YOUR TIME & MONEY MATTER. LET'S NOT WASTE EITHER.
From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 10 days.
Low deposit No LMI Home Loans
Are you paying off Someone else's Mortgage . If Yes then contact us to own your House and achieve your Australian dream
We’ll find the Best Mortgage Rate for You .
Our Services are FREE
We get tough loans approved
Our expertise is in helping customers who have unusual circumstances, even those that have been knocked back by a bank in the past. Where other brokers have failed, we regularly get an approval from a reputable lender.
Get the right home loan for your needs
We take a holistic approach when assessing your financial situation and long-term goals to ensure that you get a home loan that’s right for you.
Get incredible interest rates
Because of the relationships we have with our panel of lenders, we’re able to negotiate a sharp interest rate based on the strength of your application.
Fast approval, easy process
We can help you navigate the often complex pre-approval and application process, helping you to achieve your dream of owning a home much easier and in much less time.
Our customers love us
We have hundreds of love letters and positive customer reviews on our website, Facebook , Google and Product Review.
We aren’t owned by a bank
Our expert mortgage brokers will provide you with down-to-earth home loan advice and as a credit licence holder we’re required by Australian law to give you a loan that’s suitable for you needs.
Access to more lenders
We deal with the major banks as well as a number of building societies, credit unions and specialised lenders that offer discounted rates and have flexible credit policies that other brokers have never heard of.
Australia-wide services
We can help you qualify for a home loan to buy property anywhere in Australia.
Free upfront valuations and credit reports
We can give you a pretty good indication of how much the bank will allow you to borrow and how to overcome the barriers to home loan approval.
We’re members of the FBAA and AFCA
The Finance Brokers Association of Australia (FBAA) upholds professional standards in the mortgage broking industry while our membership with the Australian Financial Complaints Authority (AFCA) protects you as a consumer.
FIRST HOME BUYER SPECIALS
What are the Government Guarantee Schemes available?
From 1 July 2021 there will be three different Government Guarantee Schemes available to customers, each with specific eligibility criteria that customers will need to satisfy.
- First Home Loan Deposit Scheme (FHLDS)
- New Home Guarantee (NHG)
- Family Home Guarantee (FHG)
Information regarding these programs and how to apply is detailed below
What is the First Home Loan Deposit Scheme (FHLDS)?
The First Home Loan Deposit Scheme is an Australian Government initiative, administered by the National Housing Finance and Investment Corporation (NHFIC), and aimed at supporting eligible first home buyers purchase or build their first home sooner.
Under the Scheme, NHFIC will provide a guarantee of up to 15% meaning eligible first home buyers are able to purchase or build a new or existing home (subject to meeting eligibility requirements) with a deposit as little as 5%.
There are 10,000 FHLDS places available each financial year to a panel of lenders including CommBank. CommBank and NAB are allocated half (5,000) of the NHG between them.
Eligible borrowers can use the guarantee in conjunction with other government programs like the First Home Super Saver Scheme, state and territory First Home Owner Grants and stamp duty concessions. Refer to First Home Owners Grant Scheme (FHOGS) for more information.
FHLDS cannot be used in conjunction with NHG or FHG.
The guarantee is not a cash payment.
Cannot be used in conjunction with the HomeBuilder scheme where the HomeBuilder funds are required to complete the build.
What is the New Home Guarantee (NHG)?
Similar to FHLDS, the New Home Guarantee (NHG) is Australian Government Initiative aimed at supporting eligible first home buyers purchase a home. Whilst FHLDS places are available for both new and existing properties, NHG places are only available to customers building or purchasing an eligible new home.
As with FHLDS, under the Scheme NHFIC will provide a guarantee of up to 15% meaning eligible first home buyers are able to purchase or build a new or existing home (subject to meeting eligibility requirements) with a deposit as little as 5%.
There are 10,000 NHG places available for the FY22 financial year to a panel of lenders including CommBank. CommBank and NAB are allocated half (5,000) of the NHG between them.
Eligible borrowers can use the guarantee in conjunction with other government programs like the First Home Super Saver Scheme, state and territory First Home Owner Grants and stamp duty concessions. Refer to First Home Owners Grant Scheme (FHOGS) for more information.
The NHG cannot be used in conjunction with FHLDS or FHG.
Cannot be used in conjunction with the HomeBuilder scheme where the HomeBuilder funds are required to complete the build.
What is the Family Home Guarantee (FHG)?
The Family Home Guarantee (FHG) is an Australian Government Initiative aimed at supporting eligible single parents to build or purchase a new or existing home. Unlike FHLDS and NHG, customers do not have to be first home buyers to be eligible for FHG and can have held property in the past. They must however not currently own any property (including investment property).
Under the FHG Scheme NHFIC will provide a guarantee of up to 18% meaning eligible customers are able to purchase or build a new or existing home (subject to meeting eligibility requirements) with a deposit of as little as 2%.
There are 10,000 FHG places available for the FY22 financial year to a panel of lenders including CommBank.
Eligible borrowers can use the guarantee in conjunction with other government programs like the First Home Super Saver Scheme, state and territory First Home Owner Grants and stamp duty concessions. Refer to First Home Owners Grant Scheme (FHOGS) for more information.
The FHG cannot be used in conjunction with FHLDS or NHG.
Cannot be used in conjunction with the HomeBuilder scheme where the HomeBuilder funds are required to complete the build.
to check your Eligibility Please fill the form below
Just pay $297/week on $350000 loan with 1.99% interest rate for a 30 year Term.
FEEL FREE TO USE MORTGAGE CALCULATOR BELOW
** Use Loan term for 30 years to calculate monthly repayments
