Black Friday is here! 🥳

Enjoy huge savings on thousands of products

Mortgage Broker Finder™: Search for a mortgage broker

Let an expert from one of Australia's top mortgage broker firms find you a home loan.

Updated

Fact checked

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

A qualified mortgage broker does the hard work for you by helping you find a suitable home loan. More than that, they help you with everything from finding a mortgage through to organising your application and settlement.

Aussie Home Loans Logo

Enter your details and get a free consultation with an expert broker from Aussie.

By submitting this form, you agree to the Finder Privacy and Cookies Policy and Terms of Use

Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2020 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

By submitting this form, you agree to the Aussie privacy policy.

After entering your details a mortgage broker from Aussie will call you. They will discuss your situation and help you find a suitable loan.

  • A comparison of home loans from multiple lenders.
  • Expert guidance through the entire application process.
  • Free suburb and property reports.

Aussie Home Loans Lender Logos

The Adviser’s number 1 placed mortgage broker 8 years running (2013-2020)

Compare mortgage brokers

You can compare mortgage brokers in the table below and click "more info" to learn more about a particular company. If there's no green button on a broker it means we don't currently have a partnership with this broker. You can contact them directly on their own site.

Data indicated here is updated regularly
Name Product Upfront consultation fee Variable rates from Comparison rates from Lenders on panel Apply Now
Aussie
$0
2.99%
3.02%
22
Aussie is a long-established mortgage brand with over 1,000 brokers across the country.
eChoice
$0
3.03%
3.04%
25
eChoice has a network of brokers Australia-wide and convenient online service. They work with lenders large and small.
loading

Compare up to 4 providers

Leave your details with any of the providers on this page and one of their mortgage brokers will call you. They will talk you through suitable mortgage options for your situation and help you with your application and paperwork too.

How can a mortgage broker help me find a loan?

Finding a home loan can be a confusing and time-consuming process (although at Finder we think there's nothing stopping anyone from comparing rates and getting a good deal for themselves). Mortgage brokers exist to do it for you, and usually at no cost to you.

A mortgage broker is a licensed home loan expert. They have access to home loans from a panel of lenders and they will find mortgages for you and then help you with the application process all the way through to approval and beyond.

For borrowers who are busy, find finance confusing or aren't sure if they're eligible for a home loan going with a broker is a pretty good idea.

Borrowers who should strongly consider using a broker

While you can go it alone, there are some borrowers who are probably better off going straight to a broker. This includes:

  • Borrowers with a poor credit history. Brokers are useful for borrowers with poor credit history or discharged bankruptcies. They can help you apply for regular home loans that you may qualify for or specific bad credit products.
  • Borrowers on Centrelink or pensions. It's often possible to qualify for a loan while receiving welfare payments (and using some of the payment to count as income) but a broker can help you with eligibility requirements for relevant lenders.
  • Older borrowers. Middle-aged borrowers can have difficulty getting approved for a home loan because they're older and have fewer working years to pay a loan back. Brokers have a good sense of which lenders may accept your application.
  • Borrowers with complicated situations. If you're looking to set up a complex property investment strategy or have multiple loans then a broker is a really good idea. A broker can help you structure your loans in a more advantageous and cost-effective way.

How do mortgage brokers get paid?

Brokers are usually free for borrowers to use because they receive a commission from the lender you choose to go with.

There are two types of broker commission:

  • Upfront commission. Upfront commission is the commission a broker receives for introducing the home loan customer to the lender. It is normally around 0.3-0.5% of the loan value. For example, for a $850,000 mortgage, a 0.3% commission would amount to approximately $2,550 in the broker's pocket.
  • Trail commission. This is a recurring commission that is calculated based on the remaining loan amount each year, which is paid to them on a monthly basis. Some lenders offer an ongoing commission of 0.1-0.2% based on the remaining value of the home loan. This commission is paid for the broker providing ongoing service to the client.

Brokers may charge you a fee if they're providing more services, such as financial planning. Check with a broker before you employ their services to get a clearer idea of potential costs.

