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Finance Specialist Gold Coast | 101mortgage

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Home Loans

Providing a tailored home loan solution for you

We work tirelessly to find a personalised home loan deal for you – whether you’re buying your first home, investing in a commercial property, or needing a bit of extra money for renovations.
We aren’t attached or affiliated to any one bank, instead we work with over 30 lenders (not just banks) across Australia to find the right mortgage options for you.

Getting Started

Refinancing or finding and purchasing a property is a complicated and sometimes emotional decision. Many buyers find their dream home, but realise they must commit immediately or lose the opportunity of a lifetime. What is more, many don’t know, or are daunted by, the home loan process. If you are looking to buy a property, would you know what is required to secure your finance, or have any idea of the long-term commitment of making such an important financial decision?

Here are the six easy steps that will guide you through the home loan process, and with a little preparation and organisation, you will be able to minimise the headaches and speed up your mortgage application.

1.Find a broker
By meeting with a professional mortgage broker, you may save yourself a large amount of time, effort, and even money in finding the most suitable product and organising your home loan.

2. Analyse your financial situation
Prior to meeting with your mortgage broker, do some research on how much you may be able to borrow and do a general search on what features and products are available.

3. Gain loan pre-approval
Obtaining a loan pre-approval can speed up the mortgage application process, and could mean the difference between obtaining your home loan and missing out altogether.

4. Your loan application
This is where it gets tricky so it is a good idea to have your mortgage broker on hand to help you maintain and manage the process.

5. Your loan approval
Once the lender has approved your loan application, you will receive a loan offer letter which sets out the legal conditions that apply to your loan.

6. Settlement
The day has finally arrived! The forms have been processed and your lender will be sending a letter confirming the transaction details

More information on home loans

Why use a Broker

By meeting with a professional mortgage broker, you may save yourself a large amount of time, effort, and even money in finding the most suitable product and organising your home loan. We are here to listen to your needs, recommend lender products that match your situation, explain your options, and assist with the paperwork. The services offered may vary so it is recommended to use a mortgage broker accredited with the MFAA, who has high service ethics and the minimum education standards of a Diploma in Financial Services as some only require their brokers to hold a Certificate IV in Financial Services (Finance/Mortgage Broking).

It pays to check if your broker is accredited with industry bodies MFAA and FBAA.

What makes a MFAA Mortgage Broker a cut above the rest?

  • Access to a broad selection of loan products from various lenders
  • Qualified industry professionals, able to provide expert advice
  • Tailor flexible solutions that meet your circumstances
  • Fair and ethical service, practicing strict code of ethics
  • All 101 Mortgage Brokers have the reputation of being an MFAA member
Analyse Your Financial Situation

By doing a little homework you may gather some idea of how much you can borrow and the terminology of some products on offer. It will also prepare you for questions you will be asking your broker when you meet. Remember, there is no such thing as a silly question when it comes to finance!

How much can I borrow?

As your mortgage broker we can assist you to work out how much you can and want to borrow but you should do some initial budgeting. Don’t forget to factor in those additional costs that you will be paying including solicitors fees, moving costs, service connection fees and insurance.

Use calculators to get an approximate idea of what you can afford.

  • The estimates you obtain through online calculators may vary from the actual amounts, depending on numerous factors, so only use them as a guide.
  • The most important factors in considering the amount you can lend will be your income, deposit, other financial commitments, interest rate and value of the property being purchased.
  • Take into account current income and commitments, perceived needs in the foreseeable future, and changes in your family situation that could affect ability to service proposed borrowing such as maternity leave.  
Am I eligible for any Grant’s?

The Australian Government’s First Home Owner Grant (FHOG) was introduced in July, 2000.

  • As your mortgage broker we will be able to go through the further details with you and assist you with your eligibility for the FHOG. For further information, visit First Home Owners Grant online.
Researching the market

Research and learn more about home loan terminology, costs and features of loan products in the marketplace to boost your knowledge.

  • Loan Types
  • Product Features
  • Fees, Cost and Charges
  • Type of Lenders

Questions

Write down any questions you may have. Make sure you clearly understand the situation so that you can make an informed decision. Contact us if you have any further questions, we are here to assist you.

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More Information on Home Loans

  • >> Home Loan Documents Checklist
  • >> Loan Pre Approval
  • >> Your Loan Approval
  • >> Loan Types

CONTACT US

Justin Caris
  • 0424 379 973
  • justin@101mortgage.com.au
  • 1300 101 100

Meet Justin!
Mike Caris
  • 0414 685 877
  • mike@101mortgage.com.au
  • 1300 101 100

Meet Mike!

Main Office
  • 1300 101 101
  • admin@101mortgage.com.au
  • PO Box 3284
    Wamberal NSW 2260

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What our clients are saying

Thanks Mike for assisting me in buying my first home, without you, it just wouldn’t have happened. You took the stress out of the whole process. Thanks
Lynn Brownlee, NSW

Mike, every now and then someone like you comes along and makes the biggest difference to our lives…. we thank you for you efforts! You really did work hard to make it easy for us. Thanks
Robyn & Craig Chapman, NSW

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If the matter is urgent please feel free to give us a call

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Any advice on this website is of general nature only and does not take into account the needs, objectives and financial circumstances of the reader. Therefore, before deciding to act on any of this information, you need to consider it’s suitability to your situation having regard to your own financial circumstances and objectives. 101 Mortgage Pty Ltd would be happy to help with this.

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OVER 101 LOAN PRODUCTS TO CHOOSE FROM, FROM OVER 30 LENDERS