Buying your first home or refinancing your family home or investment properties can be quite overwhelming. For some, the search for the right product in and amongst thousands of loan products can be daunting. How do you know which one is a good fit for you? Our mortgage brokers have the desire and capability to help you find the home loan or refinance solution that best suits your needs. And, we are here for you for the long haul. One of the most satisfying things for us is to see clients pay their loan off and retire well!
Get the right product for your situation.
We carefully assess your long-term goals and financial situation to make sure that you get the home loan or refinance solution that suits your needs.
Get the best interest rates. (for you)
We offer the benefit of choice! Over 35 lenders and thousands of their products are compared when looking at your goals and requirements. We have nurtured our relationships with our panel of lenders throughout the years of working with them. This allows us to access the best interest rate based on your application. We want to chat to you and find out more about you and your goals and desires, because the “best loan” might not always the “best fit”. Our value advantage is not just “rates” but solutions to suit your goals and dreams.
Easy application, fast approval
The pre-approval and application process in purchasing a house is often complex. We’ll help you navigate through it so that you can purchase your home without a fuss. We can also make your dream of owning a home so much faster. We also offer lightning fast refinance settlements for our clients.
We are an independent broking company
We are not owned by a bank, and we are under no obligation to offer you their products. We are completely privately owned with no outside investment, ulterior motive or interest. Our mortgage brokers are actually paid a salary, their commissions are equal across lenders and therefore less incentivised to “sell” you anything, as much as they are obligated to offer you the best product to suit your needs and goals. Our brokers will provide you with sound and carefully considered home loan and finance advice.
Access to over 35 lenders
We have access to more than 35 major lenders, banks, credit unions and other specialised lenders that offer competitive rates and flexible credit policies. Our platform allows us to quickly scan thousands of loan products from their lenders and present you with the most suitable lender and products.
Count on our nationwide services
Our technology capabilities and broker locations can help you find the most suitable home loan (and help you qualify for it) no matter where you are in Australia. It doesn’t matter if you live in Victoria and are buying an investment Property in New South Wales or Queensland, we can help you no matter the geography.
We offer exceptional post-settlement service
Maybe you’ve been left out to dry by your existing bank? Treated like just another number in the system? If you think that we’ll leave you after buying your home own, think again. We’ll be there to assist you throughout the duration of your home loan. Moreover, we will be available to answer your post-settlement questions and help you make amendments, additions and changes to your loan. Post settlement of your home purchase or refinance, we will be with you and in contact with you even if a more suitable or better product comes up and we think it might be better suited to you. The market changes, rates change and so do your circumstances. We will monitor this and make sure you are always ahead of the curve.
Honest valuations and credit reports
We will not lead you on. Instead, we will give you an upfront estimate of how much you can borrow from the bank. We will also guide you through the application process so that you can secure a home loan approval and not charge you for it. You can access free home value reports and credit reports from us, for life. Want to buy an investment property? We can offer some free reports and valuations to help you make an informed decision.
We’ll take you to lenders who can help
Unlike most mortgage brokers, we are not just after your money or just a fast transaction. We know which lenders can help, so we will not be wasting your time by sending you to lenders who can’t.
We know the policies of each of the lenders we deal with, as well as potential problems and hidden catches that you might encounter. Our extensive pre-application credit assessment process ensures that we have screened the bank or lender’s application process and qualifications thoroughly before applying with them.
Most of our mortgage brokers have worked in major lenders before. As a result, they know the ins and outs of approving and declining loan applications and understand how to get your home loan approved.
Need a more bespoke solution? We also specialise in all types of non-conventional home loans, including low doc loans, non-resident home loans and unusual employment loans.
We have your best interests at heart
You’ll be glad to know that under Best Interest Duty, we have a legal obligation to act in your best interests. On the other hand, banks and other lending institutions are not legally required to do so. This means you can have peace of mind knowing that Makes Cents will not hang you out to dry.