Aussie Mortgage Brokers

An Aussie Mortgage Broker can help you find the right loan and walk you through every step of the process.

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You tend to get second opinions on the little things, so why not get one on your current home loan? A free expert second opinion from Aussie could potentially save you thousands of dollars. Even if you don't have a home loan now but you're in the market looking for one, an Aussie Mortgage Broker can help you find a competitive deal.

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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 IQ and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 ("Aussie"), and its appointed credit representatives. 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 Optimizer products is provided by Perpetual Limited ABN 86 000 431 827 (Lender). Credit for Aussie IQ is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. Home loans issued by the Lender are serviced by Macquarie Securitisation Limited ABN 16 003 297 336, Australian Credit Licence 237863 (MSL).

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. ©2018 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

By submitting this form, you agree to the finder.com.au privacy policy and the Aussie privacy policy.

Aussie Home Loans is both a lender and a mortgage broker, and offers a range of services.

  • FREE Suburb and Property Report with every appointment.
  • Access 3,000+ loans from over 20 lenders.
  • Get expert help with your loan application, including paperwork and eligibility.
  • Over 1000 brokers who are able to help you in your local area.

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The Adviser’s number 1 placed mortgage broker 5 years running (2013-2017)

You probably know that when choosing a home loan, you when will need to compare and choose the lender as well as the loan. A choice you may not have known was open to you is using the services of a mortgage broker. A broker has the industry experience and the expert knowledge to help with your choices and comparisons.

Aussie Mortgage Brokers

Enjoy a flexible range of options and low interest rates with Aussie Home Loans. Compare home loans from a panel of lenders, including the major banks.

Aussie can compare hundreds of home loans to help find the right deal for you. You'll get a free appointment and will get to see all the features of a loan, like exit fees and penalties, as well as the rates.

Aussie has been named Top Mortgage Broker by The Adviser magazine for the last four years.

To help you with your choice of broker, bank and home loan, we've compiled some of the information you need to make a comparison of Aussie Mortgage Brokers, including:

  • Details of mortgage broker services.
  • The qualifications and training of Aussie Mortgage Brokers.
  • The difference between a mortgage broker and a bank.
  • The benefits of using a mortgage broker.

Who do Aussie Mortgage Brokers work with?

When you go to an Aussie Mortgage Broker they will compare home loans from up to 20 different brands to find which one is right for you:

  • Adelaide Bank
  • AMP
  • ANZ
  • Aussie
  • Bank of Melbourne
  • BankSA
  • Bankwest
  • Commonwealth Bank
  • Citibank
  • Heritage Bank
  • ING Direct
  • Liberty Financial
  • Macquarie Bank
  • ME Bank
  • MyState
  • NAB
  • P&N Bank
  • Pepper
  • St George
  • Suncorp Bank
  • Virgin Money
  • Westpac

What does a mortgage broker like Aussie do?

A mortgage broker will do all of the hard work and research in comparing loans and lenders based on your needs and eligibility. Your broker will also negotiate with your chosen lender on your behalf to make sure you are getting the right deal, and they could even organise to have annual or application fees waived.

Aussie Mortgage Broker services will offer you:

  • A fee-free appointment. Aussie Mortgage Brokers are able to offer you their time and advice for free, because they are paid a commission by the lender you choose once your mortgage is settled.
  • Time-saving home loan comparison. The key to finding the right home loan and one which will see you through your home repayments as easily and affordably as possible is taking the time to make comparisons of each loan product. However, there are literally hundreds of loans available in Australia at the moment and few people have the time to compare each one. That is where Aussie comes in because they do have the time.
  • Easy to understand guidance. If you have a host of questions about your home loan and were to spend the time asking a lender for all this information, you might feel obligated to sign with that lender. However, when you deal with an Aussie Mortgage Broker they will explain the details of each loan and answer all of your questions so you're happy with your choice and can make an informed decision.
  • Loan application assistance. Filling out the loan paperwork can be confusing and if you get it wrong, you could jeopardise your chances of loan approval. With Aussie making sure your eligibility criteria are satisfied and your application is completed correctly you have one less thing to worry about.
  • An ongoing service and relationship. You can use an Aussie Mortgage Broking service for your first home, your second, third or fourth home, or for an investment property loan. Aussie can also help you negotiate a refinance of your existing loan to help you get a better deal or free up the equity in your property.

Why choose Aussie Mortgage Brokers?

Aussie are not the only mortgage broker in Australia, and so to help you decide whether they can help you with your home loan needs, consider their experience, qualifications and approach to lending.

With Aussie you are getting a mortgage broker who:

  • Takes a personal approach. Your Aussie Mortgage Broker will focus on your individual situation to identify your needs, and the type of loan, lender and features which will be the right one for you.
  • Identifies your individual needs. Using their unique Toolbox software Aussie can match your home loan needs to the hundreds of loans on offer from Australian lenders big and small.
  • Meets when and where you’re comfortable. You can organise to meet an Aussie Mortgage Broker at your home, an Aussie store or wherever else is convenient.
  • Sees your lending to the end, and beyond. Aussie Mortgage Brokers will identify your needs, match you to a loan, and stay with you through the application process. They will help you through settlement of your loan and explain where you have to sign, and more importantly what you’re signing. Plus, if you have any problems with your loan after settlement, your broker can talk to the bank on your behalf, or help you organise a refinance further down the track.
  • Is fully qualified and certified. All Aussie Mortgage Brokers are fully accredited by the Mortgage & Finance Association of Australia (MFAA) and have a Certificate IV (Financial Services) Mortgage Broking.

