfield Mortgage Brokerage Service
Let our Mortgage Broker, Caulfield, do all the hard work for you. We deliver a complete end-to-end solution to finding the right mortgage loan for you to help make your dreams come true. We’re committed to being by your side every step of the journey and, more importantly, helping you meet your long-term financial objectives. We strive to make our customers feel good about themselves. We want them to come back again and again because they know we’ll do everything possible to meet their needs. We enjoy working closely with our customers to understand their financial situation and requirements and then craft a plan that meets those needs. Each client gets a tailored approach, custom-made specifically for them.
Your journey does not end once your loan application is approved. It is merely the start of an exciting new chapter. We will continue to stay in touch with you throughout the process, reviewing everything promptly and re-strategizing if needed. With our access to superior products and services, it makes perfect sense to speak to a licensed and experienced professional, who will take care of the paperwork and stress for you, so you can focus on what matters most – getting into your dream home!
You might wonder why we’re not just doing our own thing. Well, we know that if you’re looking through these pages, you probably already have a pretty good idea about what you want to do. So instead of wasting time figuring out how to build something from scratch, we’ve taken care of that part for you!
Call us today.
We know how hard it can be to make financial decisions. That’s why we’re committed to providing you with complete peace of mind, so you can focus on what matters – living life on your terms. Our mortgage brokers in Caulfield, help you find an affordable loan solution, whether you’re buying your first home, building your dream house, refinancing or consolidating debt.
Our only goal is to provide excellent customer service to our clients; we want to make them feel comfortable and confident. We want to deliver high-quality work and leave our customers with new knowledge and understanding. We will always listen carefully to our customer’s needs and provide outstanding service so they can always know what is going on and how things are progressing.