1300 Home Loan Mortgage Brokers

A 1300 Home Loan mortgage broker can help you navigate a confusing home loan market.

Given the huge number of lenders and home loans from which to choose from, narrowing down your choices to any one loan is no easy task. There’s also a fair amount of research when finding a suitable loan, which you may not have the time for. This is why a number of borrowers turn to mortgage brokers such as a broker from 1300 Home Loan.

1300 Home Loan works with a large variety of Australian lenders to offer you a wide array of products, so you can expect to find loans specific to where you live. Your 1300 Home Loan mortgage broker has access to products listed by national lenders as well as local lenders, and these aren’t limited just to banks, but also credit unions and other lending institutions as well.

Who is 1300 Home Loan?

Based in Sydney, 1300 Home Loan is one the nation’s largest mortgage broker companies, and has access to over 200 mortgage brokers across Australia in cities like Sydney, Melbourne, Perth, the Gold Coast, Canberra and Brisbane. If you live in a remote or rural area, you can benefit through their online or mobile mortgage brokers. It should also be noted that each mortgage broker is privately owned, so you’ll know at all times who you’re dealing with.

1300 Home Loan brokers have access to home loans offered by most of the leading names in the business, as well as smaller local lenders. All these brokers are members of either the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (BFAA), and they are in compliance to the Privacy Act when it comes to safeguarding your personal and financial information.

Mortgage brokers who work with this company offer their services to a range of borrowers, from owner-occupiers upgrading to a new family home to first time home buyers and investors. Once you choose a 1300 Home Loan broker you can expect him or her to negotiate with lenders on your behalf and find you the best possible deal. As a result, you can expect to save money by finding home loans with lower interest rates, and your broker can also help you look for products that offer specific features which can help you save.

1300 Home Loan is also a highly recognised mortgage broking service. Please read on to learn more about their achievements:

  • Australian Broking Awards 2012. 1300 Home Loan was a finalist in the 'Best Innovator', 'Best Marketing' and 'Best Web Presence' categories.
  • Australian Mortgage Awards 2012. 1300 Home Loan was a finalist in the 'Most Effective Internet Presence' and 'Best Industry Advertising Campaign'.
  • City of Sydney Business Awards 2012. They were also a finalist in the 'Marketing & Communications' category of these awards.

Who do 1300 Home Loan Mortgage Brokers work with?

Some of the lenders that 1300 Home Loan brokers work with include:

  • Adelaide Bank
  • AMP
  • ANZ
  • Bankwest
  • Bank of Melbourne
  • BankSA
  • Commonwealth Bank
  • Citibank
  • Heritage Bank
  • Homeside
  • ING DIRECT
  • La Trobe Financial
  • Macquarie Bank
  • NAB
  • Resimac
  • St.George
  • Suncorp
  • Westpac

Before approaching any lender on your behalf your broker works through your financial situation and understands your future plans and goals. It’s only after understanding your existing financial situation and taking into account what the future might hold does your broker look for options made available by different lenders.

What does it cost?

As long as you are looking for a residential mortgage, the services of a broker from 1300 Home Loan won’t cost you anything. Rather, the broker gets a commission or a fee from the lender you choose. All 1300 Home Loan mortgage brokers follow a full disclosure policy in this regard.

Services that your 1300 Home Loan broker provides as part of this includes giving you loan information and comparing suitable alternatives, negotiating with lenders on your behalf, and taking care of all the paperwork that the process involves.

Find the right loan for you

Getting a home loan can be confusing given that there’s no shortage of options from which to choose. Selecting a product can be difficult with the large variety to chose from and the financial jargon which comes with it. The good thing is you can turn to a professional mortgage broker to do the homework for you, and since most good mortgage brokers don’t charge you anything, it can be worth your while to find out what one can offer.

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11 Responses

  1. Default Gravatar
    DeanFebruary 4, 2016

    I’m selling my property for 220,000 which i own outright
    I pay approx 60 per week body corp bills plus rates etc
    I’m looking to borrow 40-50,000 to get a bigger house in victoria which will have no body corp fees
    I’m unemployed but the money I save would cover a mortgage as well as having so much equity
    Is there a way I can get a loan??