What is the difference between seeing a mortgage broker over a bank?

If you approach just one or two lenders you are not going to get an accurate picture of the loans available in Australia because if you see lender A and tell them your needs, they may not have a product which will meet those needs, and they’re not going to tell you to see lender B who does have the right loan. Instead you end up being told the loans on offer are the ones which are right for you.

When you work with a mortgage broker it is their job to tell you whether the loan from lender A or from lender B will be right for you, or whether the new product from lender C is really the way to go.

Your Aussie Mortgage Broker will also read and explain all of the fine print. Understanding the fine print also allows you to accurately compare the cost of each loan because a low interest rate loan may have a high monthly fee or penalise you severely for additional repayments or a redraw facility.

What are the benefits of choosing an Aussie Mortgage Broker?

If you’re looking for a few more reasons to instil your trust in an Aussie Mortgage Broker to secure you the best home loan for you and your family, compare these exclusive Aussie benefits:

  • Consecutively awarded ‘Australia's Top Mortgage Broker’. Aussie Mortgage Brokers have been named 'Australia's Top Mortgage Broker' at The Adviser's awards consistently between 2013-2015.
  • Toolbox. The Aussie Toolbox software compares hundreds of loans from up to 20 Australian lenders, including the big banks. The software is constantly updated and takes into account honeymoon interest rates and other discounted rates to give you an accurate picture of the true cost of a home loan.
  • Assess your eligibility and needs in minutes. The Toolbox software can also tell you how much you may borrow and what your repayments will be.
  • Organise preapproval. An expert Aussie Mortgage Broker can meet with you before you start your search for your dream home, so you can be sure of the budget you have available for repayments, and your borrowing capacity.

Aussie Mortgage Brokers can offer you a comprehensive service and personalised advice at a time when there is a lot of information coming at you, and very little time to digest it all.

Enquire with Aussie today

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79 Responses

  1. Default Gravatar
    KiranJanuary 5, 2018

    Hi I am in search for my first home.
    Currently following up with few brokers but not getting enough support.
    We have $80000 gross income per year and $2700 per year for family benefits.
    Around $19000 credit loan.
    Saving 25000 at account and will get 25000 as gift from family.
    My question is how much loan can I get ?
    If I buy a house, Do I get FHOG ?
    Can I organise 10% of buying property after I can get pre approval of the loan ? Or it has to be now in the account ?
    Is stamp duty free ?
    Can I get enouh loan to pay credit loan and home loan accumulated ?
    I need someone who is available all the time and do require process for loan.

    Thanks

    • Staff
      RenchJanuary 5, 2018Staff

      Hi Kiran,

      Thanks for your inquiry. Please note that we are not affiliated with Aussie Mortgage Brokers or any company we feature on our site and so we can only offer you general advice.

      Please fill out the form on this page and click on ‘Enquire Now’ button. I suggest to get advice directly from a mortgage broker regarding your concern. Once you filled out the form, someone will get in touch with you.

      Best regards,
      Rench

  2. Default Gravatar
    TroyDecember 31, 2017

    I am self employed since May 2017 what are my chances of getting a loan.I have one employee on my payroll .I have no major debts at present and own a tip truck and two bobcats.

    • Staff
      ArnoldJanuary 2, 2018Staff

      Hi Troy,

      Thanks for your inquiry

      There are options for getting a home loan even if you’re self-employed. Please check out this page for more information.

      Hope this information helps

      Cheers,
      Arnold

  3. Default Gravatar
    kenDecember 5, 2017

    I am wanting to develop our already existing coffee shop to a food takeaway
    I am looking for an equity line of credit that works in the same manner as an overdraft.
    Ie — say I get equity of an amount and I only use half to 2/3rd of it, I pay each month an amount on the used portion and the balance remains available to be drawn on,, if required later on, for touch ups or wages and we pay the interest amount on that portion used.

    • Staff
      MayDecember 13, 2017Staff

      Hi Ken,

      Thank you for your inquiry.

      Just to confirm, what type of line of credit you’re looking for, is it line of credit personal loan or home loan? If ever you’re looking for a line of credit personal loan, you may like to check this page to get information from our guide and compare your options. For home loans, you can refer to this page instead. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and chances of approval.

      Hope this helps.

      Cheers,
      May

  4. Default Gravatar
    johnNovember 20, 2017

    I own my own home in Sydney lower north shore. I need to borrow around $400000 against my home equity, currently valued at $1.6M. I am a self funded retiree and am considering to buy a holiday house in the Sunshine Coast. Does any lender cater for this?

    • Staff
      JoanneNovember 20, 2017Staff

      Hi John,

      Thank you for visiting finder, we are an Australian financial comparison website and general information service.

