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We combine our expert knowledge of the markets, partnerships with financial institutions, unmatched client service to help enable us to find the best loans for our clients. We’ve got your back.
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Mortgage Broker Gold Coast
Our services are 100% free.
Are you..
- A first-time home buyer?
- Looking to upgrade your investments?
- Investing in property?
- Refinancing your loan?
You’ve come to the right place. We are an authorised credit representative and are fully licensed to give mortgage advice, and are ready to serve our clients.
Your gold coast mortgage broker
We’ve been operating for a number of years now, forming strong relationships with our clients, who we treat as family. Our goal is to help everyday Australians reach their financial goals, and provide unmatched attention every step of the way. We’re a small boutique size, which means that we make sure to provide attention to each and every client.
Best Mortgage Deals
Unlike a bank, where they only offer their interest rates and products, we ensure to take your information and compare it to a range of different lenders to provide you the best product recommendation that suits your needs.
Why Use A Mortgage Broker?
Through our systems and expertise, we make your entire loan process easy and stress-free. Plus, you don't need to worry about further costs because our services are completely free!
Moreover, our job as your Mortgage Broker is to know what your financial goal is before finding the best loan package available in the market. We'll take care of the entire application process up to settlement and beyond.
We share full transparency throughout the transaction to avoid any inconveniences during the application process. We know precisely what the bank aims to see within a mortgage application, so you have a better chance of getting approved the first time. It's fair to say that you will be missing out on the great deals if you don't sit down with an expert mortgage broker.
First Home Loan Deposit Scheme
Since the Australian federal government announced the First Home Loan Deposit Scheme (which has recommenced from 1 July 2020), the race has been on since there are only 10,000 spots available this financial year. The main benefit of the scheme, being the ability to use just 5% by being able to avoid paying Lender's Mortgage Insurance (LMI), which would typically apply for buyers utilising deposits less than the required 20%. Typically, this would save approximately $10,000.
What is the First Home Loan Deposit Scheme?
Normally, to purchase a property, you would ordinarily require a minimum deposit of 20%, based on the property's purchase price. However, if you wanted to use a lower deposit amount, you would have pay the LMI based on the gap between your deposit amount and the 20%. However, thanks to the federal government's First Home Loan Deposit Scheme, you may be eligible to use just a 5% deposit to purchase your first property the requirement of paying LMI to the bank.
Make sure to contact Mortgage Broker Gold Coast to find out more about the First Home Loan Deposit Scheme!
If you are indeed looking to purchase your first ever home in the near future, make sure to contact us, so we can check your eligibility and ensure you don't miss your spot. 10,000 spots may seem like plenty, however, the first launch of the scheme saw thousands apply within the first two weeks. So make sure to give us a call today!
Why Us?
We’re offering a premium service to give you full access to the best product recommendations, along with the most up-to-date strategy that is relevant in real-time. Whenever a better opportunity arises in the next 12-24 months, we’ll keep you updated and provide suitable options for your advantage. Indeed, it is our passion and commitment to help you find the most exclusive negotiated rates available out in the market.
We are available 24/7 to cater to anything you need and answer any questions that you have. We take great pride in being open-minded and reliable to serve you and your family with nothing but only the best service. Our goal is to have a long-lasting partnership with our clients that goes beyond just a transaction.
Always on Time
We'll ensure to get your application process moving as quick as possible.
Hard Working
Our work ethic has no competition - we get the job done.
24/7 Availability
Contact us at any time, we're here to help.
You don't need to search online on "who is the best mortgage broker near me" anymore.
Our goal is that you’ll find us reliable, trustworthy, and sufficiently competent to handle your financial needs. We’re looking forward to helping you in achieving your long-term financial goals. We aim to be the one stop shop for all our clients for all of their lending needs. This means that we build everything on trust, and to provide nothing but high quality service and delivery. You’ve got our complete support, every single step of the way.
We offer a full range of financial services
Relocation loans
Refinance your home loan
If you are looking to refinance, look no further. We’ll explain to you how the process works, and most importantly, how you can benefit by refinancing your loan with us.
Ultimately, you have nothing to lose! We look after the entire process.
Reasons to refinance
Refinancing with Mortgage Broker Gold Coast is easy. Our online process is simplified and streamlined to ensure your application goes through the channels swiftly and quickly.
We’ll compare your current loan with other options in the market, and if we find lower interest rates for a similar loan product, we’ll let you know.
We’ll run some checks on your portfolio to understand how much equity we can utilise to help unlock from your property. If you’re looking to invest, or have upcoming projects that require cash flow, then we can use existing equity to fund these.
We’ll help you understand where all your debt is, such as personal and credit card loans – and help combine this into your mortgage to keep everything simplified and easy.
Contact us today.
Get in touch with our team so we can plan out the next steps to financial success.
1. Call us or fill in the quote form.
We’d love to hear from you and have a conversation to not only get to know you, but to also examine if your financial health is in check. Also, a breakdown of everything will be provided, to educate you on how the loan process works, and the effect of the different types of loan policies on your application.
2. The process - arranging a pre-approved loan.
After evaluating your financial health, goals, and long-term plans, we will then organise your application with the right lender. For instance, if you're planning to have an investment purchase for a new home, arranging a pre-approved loan can make the whole process a lot easier. By this time, you will have a clear indication of your spending limits so you can narrow your research and bid with more confidence if you're going to auction. The entire process is super quick and enables you to shop around swiftly without wasting your time. Furthermore, we will also provide the full details of the loan policy, such as the interest rates, monthly repayment costs, and other alternatives to consider. We want you to know the basics so it could boost not just your confidence but also where you'll stand with your bank.