    • Staff
      MarcFebruary 5, 2016Staff

      Hi Dean,
      thanks for the question.

      To speak to 1300 Home Loan directly about your situation, fill out the form on this page and a broker will get into contact with you.

      Please note that lenders will want to see evidence of an income and employment to show that you can afford the loan. In the case of investors or self-employed borrowers who can’t prove their income, low doc loans can be applied for.

      I hope this helps,
      Marc.

  2. Default Gravatar
    ScottJanuary 22, 2016

    Hello,

    I’m looking to consolidate debt and make some vital repairs on home, our current loan is with Bendigo bank 258,000 and have 21,000 cc debt. We also have a personal car loan almost paid off with SCCU owing approximately 6,000 . Our home is roughly valued at 375,000-380,000 . We have some vital repairs to make as well Termite damage and ongoing pluming issues as well as a few cosmetic repairs that we would like to take care of… We make approximately 95,000 before tax and have one dependent. Could you please give me advice.

    Cheers,

    • Staff
      BelindaFebruary 2, 2016Staff

      Hi Scott,

      Thanks for reaching out.

      You’ve come through to finder.com.au which is a financial comparison service so unfortunately I can’t provide you with personal advice or recommend specific products to you, but hopefully I can point you in the right direction.

      When consolidating debt, you need to be careful about combining short-term debt with long-term debt as even though you may be able to attract a lower interest rate for your credit card and personal loan debt by combining it with your mortgage, you will be paying off the debt over a longer term and you may end up paying higher interest charges.

      You can learn more about refinancing for debt consolidation on this page to ensure that it’s the right choice for you.

      On the above-linked page, you can enquire with a mortgage broker to discuss your borrowing options.

      All the best,
      Belinda

  3. Default Gravatar
    DianeJuly 9, 2015

    Hi,
    what chance would I have on a disability support pension in getting a loan of between say 100,000 and 130,000. if I have a deposit of 50,000. and I am not first home buyer

    • Default Gravatar
      JamieDecember 14, 2015

      How can I use the equity in my current home loan private vendor. Towards refinance with another leander ? How do I get a valuation on the property , should I contact a real estate agent or will the broker sort the valuation .

    • Staff
      JodieDecember 14, 2015Staff

      Hi Jamie,

      Thank you for reaching out to finder.com.au a financial comparison website and general information service.

      We are not qualified to offer specialised advice, generally speaking however, you can use any equity you have built up in your property to refinance with a new lender and in the process of doing this the lender will do a valuation of your home in order to gauge how much it is worth. A mortgage broker will simply assist you with the application process for a home loan or refinancing loan so please feel free to use the form on this page to contact 1300HomeLoan and one of their brokers will be in touch.

      Regards
      Jodie

    • Staff
      JodieJuly 10, 2015Staff

      Hi Diane,

      Thank you for your comment on finder.com.au, a financial comparison website.

      Please use the form on the page above to contact 1300 Home Loan Mortgage Brokers and one of their representatives get in touch to discuss your needs and what products are available to you.

      Regards
      Jodie

    • Staff
      BelindaJuly 10, 2015Staff

      Hi Diane,

      Thanks for your enquiry.

      Please note that finder.com.au is an online comparison and general information service and we don’t offer loans ourselves.

      Generally lenders will review your application on a case-by-case basis. Your eligibility for a home loan will depend on the amount of income benefit you receive and how much of this is used to service the loan.

      Please note that you may be required to supply extra documentation including bank statements showing the benefit being deposited into your account as well as a letter from the Department of Human Services, or Centrelink, confirming the status of your disability support pension.

      On this page you can learn more about home loans for pensioners and enquire with a mortgage broker to discuss your options.

      Thanks,
      Belinda

  4. Default Gravatar
    micheleMarch 25, 2015

    I am looking to but a property 25.25 acres how much deposit do I need

    • Staff
      ShirleyMarch 25, 2015Staff

      Hi Michele,

      Thanks for your question.

      Please note that finder.com.au is an online comparison service and does not represent 1300 Home Loan Mortgage Brokers. If you would like to discuss your eligibility or options, please get in touch with them directly.

      Cheers,
      Shirley

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