How do I know I've found a good broker?

There are many mortgage brokers working in Australia and you can compare and research them as you would other services:

  • Ask for recommendations. Many of the best brokers source the majority of their business from referrals. Ask around and see if anyone you know has had some experience with a good mortgage broker.
  • Check reviews. Put your broker's name into a search engine and read reviews from previous customers. This is a good way to get a sense of a broker's history and service.
  • Check their accreditations. Your mortgage broker should be a qualified professional. You'll also want to ensure your broker is registered with the Australian Securities and Investment Commission (ASIC) either as a license holder or a credit representative. You can check ASIC's register here. Mortgage brokers are also required to be a member of an industry association, either the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA).
  • Do your own home loan research. Mortgage brokers may have access to hundreds of different loan products, but it doesn't hurt to spend a little time researching your options on your own as well. Remember, this is your mortgage and it will be with you for a couple of decades to come. Arming yourself with information will help both you and your broker.
  • Approach more than one broker. Shop around and talk to a few brokers before deciding which one you want to go with.

Are there any downsides to using a broker?

A mortgage broker does a lot of the legwork for you and may not charge you a cent. What can be wrong with that? It's definitely a good service, but there are some reasons why you might be better off just finding your own loan.

  • A broker won't compare all loans. Mortgage brokers only compare lenders in their panel. That's usually a list of between 20 and 30 lenders, including the Big Four in most cases. While this gives you plenty of options it means you will likely miss out on the very lowest home loan rates from small online-only lenders that don't feature in broker panels.
  • A mortgage broker is a middleman. A mortgage broker will liaise between you and the lender during the entire application process. You might not even deal with your lender until settlement or after. This makes it hard to get a sense of what your lender is like and you'll rely on your broker to answer your questions, at least initially.

Questions to ask your broker

When talking to a broker you should ask a few questions about the loans they're suggesting for you and their service overall. This will help you understand the broker process and the details of your loan.

Here some questions you should ask:

  • Do you charge a fee? While most mortgage brokers don't charge their clients, some do, so you should pose the question to the broker at the start so you're clear about all the costs involved.
  • How many lenders do you have in your network? You want to ensure that the broker has a diverse range of lenders in their panel, including banks and non-bank institutions.
  • How much commission do you make? To understand the broker's motivation, you should ask how their commission structure works. This may help you determine whether or not there is a conflict of interest at play.
  • Is the interest rate on my loan permanent or just a promotion? Lenders often give new borrowers an attractive low rate to win their business. This low rate is normally temporary, and sees you revert to the lenders standard rate when the promotional period is over. Find out whether the advertised interest rate is permanent, and if it isn't what's the lenders standard variable rate. There's no point getting a great rate for a year if you're going to pay over the odds for the remaining term.
  • How much of a deposit do I need? Ask how much of a deposit the lender wants, and find out whether the size of the deposit affects the interest rate of the loan. Sometimes a lender will give you a better rate of interest if you put down a larger deposit. A smaller deposit may also mean that you have to pay a lenders mortgage insurance (LMI) premium. Your broker should lay this all out for you in easy to understand language.
  • Can I make extra repayments and/or repay my loan early? The quickest way to repay your mortgage and save money in interest is to make overpayments whenever possible. Double check your lender is happy for you to do this without penalty. Some lenders charge an admin fee to process the additional payment. Whilst you're on the subject of overpayments you should also find out whether your monthly payments adjust in line with any additional payments you make.

