First Home Buyer Loan
It’s your home first home loan – we understand that and it has to be exactly what you need. No unnecessary ad-ons, just the best home loan for you with the best mix of features, at the lowest possible interest rate.

Like the thousands before you, we can help you achieve your home ownership dream – faster and more competitively than ever before. Quick approvals and great advice on the best deals available.

Whether you are a FIRST HOME BUYER or buying a second property, an initial good step in home buying process is to get a pre-approval of loan from a bank. We will get it for you at no cost and no obligation. Pre-approval is an indication as up to how much amount a bank will be prepared to lend you as per terms and conditions mentioned therein.

Refinancing Advice
We will simplify the process of making sure your loan remains appropriate for your needs and competitively priced leaving you to focus on something more exciting, like how to spend any savings we make you.
Why Refinance?
The main reasons for refinancing are:
♦ To take advantage of a new interest rate or competitive offers with a new lender
♦ To take advantage of product features that are not available from your current lender
♦ To secure additional funds that may not be available from your current lender

Debt Consolidation
A Debt Consolidation loan sounds like a pretty daunting word, and it can be a bit of a double edged sword. It can actually work quite well in your favor or it could adversely affect your financial situation if you don’t educate yourself first.

Debt Consolidation refers to the process of rolling all of your existing loans into one big loan, this way you are structuring all of your debt into easy manageable repayments. This can be a huge relief to those of us who have money going in all directions. Not only does debt consolidation tidy up our unorganised loan clutter, it often helps us to save a lot of money on monthly repayments.

Restructure Loans
With many home loans coming off their fixed terms at very low rates this year, we have seen a surge in enquiries regarding what to do with existing home loans.

When you are ending the fixed term on your loan you are usually notified by your mortgage broker or lender 2 – 3 months before the expiry date. The lender will offer you a rate that they will hold for a short period of time to give you time to decide what you would like to do with the loan. Usually this is only for a couple of days. However once the decision is made to hold a specific rate then the rate that this can be held is up to 60 days although some lenders will hold it up to 90 days - for a fee. This fee can be a percentage of the loan amount so generally it’s not cheap.

If you do not notify the mortgage broker or lender what you want done with the loan then it will automatically revert to a variable loan. While there is no cost if this happens, with the variable home loan being the highest rate on offer at present this may not be in your best interest.