ENQUIRE NOW!
With access to over 40 home loan lenders and over 400 loan deals, we're sure to be able to find a loan that's right for you...
We've got the entire East Coast of Australia covered with experienced brokers in all major cites and regions including Sydney, Canberra, Wollongong, Newcastle, Melbourne, Brisbane, the Gold Coast, Sunshine Coast and Cairns.
Home Loans
For many people the excitement of owning a new home is overshadowed by the worry and anxiety associated with locking in the right home loan.
With so many home loan options available, it is becoming more and more difficult for potential home buyers to choose a loan that will not only suit their current circumstances, but will continue to provide the cheapest and most flexible option over time.
Let mortgagebroker direct help you find the right home loan and get your home loan pre-approved. Fast.
Only an experienced mortgage broker like mortgagebroker can possibly have the knowledge and expertise to help you navigate your way efficiently through the myriad of home loan options available to you.
And by having access to over 40 lenders and over 400 home loan products, mortgagebroker can provide totally unbiassed advice and recommendations to ensure that you get the home loan that's right for you.
Types of Home Loans
Basic home loans
Also known as 'Discount' Home Loans are are a no frills version of the Standard Variable Home Loan. more
Standard variable rate home loans
The most common type of home loan based on the housing market's variable rate of interest. more
Fixed rate home loans
Fixed rate home loans offer a fixed interest rate for a set period of time. Because of this, repayments remain the same. more
Split Rate home loans
A split or combination loan brings together the benefits of variable and fixed interest rates into a single home loan. more
Interest Only home loans
With an interest only home loan, repayments only cover the interest component and the principal is repaid in full at the end of the loan term. more
Line of credit home loans
A line of credit home loan is a credit facility secured with a first mortgage on a residential property. allowing withdrawal of funds up to a set limit at any time. more
Home Loan Features
Home loan features are all about providing flexibility. Common examples of home loan features that can help to save interest and allow a loan to be paid off quicker include:
- the ability to make additional repayments
- the use of an offset account so that any spare cash can be used to reduce the amount of principal on which interest is calculated.
- the ability to switch between fixed and variable interest rates.
What Home Loan Features are Right for You?
Your current financial circumstances will largely determine the type of loan you need as well as the type of home loans for which you qualify. Appropriate home loan features can be selected to match any expected changes in your financial circumstances in the years ahead, remembering that the more features built into a loan, the more expensive the loan generally becomes.
Read more about home loan features
Home Loans for First Home Buyers
"Honeymoon" or Introductory interest rates are offered to entice first home buyers with a low advertised rate. Whilst these rates can often be up to 1% below the standard home loan rate for the first 6-12 months of a loan, it is worth remembering that the honeymoon interest rate is only part of the overall pricing that should be considered when taking out a home loan.
Read more about home loans for first home buyers
No Deposit Home Loans
If you're entering the home loan market for the first time and haven't had time to save a deposit, don't give up! mortgagebroker direct have a selection of home loan deals where it is possible to borrow 100% of the purchase price of a property plus any additional costs - and we can help you find the no deposit loan - and the terms - that are right for you.
Read more about no deposit home loans
Low doc Home Loans
mortgagebroker direct understand that when it comes to finance and lending, your needs can be quite complex and varied. Perhaps, for instance, you're self-employed and whilst sure of your income, lack the documentation required to apply for a standard loan.
We can take the complexity and confusion out of your situation and provide logical and sound advice on how best to approach your specific loan requirements.
Read more about low doc home loans
Home Loan Refinancing
Refinancing your existing home loan can have many benefits, but can result in costly mistakes if the goals of refinancing are not properly thought through before proceeding
Discussing your home loan refinancing requirements with mortgagebroker direct can help you to choose the right home loan refinancing option.
Read more about home loan refinancing
Home Loan Pre-Approval
Home loan pre-approval allows you to negotiate the purchase of a home with confidence or to bid at auction under pretty much the same conditions as a cash contract.
Read more about home loan pre-approval
Home Loan Health Check
It's a sad truth that most Australians will never review their home loan...but you could save thousands of dollars by switching to a more competitive rate.
Banks rely on the fact that most customers aren't proactive in changing their lender once borrowing has been established and are therefore left paying an uncompetitive rate.
Why not take a mortgagebroker direct home loan health check and see how much we can save you!
| No Deposit? Find out about our 100% home loan offers. No Deposit Home Loan Offers |
Been told "no"? Sometimes the difference between "yes" and "no" in a home loan approval is something small. Low Doc Loans |
Need to refinance? Find out more about how we can help with home loans & investment loans in a range of high complexity situations. Home Loan Refinancing |
|
|
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE | PERTH | CANBERRA | WOLLONGONG | NEWCASTLE | GOLD COAST | SUNSHINE COAST