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Buying a property is a time to be excited. Don’t waste it looking for a loan.

We’ll help you find the right loan.

Because we work for you, a Broker’s efforts are dedicated to working for you.

  • We’ll meet at a place and time that suits you.
  • We do the legwork.
  • You’ll get a choice of different lenders.
  • You’ll have more options.

We do the hard work.

We consider a range of options for you. Using our understanding and knowledge of the current market, we look at different loans and quickly narrow it down to the ones that suit your specific needs. Then we choose together.

And we help with the whole process.

We don’t stop at just finding the finance. We’ll help complete the paperwork, manage the application process and follow it through to approval. Leaving you time to get excited about your new home.

Contact us now

0417 740 880

Ron Andersen
Mortgage Broker
Specialising in QLD + Servicing Australia Nation Wide
ABN:97 098 267 862

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FAQs

1. How much money can I borrow?

We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances

2. How do I choose a loan that’s right for me?

Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.

3. How much do I need for a deposit?

Usually between 5% – 10% of the value of a property. Speak with us to discuss your options for a deposit. 

4. How much will regular repayments be?

Go to our Repayment Calculator for an estimate. Because there are so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, and we’ll work with you to find a loan setup that’s right for you.

What fees/costs should I budget for?

There are a number of fees and costs involved when buying a property. To help avoid any surprises, the list below sets out many of the usual costs:
1

Stamp duty

This is the big one. All other costs are relatively small by comparison. Stamp duty rates vary between state and territory governments and also depend on the value of the property you buy. You may also have to pay stamp duty on the mortgage itself. To estimate your possible stamp duty charge, visit our Stamp Duty Calculator.
2

Legal/conveyancing fees

Generally around $1,000 – $1500, these fees cover all the legal requirements around your property purchase, including title searches.
3

Building inspection

— This should be carried out by a qualified expert, such as a structural engineer before you purchase the property. Your Contract of Sale should be subject to the building inspection, so if there are any structural problems you have the option to withdraw from the purchase without any significant financial penalties. A building inspection and report can cost up to $1,000, depending on the size of the property. Your conveyancer will usually arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
4

Pest inspection

Also to be carried out before purchase to ensure the property is free of problems, such as white ants. Your Contract of Sale should be subject to the pest inspection, so if any unwanted crawlies are found you may have the option to withdraw from the purchase without any significant financial penalties. Allow up to $500 depending on the size of the property. Your real estate agent or conveyancer may arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
5

Lender costs

Most lenders charge establishment fees to help cover the costs of their own valuation as well as administration fees. We will let you know what your lender charges but allow about $600 to $800.
6

Other costs

• Moving costs — Don’t forget to factor in the cost of a removalist if you plan on using one.
• Mortgage Insurance costs — If you borrow more than 80% of the purchase price of the property, you’ll also need to pay Lender Mortgage Insurance. You may also consider whether to take out Mortgage Protection Insurance.
• Ongoing costs — If you buy a strata title, regular strata fees are payable. You will need to include council and water rates along with regular loan repayments. It is important to also consider building insurance and contents insurance. Your lender will probably require a minimum sum insured for the building to cover the loan.

We are here to help.

There are so many loans and lenders that the idea of narrowing it down to one is pretty daunting. Even then, how do you even know you’ve chosen one that’s right for you? That’s where a broker comes in.

Speak To Us Today