Want to find a loan yourself? Compare some of the market's latest rates

Data indicated here is updated regularly
$
years
Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
St.George Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get to $4,000 cashback (Other terms, conditions and exclusions apply).
Westpac Fixed Options Home Loan
2.29%
2.72%
$0
$8 monthly ($96 p.a.)
95%
$577.55
Up to $3,000 refinance cashback.
A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
Athena Variable Home  Loan
2.19%
2.19%
$0
$0 p.a.
60%
$569.91
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
Suncorp Home Package Plus Fixed
1.89%
2.94%
$0
$0 p.a.
80%
$547.35
A low fixed rate loan available for borrowers with 20% deposits. Refinance to an eligible Suncorp loan and get a cashback of $2,000 or $3,000, depending on your loan amount. Other conditions apply. Annual package fee waived for the first year of the loan.
UBank UHomeLoan Variable Rate
2.49%
2.49%
$0
$0 p.a.
80%
$593.01
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
Suncorp Back to Basics Home Loan
2.54%
2.55%
$0
$0 p.a.
80%
$596.91
$2,000 to $3,000 refinance cashback.
Get a competitive variable interest rate with no application fee or ongoing fees. Refinance to an eligible Suncorp loan and get a cashback of $2,000 or $3,000, depending on your loan amount. Other conditions apply.
St.George Fixed Rate Advantage Package
2.09%
3.46%
$0
$395 p.a.
80%
$562.33
Lock in a low fixed rate for the first two years. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
Westpac Fixed Options Home Loan Premier Advantage Package
2.09%
3.5%
$0
$395 p.a.
95%
$562.33
Up to $3,000 refinance cashback.
Competitive fixed rate home loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply.
UBank UHomeLoan Fixed
1.95%
2.36%
$395
$0 p.a.
80%
$551.82
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
homeloans.com.au Low Rate Home Loan with Offset
2.14%
2.16%
$0
$0 p.a.
60%
$566.11
A competitive rate with no application or ongoing fee. This loan is not available for construction.
Virgin Money Reward Me Fixed Rate Home Loan
2.04%
2.79%
$300
$10 monthly ($120 p.a.)
80%
$558.56
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 29 November 2020 and settle by 28 February 2021.
IMB Budget Home Loan
2.61%
2.67%
$449
$0 p.a.
80%
$602.4
A competitive variable rate for borrowers with 20% deposits saved. Available for NSW and ACT borrowers only.
homeloans.com.au Low Rate Home Loan with Offset
2.24%
2.26%
$0
$0 p.a.
90%
$573.72
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.
Newcastle Permanent Building Society Real Deal Home Loan
2.59%
2.63%
$595
$0 p.a.
80%
$600.83
$2,000 refinance cashback
$2,000 cashback for eligible refinancers borrowing $250,000 or more.
ME Flexible Home Loan Fixed with Members Package
2.19%
3.36%
$0
$395 p.a.
80%
$569.91
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
St.George Basic Home Loan
2.59%
2.61%
$0
$0 p.a.
90%
$600.83
Up to $4,000 refinance cashback.
Competitive variable rate home loan that is available with a 10% deposit. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
IMB Budget Home Loan
2.78%
2.84%
$449
$0 p.a.
90%
$615.85
NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
Bank of Melbourne Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback
A competitive variable rate loan from Bank of Melbourne. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).
HSBC Home Value Loan
2.59%
2.6%
$0
$0 p.a.
80%
$600.83
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
Athena Variable Home  Loan
2.24%
2.21%
$0
$0 p.a.
70%
$573.72
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.
UBank UHomeLoan Fixed
2.14%
2.46%
$395
$0 p.a.
80%
$566.11
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
Bank of Melbourne Advantage Package Fixed Home Loan
2.09%
3.46%
$0
$395 p.a.
95%
$562.33
Competitive fixed rate loan. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
BankSA Basic Home Loan
2.64%
2.66%
$0
$0 p.a.
80%
$604.76
Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply).
homeloans.com.au Low Rate Home Loan with Offset
2.59%
2.61%
$0
$0 p.a.
90%
$600.83
