Home Loan Broker in Melbourne for First-Time Home Buyers
Let me help you with a unique home
loan solution, that will open the
door to the home of your dreams.
“The road to becoming financially independent starts with just one step ... then another ... then another. It’s taking the first step that counts.”
Whether this is your first home, or your next home, having a mortgage broker on your team is a smart move!
And my principle service method has been designed specifically to try and increase time efficiency and reduce overwhelm.
Submit your details and I’ll be in touch to discuss your first home loan requirements.
There is no need to do this on your own. Think of me as your wingwoman! I will support you every step of the way as your:
Personal home loan shopper
Reliable admin assistant
Ongoing loan advisor
Benefits of working with a mortgage broker VS dealing direct with a bank/lender
- Access to over 50 different banks/lenders
- Finding a product with the best fit for you
- Work under Best Interest Duty - statutory obligation
- Service is at no cost to you
- Personal support & guidance
- Ongoing loan advisor
with
Cara Julian
with
Banks & lenders
Loan Types and Features
Don’t let all the mortgage terminology overwhelm you.
See below for a list of most commonly used mortgage terms:
A loan where the interest charged on the outstanding balance fluctuates based on an underlying benchmark or index that periodically changes.
A loan where the interest rate on the loan remains the same a set period of time
A loan that is divided into two or more portions (typically a fixed rate portion and a variable rate portion), each with different interest rates or loan types.
A loan structure where the borrower makes repayments on both the interest and the principal loan amount.
A loan in which the borrower pays only the interest for some or all of the term, with the principal balance unchanged during the interest-only period.
Our Lenders
We have access to over 50 different bank and non-bank lenders, so let us make life easier
do the leg work for you!
Use our Calculators to:
- Calculate your loan repayment
- Calculate your income
- Calculate your maximum borrowing capacity
- Calculate your refinance savings
- Calculate how long it will take to repay your loan
Frequently Asked Questions
Home loan pre-approval (or conditional approval) means that a lender has agreed, in principle, to lend you money towards the purchase of your home but hasn’t proceeded to full or final approval.
A pre-approved home loan serves as a valuable instrument for prospective homebuyers, as it provides insight into the affordable amount for purchasing a property and allows you to look with confidence.
Owning a house comes with its own set of financial considerations, one of which is whether or not to refinance your mortgage. Refinancing may appear scary at first, but it may provide many benefits for homeowners trying to better manage their changing financial situation. These benefits include: lowering interest rates, changing loan terms, switching loan types, and accessing home equity.
It is important to consider the costs of refinancing when making your decision. Typical costs involve a mortgage discharge fee, new lender set up fee and settlement fees.
Buying a home is a big step in anyone’s life. A mortgage broker can act as a guide, there to support you every step of the way.
There is a lot to understand including different rates, product features, loan terms, etc. This is where a mortgage broker can be a really helpful resource on your team.
Paying off your mortgage early comes with a host of benefits, both financial and emotional.
Here are 5 ways that may help you:
1. Make bi-weekly payments
2. Make lump sum payments
3. Refinance to a shorter-term
4. Make extra repayments
5. Cut unnecessary expenditure
The Problem
You may relate to the following:
Stress from increasing interest rates
Lack of time
Feeling financially vulnerable
Tight cashflow
Overwhelm
Lack of confidence
The Solution
My principle service method has been designed specifically to try and increase time efficiency and reduce overwhelm.
The Payoff
Customers may experience:
A competitive rate
Game plan/ Guide
Feeling financially secure
Improved cashflow position
Feel in control
Confident
The Process
I have developed an efficient service model to enable a streamlined experience for my customers – through a lot of trial and error but have since perfected!
It involves a 5 step game plan where each step of the way is clearly communicated and fully supported with processes and checklists which may make life easier.
Start your journey with me today!
Get in touch with me and find the right lending solution for you