3. We'll then help get your loan approved and settled, while you relax.
Normally, it takes 1-2 weeks to settle your pre-approved loan and get formal approval. Meanwhile, the bank will prepare the loan offer documents for you to sign once the approval is release. You don't need to worry about everything because we'll give you an update from time to time. Again, we at Mortgage Broker Gold Coast want to have a long-lasting partnership with you. After your loan has settled, we'll still be continuing to monitor you, to cater to anything you need, and answer any questions you have. On top of that, we do yearly reviews with your loan to check if you're receiving the best loan package available in the market. We can make comparisons with other lenders, and negotiate on your behalf, to secure a lower rate for your loan package, or try to refinance with another bank once you're in a better position.
Home loans
The plan of making an investment purchase for a new home can seem daunting, especially if it is your first time. With the many options available out in the market, it will consume much on your time. A lot of the paperwork is involved plus the stress it brings!
Our team at Mortgage Broker Gold Coast can ease the struggle that you have along the process. With our experienced and sufficient service, you will have the luxury of time, as we make the home loan process super stream lined. To serve you best, we love to hear everything, starting with your financial health and together with your long-term goals. After that, we’ll guide you with the pre-approval process, so you could enter an auction with confidence for the property that you want to purchase. We will guide you every step of the way, from start to finish, doing all the leg works for your benefit.
If you’re a newbie looking to purchase your new home, we also have great news for you! We have the First Home Owner Grant application that will surely work for you the best. We’ll guide you through the qualification process to get started.
Investment loans
Every investment comes with an intention for us to live a better life. We tend to look at many loan packages available out in the market, but with the rapid changes in our environment, the decision process takes time. That’s where we come in, to ensure that you will have the best loan package available. With us, you will have a personalised experience, knowing all the appropriate loan structures, including how to minimise any potential lender’s mortgage insurance for your investment strategy and expected returns.
Our investment loan services can assure you that we’ll take care of everything throughout the journey from settlement and beyond.
Also, we can negotiate with the banks on your behalf, manage your deadlines as well as property valuations and settlement dates. While we do the leg work, you don’t have to worry about everything because you will have them for free.
Renovation loans
Part of the reason that home renovations are so stressful is the amount of capital you’ll be needing to complete all the structural work considering the size of the entire property. You need to ensure that you have enough cash flow in hand to fulfill your financial obligations.
Our renovation loans team are well equipped in finding the most appropriate strategy when it comes to providing capital for home renovations.
There are many ways to do this, such as by using your savings, utilise the equity funds built up from your existing property, or seek additional funds through a lender. Whatever your plans are, we hope that you’ll consider having a conversation with us. We are more than willing to guide you and give you our expert opinions.
Construction loans
If you’re planning to construct your own home, applying for a construction loan can help you finance the building and construction costs. It’s an effective way of making your dream house a reality. However, the stress of the application process is not as easy as you may think. It is essential to know how the loan process work and the difference opposed to a regular home loan.
That’s why our Construction Loans Gold Coast team is ready to help you utilise this type of loan application.
We can guide you throughout the approval process and help you find the best loan package that will suit your needs during the construction. It is ideal to draw down your loan on an instalment basis so you will not pay the interest rates of the amounts not drawn from a loan facility.
Commercial loans
A lot of people want to set up a business or raise funds to finance the growth of their businesses. With the array of loan facilities available in the market, finding the best deals can be time-consuming.
Our Commercial Loans Gold Coast team are highly experienced in handling commercial funding and can help you source the best rates in the market.
We can help you sort the right type of borrowed capital that will suit your investment strategy. Whether you choose to have any immediate or long-term plans for loan funding, we can arrange a loan approval for you.
Car loans
We all want to get behind the wheel of a brand new car. However, financing such assets can require some substantial capital, which can negatively impact your cashflow.
We’re highly specialised in car loans, so we know where to go to source the best rates for vehicles.
The entire process is super quick, and we’ll make sure you’ll have the funds required to drive that brand new car you’ve always wanted!
Not located in the Gold Coast? No worries - we can serve anyone nationally with ease.
Suburbs We Service
Approved Gold Coast Mortgage Brokerage Service
The experiences that we’ve had over time gives us that leading margin when it comes to the type of services that we offer to our valued clients. We ensure that every client will have a personalised experience while working with us. Our commitment to excellence in terms of providing our clients with the best loan strategies gives them a satisfactory response leaving them not worried about the entire loan process.
Moreover, we are fully aware that your time and energy are so important to you. That’s why we care to do all the heavy lifting for you and serve you from settlement and beyond. Our services will not stop once you get your loan, but it’s just the beginning of a long-lasting partnership. We’ll remain fully available 24/7 to cater to your needs and answer every question you have. We will also review everything promptly to ensure that you’ll be receiving up-to-date strategies and best deals out in the market in real-time.
Call us today
Having known the stress and the level of difficulty that it brings to the table when you desire to apply for a loan, we love to listen to your concerns and give you our expert advice. We also bring transparency with the services that we offer and leave you with new knowledge, so you can bid more with confidence and negotiate with full assurance. Our goal of delivering excellent services has been and will always be our top priority.
