Apply now for fast pre-approval
We look after you - start to finish.
With the combination of our expert knowledge of the markets, partnerships with financial institutions and unmatched client service we can help our clients find the best loans. We handle everything that our clients need.
Give us a call and let's have a chat.
Mortgage Brokers Pakenham
Looking for the best rates? We've got you covered - all at no cost to you.
Are you..
Purchasing a home is among the biggest financial decisions that one can make, and as first time home buyers it is highly recommended that you speak to an expert mortgage broker specialist. We will assure you nothing but the best rates on mortgages in Melbourne, and give you an overview and breakdown of everything from beginning to end.
Your Pakenham mortgage broker
Pakenham Mortgage Brokers will commit to you fully, and guide you through the entire process. We want to help you save money on your home or investment loans, and make sure that you will get the most competitive loan that is currently available on the market.
unrivaled customer service.
If you are looking for a broker that is open and authentic, look no further.
Why Use A Mortgage Broker?
Using a mortgage broker means you need not worry about doing research on your own, we will give you expert on the best options available and do everything on your behalf. We have all the necessary processes and systems that will help us find the most competitive mortgage that is suitable for you. The best thing about it is that it is all for free!
Due to the large amount of mortgage products available in the market, and the constant updates and changes, adaption to the continuously evolving environment becomes confusing. As your Mortgage Broker the first step that we will make is to understand your financial goals, we will assess your financial health and long-term goals. Only upon doing so can we proceed to finding the right loan product that will give you the best value and will best serve your strategy. We offer an end-to-end service, so upon finding an option that is suitable for you, we will then assist you from the beginning of the loan approval process, all the way through the final stage of receiving your loan from the bank, all this without you having to lift a finger.
We will assist you in choosing the right lender and the right loan for you by accessing special rates that for your benefits on your behalf. All parts of the loan process will be fully transparent and make sure that you are kept updated. We will also breakdown to you whatever it is that you find difficult to understand.
If you want a personal service, that is friendly and committed - look no further.
Your personalised Mortgage Broker service in Pakenham.
We do our best to understand your financial situation and find solutions that are tailored to your personal needs. Only considering that they have always been with is a common mistake committed by many individuals, not knowing that there are other financial services with much more value that are better suited for their needs.
First Home Loan Deposit Scheme
On July 1, 2020 we will, once again, commence the race for limited slots in the First Home Loan Deposit Scheme of the federal government. Save up to $10,000 by voiding the Lender’s Mortgage Insurance (LMI).
Through the said scheme eligible first home buyers will be allowed to waive the payment of the LMI and only pay a 5% deposit to purchase a property. There are only 10,000 slots available for this financial year.
What is the First Home Loan Deposit Scheme?
The First Home Loan Deposit Scheme of the federal government allows first home buyers to purchase a property for only a 5% deposit without the need to pay for the LMI. That is 15% less than the usual requirement for first home buyers and the burden of paying for the LMI.
Make sure to contact Mortgage Brokers Pakenham about the First Home Loan Deposit Scheme!
If you’re thinking about purchasing your first home soon and are considering applying for this scheme – give us a call today.
Don’t think that 10,000 slots are a lot to fill, because the starter’s gun has already gone off and every day, in just the first two weeks, hundreds of first home buyers could apply for the scheme.
Buying your first ever home?
We'll show you how you can purchase your very first home with as little as a 5% deposit.
Why Choose Us?
You will receive premium service with access to all the loan options available to you and be provided with the most updated strategy that suits the current financial environment. We take the responsibility of finding you the most competitive and valuable loan options that is currently available in the market. We will update you if there is a better solution that becomes available in the next 12 to 24 months and provide you with the best options on how you can best take advantage of any new opportunity, in an ever-changing market.
Being open and authentic is one of the things that we are proud of, and we want to choose the right loan for you and your family. We make sure that you have a unique experience, we will get to know you and work with you one on one.
We are 100% free and available 24/7!
We make ourselves constantly available so our clients can reach out to us any time, and we will cater your needs, and provide answers to any questions that you may have. Our clients are treated as one big family, and make sure that we have a long-lasting relationship that’s not only built on a ‘transaction’.
Always on Time
We'll get your application processed super quickly.
Hard Working
We're entirely committed to our clients.
24/7 Availability
We're always here to help.
You don’t need to ask yourself “Who is the best mortgage broker near me” anymore.