Save on interest with a free 100% offset account and buy your property with just a 10% deposit. This loan is not available for construction.
BankSA Advantage Package Fixed Home Loan
2.09%
3.46%
$0
$395 p.a.
80%
$562.33
Competitive fixed rate loan. Refinancers borrowing $200,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
ME Basic Home Loan
2.58%
2.6%
$0
$0 p.a.
80%
$600.05
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
IMB Fixed Rate Home Loan
1.97%
2.97%
$449
$6 monthly ($72 p.a.)
90%
$553.31
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 10% deposit.
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
2.59%
2.6%
$0
$0 p.a.
110%
$600.83
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, QLD and ACT only.
Athena Variable Home  Loan
2.29%
2.23%
$0
$0 p.a.
80%
$577.55
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.
ME Flexible Home Loan Fixed with Members Package
2.19%
3.3%
$0
$395 p.a.
80%
$569.91
Get a low 3 year fixed rate with a 100% offset account and package discounts.
Virgin Money Reward Me Variable Home Loan
2.59%
2.76%
$300
$10 monthly ($120 p.a.)
60%
$600.83
$3,000 refinance cashback.
A variable rate loan for owner occupiers with a 40% deposit (or equity) borrowing under $500,000. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 29 November 2020 and settle by 28 February 2021.
Athena Variable Home  Loan
2.54%
2.54%
$0
$0 p.a.
60%
$596.91
Investors with large 40% deposits or equity can get this low variable rate. A competitive option for investors looking to refinance.
UBank UHomeLoan Variable Rate
2.89%
2.89%
$0
$0 p.a.
80%
$624.63
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
Newcastle Permanent Building Society Fixed Rate Home Loan
2.58%
3.99%
$595
$0 p.a.
95%
$600.05
$2,000 refinance cashback
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
HSBC Home Value Loan
2.64%
2.65%
$0
$0 p.a.
90%
$604.76
A competitive value home loan with no ongoing fee.
Newcastle Permanent Building Society  Premium Plus Package Fixed Rate
2.48%
3.77%
$0
$395 p.a.
95%
$592.23
$2,000 refinance cashback
Enjoy a discounted fixed rate and the ability to package the loan with other financial products. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
UBank UHomeLoan Fixed
2.29%
2.74%
$395
$0 p.a.
80%
$577.55
Pay no ongoing fees on this investment loan fixed for 3 years.
Athena Variable Home  Loan
2.59%
2.56%
$0
$0 p.a.
70%
$600.83
Athena's refinance offer for investors and owner occupiers.
Heritage Bank Advantage Package
2.39%
3.23%
$0
$350 p.a.
95%
$585.25
Get a partial offset account and flexible repayments with this package loan.
HSBC Fixed Rate Home Loan
2.09%
3.03%
$0
$0 p.a.
80%
$562.33
Lock in a competitive fixed rate for 2 years and buy your home with a 20% deposit.
Heritage Bank Fixed Rate Home Loan
2.19%
4.23%
$600
$8 monthly ($96 p.a.)
95%
$569.91
Get a partial offset account and the option to make interest-only repayments.
Athena Variable Home  Loan
2.64%
2.59%
$0
$0 p.a.
80%
$604.76
A competitive investor variable rate that falls as you build equity.
ME Flexible Home Loan With Member Package
2.74%
3.19%
$0
$395 p.a.
80%
$612.67
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
Newcastle Permanent Building Society Fixed Rate Home Loan
2.38%
4.11%
$595
$0 p.a.
90%
$584.48
$2,000 refinance cashback
Investors can take advantage of a short term fixed rate with no ongoing fees. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
Heritage Bank Discount Variable Home Loan
2.68%
2.73%
$600
$0 p.a.
80%
$607.92
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
Athena Variable Home  Loan
2.84%
2.66%
$0
$0 p.a.
80%
$620.63
A competitive interest-only investor rate with no application or ongoing fees. Requires a 20% deposit.
Newcastle Permanent Building Society Premium Plus Package Home Loan
2.94%
3.34%
$0
$395 p.a.
95%
$628.65
$2,000 refinance cashback
New borrowers or refinancers can get a discounted rate with this package loan. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
Athena Variable Home  Loan
2.84%
2.44%
$0
$0 p.a.
80%
$620.63
Owner occupiers can refinance to one of the most competitive interest-only rates in the market. No application fee and no ongoing fees.
loading