      Should you wish to know more about equity loan and line of credit loan, you may go ahead and read this guide to learn how they work and what they can do for you. Listed on the same page is the list of lenders that offer this type of loan.

      Alternatively you may also enter your details on the boxes found above for you to speak directly with an expert.

      Cheers,
      Joanne

  5. Default Gravatar
    kevinNovember 12, 2017

    Gooday! i wish to purchase a workshop in lockhart nsw,the purchase price is $85000, i have over $50000 in my account,I’m on a dsp pension and can make repayments easliy, it dosen’t have a kitchen or bathroom as yet so a home loan cant be it’s a workshop,so what kind of loan do i apply for?

    • Staff
      JoanneNovember 13, 2017Staff

      Hi Kevin,

      Thanks for reaching out.

      If the property itself is to be leased by businesses, then a commercial loan can be used for that option. Examples of this include warehouses, office buildings and retail stores. If the purchase is a residential property for investment, another option to be considered would be investment property loans.

      Alternatively, you may opt to speak with an expert or mortgage broker that way they can offer you a more specialised advise.

      Cheers,
      Joanne

  6. Default Gravatar
    WonderAugust 9, 2017

    I’m an Australian citizen has income from overseas. Based on my income alone I know I won’t be able to get the loan I anticipated. My question is if I can include my spouse’s income but buy the property under my name only, (my spouse is American citizen, doesn’t have PR here), and get the loan per combined income. Will I be treated as overseas investor or local?

    • Default Gravatar
      JonathanAugust 10, 2017

      Hello Wonder,

      Thank you for your inquiry.

      Based on the details you have mentioned above, it is likely that your loan application may be classed as a foreign investor, hence it is of good recommendation that you speak to a mortgage broker who has expat lending experience to tackle this.

      There are only certain currencies that are being considered on the loan application, and not all lenders will be weighing this. You may consider low income home loans and those with guarantor as your alternative.

      Please read the fine print of the lending product as well as their eligibility requirement before applying.

      Hope this helps.

      Cheers,
      Jonathan

  7. Default Gravatar
    ReenAAugust 8, 2017

    Hi I have a car loan $31000 and a personal loan of $30000 and my income is $60000 I was wondering if there is a home loan to pay both loans off and with the remaining money purchase a home with?

    • Staff
      RenchAugust 8, 2017Staff

      Hi ReenA,

      Refinancing to a debt consolidation loan involves reviewing your existing debts (and mortgage), and combining them into a new mortgage so that you have one monthly repayment, instead of several repayments.

      Many consolidate their debts to try and make their loan repayments more affordable. However, this strategy must make financial sense where the cost of the new loan including fees and interest is less than what you are currently paying on all your debts.

      You can get helpful information on this page. I suggest speaking to a mortgage broker directly for further assistance.

      Cheers,
      Rench

  8. Default Gravatar
    MargieMay 14, 2017

    Single mom, 2 dependents, personal income $23,000 but receive $34,500 child support plus $2400 Centrelink payments annually to make total of $59,900 annual income

    Currently, have $400,000 equity in a rural lifestyle loan.

    Can I get a loan from utilizing child support and Centrelink payments on top of my annual income?

    • Staff
      LiezlMay 15, 2017Staff

      Hi Margie,

      Thanks for your question.

      Just to confirm though, you have reached finder, not actually Aussie Mortgage Brokers. If you want to speak to a broker from Aussie about a home loan, please enter your details on the online form above and click the Enquire now button.

      Some lenders will accept child support and Centrelink payments as income if you decide to take a loan. You can check the lenders listed, who might grant you a loan, on this page. Please get in touch with a few lenders or a mortgage broker to discuss your options and eligibility.

      Meanwhile, you may want to read our guides on home loans for Centrelink recipients on this link and this link, too.

      I hope this has helped

      Cheers,
      Liezl

  9. Default Gravatar
    RachApril 19, 2017

    Hi – am an Australian citizen currently based overseas, looking to remortgage Aussie investment property.
    Any issues with foreign salary (USA) as proof of income?
    Thanks!

    • Staff
      LouMay 7, 2017Staff

      Hi Rach,

      Thanks for your question.

      One of the main issues to consider when you apply for an expat home loan (for Australian citizens, living abroad) is that each lender has its own approach when it comes to foreign income. Most Australian lenders will only accept a certain percentage of your foreign income, which allows a lender to protect itself against factors such as fluctuating exchange rates.

      Using foreign income for a mortgage is a complex and confusing topic. It would be best if you seek legal and taxation advice to make sure you satisfy all regulatory requirements.

      Cheers,
      Anndy

  10. Default Gravatar
    MandyJune 30, 2016

    Hello my name is Mandy I would like to know about getting a home loan, I am on a Disability Pension and I have a bad credit.
    thanks
    Mandy

    • Staff
      MarcJuly 1, 2016Staff

      Hi Mandy,
      thanks for the question.

      Please read our ‘home loans for pensioners’ guide to find out more, or alternatively to speak to a mortgage broker from Aussie by filling out the form on this page.

      I hope this helps,
      Marc.

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