The best mortgage for you depends on factors such as your income, expenses, long-term goals, and risk tolerance. There are various loan options, including fixed-rate, variable-rate, and split loans, each offering different benefits. A fixed-rate mortgage provides stability with predictable repayments, while a variable-rate loan offers flexibility and potential savings if interest rates decrease.

If you want a balance of both, a split loan divides your mortgage into fixed and variable portions. Our experts assess your financial situation and plans to recommend the most suitable option, ensuring competitive rates, flexible terms, and a structure that aligns with your needs.

The maximum you can borrow depends on several key factors, including your income, expenses, credit history, employment status, and existing debts. Lenders use a borrowing capacity assessment to determine how much you can afford to repay while factoring in potential interest rate changes.

Your loan-to-value ratio (LVR)—the percentage of the property value you’re borrowing—also impacts how much you can borrow. Generally, borrowing above 80% of the property value may require Lenders Mortgage Insurance (LMI).

Other factors, such as government grants, guarantor support, and your deposit size, can influence your borrowing power. Our expert team can assess your financial position and guide you toward maximising your borrowing potential while ensuring repayments remain manageable.

Yes, a conveyancer or property lawyer is essential when buying or selling a property. They handle the legal aspects of the transaction, including reviewing contracts, conducting title searches, ensuring compliance with regulations, and managing the settlement process.

A conveyancer ensures your interests are protected, helps you understand your obligations, and avoids potential legal risks. While not legally required in all cases, having a professional oversee the process can save you time, reduce stress, and prevent costly mistakes. If you’re unsure, our team can guide you in finding a trusted conveyancer to assist with your property purchase.

A mortgage broker will ask you a range of questions to understand your financial situation and find the best loan options for you. Some key areas they will cover include:

• Income & Employment – Your salary, job stability, and any additional sources of income.
• Expenses & Liabilities – Your regular living costs, existing loans, credit card debts, and other financial commitments.
• Savings & Deposit – How much you have saved for a deposit and whether you qualify for any government grants.
• Credit History – Your credit score and any past financial issues that may impact your loan approval.
• Loan Purpose & Preferences – Whether you’re buying a home, investing, or refinancing, and your preference for fixed or variable interest rates.

By gathering this information, a broker can assess your borrowing capacity, recommend suitable loan products, and guide you through the mortgage process with expert advice.