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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Credit services for Aussie Select and Aussie Optimizer 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. Credit for Aussie Optimizer products is provided by Perpetual Ltd ACN 000 431 827.

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 AFSL and Australian Credit Licence 234945. © 2017 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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

  • FREE consultation and ongoing advice. Easy to understand no obligation advice.
  • Getting your competitive rates across 2900+ loans.
  • Help with your loan application and eligibility criteria.
  • 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 4 years running (2013-2016)

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
  • 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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69 Responses

  1. 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?

    • Staff
      JonathanAugust 10, 2017Staff

      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

  2. 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

  3. 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

  4. 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
      AnndyMay 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

  5. 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.

  6. Default Gravatar
    TonyMay 26, 2016

    can I get a home loan on an aged pension?

    • Staff
      MarcMay 30, 2016Staff

      Hi Tony,
      thanks for the question.

      Borrowers can get a home loan on an aged pension but there may be extra restrictions or requirements. Lenders will look at this on a case-by-case basis. To speak with a broker about your situation please fill out the form on this page.

      I hope this helps,
      Marc.

  7. Default Gravatar
    DebFebruary 1, 2016

    Are their any lenders who will take family tax benefit and Newstart income into account when my sole dependent is 15. I work part-time also.

    • Staff
      ElizabethFebruary 1, 2016Staff

      Hi Deb,

      You can read our guide on borrowing while receiving Centrelink payments, as well as find a list of lenders who may consider you on this page.

      I hope this will help.

      Thanks,

      Elizabeth

  8. Default Gravatar
    SaniraNovember 9, 2015

    Hi I’m on Centrelink payment and so is my husband. I need a home loan amount of $130,000 as I want to transfer house from my daughters name to ours cause she’s getting married, and there’s $1,300,000 owing on it which bank will lend me?

    Thanks.

    • Staff
      MarcNovember 10, 2015Staff

      Hi Sanira,
      thanks for the question.

      You’ve come through to finder.com.au. To speak with an expert from Aussie please fill out the form at the top of this page, and you will be put into contact with a local Aussie Mortgage Broker in one business day.

      I hope this helps,
      Marc.

  9. Default Gravatar
    KevinApril 16, 2015

    Can I get an asset based loan on my city unit in order to purchase a second property in the country?

    • Staff
      JodieApril 28, 2015Staff

      Hi Kevin,

      Thank you for your enquiry.

      Generally speaking you should be able to use any equity you have on your unit to help with the purchase of a second property but you may want to contact a mortgage broker or lender directly to speak to about your specific needs and whether or not it would be possible

      Regards
      Jodie

  10. Default Gravatar
    nadirApril 1, 2015

    hi there, I just want to get home loan for the near future can I get someone to get a home loan with a low rates?

    • Staff
      ShirleyApril 7, 2015Staff

      Hi Nadir,

      Thanks for your question.

      Please note that finder.com.au is an online comparison service and does not represent Aussie Mortgage Brokers.

      If you would like to discuss your eligibility or options, please get in touch with Aussie by clicking on ‘enquire’.

      Cheers,
      Shirley

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