If you're looking for a good home loan but don't know where to start, an Aussie mortgage broker can help you find a competitive deal.
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
Aussie can compare thousands 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 won The Advisor's Top Broker award every year since 2013. Aussie is a mortgage broker, not a bank. Credit for Aussie's own mortgage products is provided by Residential Mortgage Group Pty Ltd, Pepper Finance Corporation Limited and Bendigo and Adelaide Bank Limited.
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How we picked theseWho do Aussie mortgage brokers work with?
When you go to an Aussie mortgage broker they will compare home loans from over 20 different brands to find which one is right for you (keep in mind that not every Aussie broker will have access to loans from all 20 lenders):
- AMP
- ANZ
- Aussie
- Bank of Melbourne
- BankSA
- Bankwest
- Commonwealth Bank
- Heritage Bank
- HomeStart
- HSBC
- ING
- Keystart
- Liberty Financial
- Macquarie Bank
- ME Bank
- MyState
- NAB
- P&N Bank
- Pepper Money
- 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.
Aussie mortgage broker services will offer you:
- A fee-free appointment. Aussie mortgage brokers are able to offer you their time and knowledge 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 thousands 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 and tools to help you.
- 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 broker 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.
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 right home loan for you and your family, compare these exclusive Aussie benefits:
- Consecutively awarded ‘Australia's Top Mortgage Broker’. Aussie has won The Advisor's Top Broker award every year since 2013.
- Toolbox. The Aussie Toolbox software compares thousands of loans from a range of 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.
- Qualifications. All Aussie mortgage brokers are fully accredited by the Mortgage & Finance Association of Australia (MFAA) and have a Certificate IV (Financial Services) Mortgage Broking.
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.
Aussie is not currently available via Finder, but you can visit www.aussie.com.au for more information.
Disclaimer
Aussie is a trade mark of Lendi Group Distribution Pty Ltd. © 2023 Lendi Group Distribution Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786
Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by Lendi Group Distribution 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 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
All applications are subject to lender assessment and approval, terms and conditions apply.
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I have a great job, earning near $85k a year on paper. I have a car loan of $15k on finance. I also have a poor credit rating due to a couple of defaults. I want to buy a unit for my daughter and I, and I am looking at about $250k – $300k. I only have a small deposit of $5k-$10k. I currently pay private rent of $1500 a month and afford that easily. I am needing help to get into my own home due to little deposit and low credit score, who can help me, is a mortgage broker free of charges?
Hi Kylie,
Thank you for getting in touch with Finder.
They are free of charge because mortgage brokers receive a commission from lenders. This compensation will vary depending on the lender as well as the size of the transaction.
Basically, low deposit home loans require 5% deposit. In your case if you need to apply for a low deposit home loan of $250,000 your deposit must be at $12,500. You may refer to our guide in applying and getting approved for a home loan for bad credit. Please make sure that you seek professional help from a mortgage broker regarding your home loan application.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi I am enquiring about a loan to complete the construction of a home. We are owner builders with $100k in a savings account but would like to borrow another 350k to finish the build. We own the land valued at $350,000 We have an annual gross income of 124,649 no personal loans or credit card debt or dependants. We have a $201,000 mortgage with Combank which we are comfortable repaying at $500 per month.
Hi Polly,
Thanks for your inquiry.
If you are looking to apply for a loan to finish the construction of your home, a construction loan may be the right loan for you. This loan is for making major renovations to your existing home or to a property you have bought but which needs a bit (or a lot) of work before you call it home.
You can click the link above to compare your options. Please click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Hope this information helps
Cheers,
Arnold
I want to make face to face appointment with a broker today. Postcode 2256
Hi Elaine,
Thank you for getting in touch with finder.
In this page, please enter your full name, phone number, postcode or suburb and email address then you’ll get a call from a mortgage broker.
Since you want to have a face-to-face appointment then you can let them know while on the phone and they’d certainly give you options on your request.
I hope this helps.
Have a great day!
Cheers,
Jeni
I earn about $40,000, and would like to buy a home. No debts.
Hi Mic,
Thank you for reaching out. If you like to get advice from Aussie Mortgage Brokers, please fill out the form above and someone will in touch. Otherwise, you can also speak to other mortgage brokers who can take all your circumstance into account and offer you a range of lending options.
Meantime, if you like to check and compare home loans offered in the market, you may refer to our comparison table to help you find the insurer that suits you. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and eligibility. When you are ready, press the “Go to site” button to be redirected to the lender’s website where you can proceed with your application.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Cheers,
May
Hi,
I am looking into renovations for my home….. I have estimated I will need around 25,000 for the renovations. My current home loan is with Westpac and my interest rate is 3.96%. I owe 169,000 on the loan and my home is valued at a little over 195,000 without the renovations. My loan repayments are 400.00 per month I could afford to pay around 480.00 per month if required. It appears that my best option is to refinance, I would really appreciate any advice you could offer.
Thank you
Hi Susan,
Thanks for getting in touch with Finder.
Indeed, one of the options that you have is to refinance your home loan. Please refer to our comparison table to find lenders who can help you do home loan refinancing.
Moreover, another option you can explore is to look for home improvement and renovation loans.
Please click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.
If you need a more personalised answer, please feel free to contact Aussie Home Loan brokers by using the form above or consider other mortgage brokers.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua