Home Loan

"Getting a best rates from the best lender is the most important things, setting up home loan with most tax effective way is equally important and we do this for you."

Mortgage Broker

Why us for home loan?

Although setting up home loan is not that hard, most people struggle to realize the necessity of setting up correctly. No matter you are buying only one property or are going to buy more than one in the future, the foundation should be set up correct way or it’s certain that it will cause detrimental affects. Often situations as Negative gearing, Capital gain tax and other tax involved may put you in a massive loss, so it is vital to address those in advance.

We help you to manage efficiently whilst providing you a variety of options as well as guiding you step by step. We have obligation free meeting with our clients; upon that meeting, we go through your personal needs, capacity and preference. We are accredited with range of Lenders; we go through and help you to understand the range of products in the marketplace. We compare the products and find most suitable home loan for your purpose. Then, we help you through the entire process of the loan from start to finish. We try to make the process as easy as possible.

We offer verities of home loans such as land and home package, new loans, refinance, lowdoc, and investment loans.

Mortgage Broker

How we help you?

I want to buy a house but I’m not sure about:

  • How much can I borrow?
  • How much deposit do I have to have?
  • What is the loan process?
  • What is the interest rate going to be?
  • What is the repayment going to be?
  • Do I buy a unit or a house?
  • Where do I buy?
  • How do I find the right property?
  • We have a deposit but we are not a permanent resident/citizen. Can we still buy a house in Australia?
  • Should I buy an old or new house?  I have heard that if I buy a new unit/house, I will be eligible for government grant and stamp duty, how much government grant am I eligible for? Up to how much exemption can I get for stamp duty?

We are not only Registered Mortgage Broker but also qualified accountant and Registered Tax agent. These are the questions we cover in our obligation free consultation.

Mortgage Broker


Generally, the following will be required (for all applicants):

  • Your personal details
    • Borrowers Name
    • Current Address (From date: you started living this address)
    • Previous address (only needed if current address is less than 2 years (time: from – to)
    • Email
    • Mobile
    • Number of dependents and age
  • ID – Copies of passports, Driver Licences/photo id and copy of PR if you are not Australian citizen
  • Two most recent payslips
  • If application is for pre-approval:
    • All bank accounts (savings and salary ac) statements for last 90 days
    • Credit cards statements showing credit limit)
    • Car loan statements for last 90 days if any (for example statements from Toyota Finance)
    • Personal loan statements if any
  • When you purchase a property we will then convert the pre-approval to unconditional approval for this we will need
  • Savings account statements for the last three months
  • Contract of sale
  • Deposit receipts for funds already paid
  • Home loan statements for the last six months
  • Latest council rates notice
  • Two most recent payslips
  • Last year’s payment summary – if casual
  • Two years’ payment summary if you earn bonus or overtime income 
  • Individual tax returns for last two years
  • Accompanying ATO notices of assessment
  • Company/trust tax returns and financial statements for the last two years (where applicable)
  • Most recent quarter BAS or the last three months’ business bank account statements 
Mortgage Broker

What's the process of applying for a loan?

Initial conversation

  • Speak with mortgage broker, mortgage brokers have strong negotiating power to get tough loans approved and to negotiate sharp interest rate discounts on your behalf.
  • We use this stage to discuss your situation, your needs and objectives behind getting a home loan.

Collecting information and documents

  • We will require supporting documents such as your ID, pay slips and bank statements.
  • By giving us all supporting documents in one go, it allows us to give you a quick and accurate assessment.

Preliminary assessment

  • After we have your application and supporting documents, we’re able to complete a preliminary assessment of your situation.
  • The preliminary assessment is a very detailed process where we identify any possible problems from a lending point of view.

Submit to a lender

  • Once you have chosen the most suitable loan for you, we’ll then prepare to submit your application to the lender, also we will ask you to provide any final documents.
  • While we wait for these documents, we prepare your application and upload it into the lender’s system or application portal.
  • Once we have everything we need, we click submit on the lender’s system and email your supporting documents to the lender.
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