Online Mortgage Brokers

If you need a broker but don't have time for face-to-face meetings, try an online mortgage broker.

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Online mortgage brokers can help you get the home loan you need without having to meet anyone in person. They're an ideal choice for time-poor or remote borrowers who need home loan advice.

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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. ©2019 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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An Aussie mortgage broker can find the right home loan for you.

  • 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.

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The Adviser’s number 1 placed mortgage broker 7 years running (2013-2019)

Compare more brokers in the table below

Updated November 21st, 2019
Name Product Upfront consultation fee Variable rates from Comparison rates from Lenders on panel Apply Now
$0
2.99%
3.02%
22
Aussie is a long-established mortgage brand with over 1,000 brokers across the country.
$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.
$0
3.03%
3.04%
35
Finsure has a large panel of lenders and offers flexible mortgage solutions for borrowers.
Mortgage Choice
Mortgage Choice
$0
3.03%
3.04%
20
Mortgage Choice's extensive broker network can help you find the right home loan.

Compare up to 4 providers

What is an online mortgage broker?

Online mortgage brokers are very similar to bricks and mortar brokers; they communicate with banks and lending institutions, but online brokers do so on the web and through their website.

They might use a combination of video and regular phone calls to help you discuss your options, fill out applications, get quotes, pay fees and even manage your account.

You may be asked to upload any relevant mortgage documents (identification, bank statements, details of your assets and expenses) and send them to your broker or lender rather than go into a branch or broker office yourself.

The pros and cons of using an online mortgage broker

Pros

  • You can always reach your broker from any location with internet access. This can valuable for those who are physically unable to visit an office, or those who travel frequently for business. It's also a great choice for families who just don't have the time to visit an in-person broker with children in tow.
  • Visiting an online broker can also sometimes save you a great deal of money. In some cases, online brokers may have a much wider reach than a bricks and mortar broker.

Cons

  • It can be difficult to determine whether the broker is reputable and experienced. You should have an understanding of how to detect scam sites. It can be helpful to search for the mortgage broker's information elsewhere on the web; typically, you will find little to no info on scammers, whereas reviews, listings, and information will exist about legitimate brokers. Always verify that the broker has a telephone number and mailing address on their website. This will help you to stay safe.
  • Some complex deals may require a face-to-face meeting. If your home loan needs are more complex, an online broker may not be an option.
  • Ask others. The safest way to choose an online mortgage broker is to be referred by someone you trust. Start by asking around; word of mouth is a surprisingly effective way to find great services. If you don't have word of mouth to go on, research the broker online.
  • Contact the Mortgage and Finance Association of Australia or the Finance Brokers Association of Australia. These organisations are the representative bodies for the mortgage broking industry. By law, brokers have to be a member of at least one of the organisations. The MFAA and FBAA hold their members to codes of conduct and standards of practice. They can also help to direct you to a broker who is able to provide you with the services you need.

Choosing an online mortgage broker can be a great way to access lending services, but it is important that you research your broker carefully. With a little effort, you'll come out with a great rate or deal from a broker who you feel confident in trusting with your financial information.

Learn more about mortgage brokers here

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4 Responses

  1. Default Gravatar
    GregDecember 5, 2018

    Hey, These aren’t online brokers?

    • Avatarfinder Customer Care
      JohnDecember 10, 2018Staff

      Hi Greg,

      Thank you for your question.

      The online mortgage brokers on the finder page would require for you to provide your information as well as what you are looking for via an online form. Once completed and submitted, the online broker will be sending you an email quote on your query that could assist you to start the process of taking out a home loan. Hope this helps!

      Cheers,
      Reggie

  2. Default Gravatar
    chantelleOctober 16, 2014

    hi I was wondering if u can help me I am after a fist time home buyer and I want to borrow 200,000 to get a home I have 20,000 deposit but problem is I am on a pension and I have two kids and no one wants to look at me I pay 570 per fortnight in rent at moment I sick of it

    • Avatarfinder Customer Care
      ElizabethOctober 16, 2014Staff

      Hi Chantelle,

      Thanks for your question.

      You might want to take a look at this page to learn about home loans for people receiving the pension. You may also want to speak to a mortgage broker as they would be able to advise you of lenders and loan options that are available to you.

      I hope this has helped.

      Thanks,

      Elizabeth

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