Compare up to 4 providers

Aussie Home Loans Logo

Enter your details and get a free consultation with an expert broker from Aussie.

By submitting this form, you agree to the Finder Privacy and Cookies Policy and Terms of Use

Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2020 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

By submitting this form, you agree to the Aussie privacy policy.

After entering your details a mortgage broker from Aussie will call you. They will discuss your situation and help you find a suitable loan.

  • A comparison of home loans from multiple lenders.
  • Expert guidance through the entire application process.
  • Free suburb and property reports.

Aussie Home Loans Lender Logos

The Adviser’s number 1 placed mortgage broker 8 years running (2013-2020)

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

27 Responses

  1. Default Gravatar
    YinOctober 10, 2019

    If I am not in Australia, but holding a visa of permanent residence, and working abroad, is it possible that I apply for home loan with some documents such as work reference? What documents do I need to provide?

    • Default Gravatar
      NikkiOctober 11, 2019

      Hi Yin,

      Thanks for your comment. I hope you are doing well. As you are an Australian resident working abroad, there are a lot of options for home loans you can choose from and you may refer to this page. You will find a table that compares the features and benefits of each home loan provider such as max loan rate, interest and etc. This way it will be easier for you to see which provider fits you best. If you need further help, a quick guide on how to find the right home loan is also stated on the page. You can also click the compare box beside each loan option and compare up to 4 options side by side for easier comparison.

      If you seek clearer guidance on how to choose a home loan, contact a mortgage broker by filling out the online form above. Someone will get in touch with you as soon as they get your application.

      Note that the requirements and eligibility criteria solely depends on the lender of your choice. As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps and feel free to reach out to us again for further assistance.

      With care,
      Nikki

  2. Default Gravatar
    LeaApril 19, 2018

    I would like to find a financial advisor in my area Melbourne post code 3162

    • Default Gravatar
      NikkiApril 19, 2018

      Hi Lea,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      To speak to a mortgage broker in your area, scroll down to the page to find “I’m ready to find a mortgage broker” and on the Australian map click the city where you live. That will direct you to the mortgage brokers in your area. Choose the company/provider that you piques your interest most and click ENQUIRE NOW.

      Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Cheers,
      Nikki

  3. Default Gravatar
    angelaMay 27, 2017

    I would like to get a new home loan in sydney australia for investment.currently i had already a unit in melbourne. any other enquiry please your contact number/email.
    thank you

    • Avatarfinder Customer Care
      DeeMay 29, 2017Staff

      Hi Angela,

      Thanks for your question.

      If you want to get in touch with a mortgage broker in your area, kindly click the “Enquire now” button above.

      Cheers,
      Anndy

  4. Default Gravatar
    MohammadOctober 27, 2016

    Which banks provide halal home loan?
    In some country HSBC and citi bank has halal loan. Do they have halal home loan in Australia?

    • Default Gravatar
      JodieOctober 27, 2016

      Hi Mohammad,

      Thank you for contacting finder.com.au we are a financial comparison website and general information service.

      There are lenders that will offer sharia-compliant home loans but these are specific specialist lenders, which we outline on our page regarding Islamic Home Loans here.

      Regards
      Jodie

  5. Default Gravatar
    SandyOctober 21, 2016

    Does A broker have to tell you if they plan to sell your loan in the future.
    Can they do so without giving you a chance to refinance with a company(bank) of our own choice.

    • Avatarfinder Customer Care
      JenniferOctober 24, 2016Staff

      Hi Sandy,

      Thank you for contacting finder.com.au we are a financial comparison website and general information service and therefore can only offer general advice and information.

      A mortgage broker does not actually hold your loan once the loan documents have been signed the loan is held by the lender. Broker may sell their client book onto another broker however this only affects any residual commission that may be being earnt by the broker on the loan they assisted you in getting but won’t affect your actual loan.

      If you have any concerns please speak to your broker or lender direct or seek the advice of a financial advisor.