Mortgage Brokers Pakenham is a reliable, honest company with enough experience to handle your financial needs. Our aim is to be the place you can go to for anything related to your home loans and other financial services, so you can trust us to look after everything for you. We will always have your back, support you, and work with you to achieve your long term goals.
You have nothing to lose, and everything to gain!
You’ve got nothing to lose, and everything to gain!
We offer a full range of financial services
Relocation loans
Refinance your home loan
There is no need to do any more search if you are looking into refinancing. We will explain to you how the process works and the benefits of refinancing your loan with us.
You have nothing to lose in the long run, and we will look after everything!
Reasons to REFINANCE
It is easy to refinance with Mortgage Broker Pakenham. We have simplified our online process and streamlined to make sure your application goes through the channel fast.
We do a comparison of your current loan and other available options and keep you updated once we find a similar loan product with lower interest rates.
We can use an existing equity to fund upcoming projects or investments that may require cash flow. We will run checks on your portfolio to understand how much equity we can utilize from your property that may also be of help.
We will look into your debts such as your personal and credit card loans, help you understand and combine them into your mortgage keeping everything simple and easy.
Give us a call today.
Let’s have a chat to see how we can help you best.
1. Call us or fill in the quote form
We want to get to know your more, and understand you on a deeper level, for us to know how we can best serve you. We will have a chat with you and discuss your current financial status, we will ask questions and help you find the best plan that will help you achieve your financial goal. The services you will get from us is completely tailored to meet your needs.
Educating our clients will be a pleasure for us, giving them a breakdown of how the process, and how the markets work, as well as an overview of the current financial environment. You learn about loan instruments and how they work, along with the effects of each loan product on your finances. It is our belief that being equipped with basic knowledge is important and valuable, even if it is just an explanation of how interest rates work, or the difference between ‘interest only’ and ‘principal and interest’ loans.
2. The process - arranging a pre-approved loan
The formulation and outlining of the strategy that suits your needs will follow after we have a full understanding of you financial status, goals, and other preferences. Looking into making an investment purchase such as a new home, arranging a pre-approved loan is one of the best ways to ease your mind. You will be given a clear view of your spending limits, and the chance to make an offer for any property that you are interested in. The pre-approval process is going to be quick, allowing you to shop around sooner, without having to lose time.
Our clients will provided with an A-Z breakdown explaining what everything entails, like interest rates, monthly repayment coast, and alternatives to consider. You’ll learn about ‘fixed’ and ‘variable’ interest rates, and the different packaged deals available in comparison to a simple loan offering. We will have discussions with you based on your long-term goals, so if you’re a keen property investor wanting to scale your portfolio we will talk to you about different banks that you should partner with, the possible advantages and disadvantages, their capabilities, and whether or not they will allow you to borrow more.
A common mistake for some is not considering the lending capability of a bank in the long run, and only looks into banks that provide the lowest interest rate. There are banks that are less willing to give you leverage, and allow you to borrow more, hence, it is always important to consider all the options available.
3. We will then help get your loan approved and settled, while you relax
Pakenham Mortgage Brokers will communicate with the bank on your behalf once your loan is approved and the requisite documents has been received. The settlement will take around 1-2 weeks to be finalized, so we’ll keep you updated.
We do not just leave once your loan has settled, we will continue to look after our clients and answer whatever questions they may have in the duration of the loan’s life. Every year we conduct a review of your loan and make sure that you’re receiving the best loan package available. We will compare with other lenders, and negotiate with the current lender that you have on your behalf, to see if we can secure a lower rate for your loan package, or seek to refinance with another institution, one where you are clearly in a better position.
Home loans Pakenham
When it comes to educating our clients, our team at Mortgage Brokers Pakenham are industry experts in providing guidance on how to find the best home loan package. We know how stressful the process involving the purchase of a property, aside from choosing the right location, you also have to choose the best financing options, fill-up paperwork, and the fact that it takes too much of your time.
The entire process may appear daunting, especially for first time home buyers, but we will make sure that you find the right home loan with Pakenham. By assessing your current financial status and financial goals, we will have a better understanding of what value package will best suit you. A pre-approval will give you the ability to enter into contract negotiations for the property that you want to purchase. We will be with you and guide you throughout, and complete the entire loan application process for you. You will be fully updated, right from the beginning until the end, of the whole process.
As a first time home buyer, we will be there to guide you through the qualification process and facilitate your application for the First Home Owner Grant.
Investment loans Pakenham
Mortgage Brokers Pakenham is very knowledgeable about the best deals that are currently being offered in the market, and can help you find the best loan package if you’re looking into an Investment Property Loan. We will discuss which loan structure is more appropriate, and employ a plan to reduce potential lender’s mortgage insurance (LMI) for your investment strategy and expected returns.
So that you can ensure that you are receiving the best deals available, we will be there to help you review your entire property portfolio, and negotiate with the banks on your behalf. We will help you identify the most competitive and the most value for money loan products to choose from a selection of available lenders. We will assist you in managing you deadlines, as well as your property valuations and settlement dates.
Have we also mentioned that you will have all of these without costing you anything? Our investment loans Pakenham team will help you out.
Renovation loans Pakenham
Home renovations are not exactly cheap, especially for properties requiring a lot of structural work, which will ultimately need a lot of additional capital. Despite having several options to help you fund these activities, it is also important to consider, and make sure that you have enough cash flow on-hand for all of your financial obligations.
You have a variety of options at your disposal, and these would mainly involve either paying out of your own pocket using your own savings, or the utilization of an equity if you have built-up enough from your existing property. Speak to our Renovation Loans Pakenham team today.
Construction loans Pakenham
It is always an exciting prospect to build your own home or investment property. It only gets complicated when you have to manage the building costs and expenses, as well as the construction costs. A construction loan is easily finance you home construction costs, it is when securing one that might present some difficulties.
A construction loan can offer flexibility with regards to special construction conditions. You can draw out your loan either in chunks (or ‘progressive draw downs’) or on an instalment basis, and the payments will be received at different stages of your construction project. It’s how most people would do it because not all the cash will be needed up front. You’ll have a pre-determined loan amount from where this will be drawn, which will be construed by the financial institutions. This means that you will only pay interest on the amounts that you have drawn.
Commercial loans Pakenham
Capital funding ventures would require a working capital that’s why commercial financing is made available by many different lenders and financial institutions. Our Finance Brokers at Pakenham will help you realize your investment strategy to source out the right type of borrowed capital which will meet your needs.
Our team is able to source the best value debt to fund your next business venture or project regardless of your preference, be it short term or long term commercial finance.
Car loans Pakenham
It is our goal at Mortgage Brokers Pakenham to assist you in sourcing the best valued car loan so you can purchase your dream vehicle, and to ease your cash flow without the need to front the cash, all at once. It is also a way to help you plan out your monthly expenses.
Trust us to find a lender and loan package that is right for you, and plan out a strategy that will meet your needs, and have you behind the wheels of your dream car in no time.
Not located in the Pakenham? No worries - we can serve anyone nationally with ease.
We service all areas of Pakenham
Approved Pakenham Mortgage Brokerage Service
We, at Mortgage Brokers Pakenham commit to be with you every step of the way. Let us do all the hard work for you, from delivering to you an end to end solution, sourcing out the right loan product, to helping you achieve you long-term financial goals. Ensuring that our clients are fully satisfied with their experience with us, meeting every criterion to the highest standard is our top most priority. Helping our clients and educating them is what we do best, and that is exactly what we will deliver. We offer to you years of experience in careful construction of the right financial strategy that is uniquely your own and tailored to meet your financial needs and requirements. Starting from scratch, we will work with you to carefully plan and procure the right loan strategy that best suits you.
We will keep in contact with you even after you loan has been approved and be with every step of the way. We will help you review everything in a timely manner, reconnect with you and strategize if needed. Talking to a qualified and licensed professional is important because they have access to the best deals on the market and provide you amazing deals. We will also efficiently and seamlessly fill out the paper work for you. As you can see, it is a completely win-win situation for our clients.
You can trust us to put everything together on your behalf and focus on your time and energy on others tasks without having to worry.
Call today.
Making financial decision is often accompanied with headaches and stress, that’s why we are here. It is our job to take the stress of your shoulder, to assure you that you are receiving the best financial services and value available in the market. Allow our Mortgage Brokers Pakenham to after you and your needs.
Our goal is to provide our clients with exceptional customer service and deliver nothing but the highest quality of work. We want to leave our clients behind with new knowledge and the assurance that they are well looked after. We will listen and deliver to you exactly what you need, with a complete and transparent service, keeping you up to date every step of the way.