      Regards,
      Jennifer

  6. Default Gravatar
    EmilyAugust 6, 2016

    Hi, I’m planning to buy my first house that worth $520,000. I’m able to pay 20% deposit. I don’t have any debt or credit card debt. However, I’m earning $37,000 p.a. permanent part time. how do I take out the 80% of the home loan. Thanks

    • Avatarfinder Customer Care
      MayAugust 8, 2016Staff

      Hi Emily,

      Thank you for your inquiry.

      Generally, your approval for an 80% Loan-to-Value Ratio (LVR) would entirely depend on the assessment of the lender of the financial factors concerning your ability to repay, income, assets, debts and credit rating. Your capacity of paying a 20% of the property’s value may be a good indicator that the lender may approve you for a loan, but please keep in mind that all other factors will be accounted for.

      If you want to get information on how to calculate your Loan-to-Value Ratio and your high LVR home loan options, please feel free to visit this page. For any professional advice concerning your other home loan options, speaking to a mortgage broker (above) would greatly help.

      I hope this has helped.

      Cheers,
      May

  7. Default Gravatar
    dpJune 24, 2016

    Hi, I am 72 years old, have a full time job and I get finance assistante from centrelink. My question is can I apply for investment home loan ? If yes then who is the mortgage broker or bank I should go. Thanks.

    • Avatarfinder Customer Care
      MarcJune 24, 2016Staff

      Hi Dp,
      thanks for the question.

      I’m unable to say whether or not you could apply for an investment home loan as each lender has their own unique lending criteria which they’ll use to evaluate your application. I would recommend either contacting a number of lenders to find out their eligibility criteria or alternatively contacting a mortgage broker and finding out which lenders they think you will be approved with.

      I hope this helps,
      Marc.

  8. Default Gravatar
    SarahMarch 2, 2016

    Can I get a loan for building on my land I own. On centrelink and banks are not willing

    • Avatarfinder Customer Care
      BelindaMarch 3, 2016Staff

      Hi Sarah,

      Thanks for getting in touch.

      We have a page about home loans for Centrelink recipients where you can see which benefits are accepted by lenders and you can enquire with a mortgage broker.

      You can compare several construction and owner-builder home loans on this page but unfortunately most lenders restrict the loan amount to 60% of the total land value and construction cost. If you don’t have a stable income source or sufficient savings, it may prove difficult to qualify.

      Feel free to read our tips about how owner builders can increase their chance of getting approved for a loan.

      Thanks,
      Belinda

  9. Default Gravatar
    JacDecember 9, 2015

    Hi, we currently live in WA but plan to buy our first home in Tasmania – hopefully in the next 6-12 months. Should we be looking at finding a mortgage broker here, or in Tas? Or does it not really matter?

    Thanks :)

    • Avatarfinder Customer Care
      BelindaDecember 10, 2015Staff

      Hi Jac and Noah,

      Thanks for your inquiry.

      finder.com.au is an online comparison service so we are not licensed to provide you with specific personal advice regarding where you should consult the services of a mortgage broker.

      If you intend to purchase a property in TAS, then I believe you may benefit from using a broker that has expert knowledge of the property market in that location. Additionally, a broker in TAS would be aware of relevant fees and legislation related to your property purchase as these are commonly governed on a state level.

      Thanks,
      Belinda

  10. Default Gravatar
    DanielJune 28, 2015

    First time home buyer:

    I would like to apply for a home loan for rural property in SA, no more than 1 hour from Adelaide. What are the required deposit percentage and what is the max acreage I can apply for and be financed?

    Thanks.

    • Avatarfinder Customer Care
      BelindaJune 29, 2015Staff

      Hi Daniel,

      Thanks for your enquiry.

      The required deposit percentage and the amount of land you can finance will depend on the lender or issuing provider of the loan. Generally, lenders will prefer that your property is under 10ha and banks will be conservative in their lending for properties greater than 200ha in size. Ideally, you’ll need a 20% deposit of the property value but again, this will depend on the lender.

      On this page you can read more about rural or construction home loans and fill out a form to speak with a specialist from Building Loans Australia about your financing needs.

      Kind regards,
      Belinda

Go to site