Assisting every step of your mortgage

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Bespoke Money

SERVICES

Residential
  • Buying your first home
  • Upgrading or downsizing
  • Moving interstate
  • Building (house & land package,
  • construction & owner-builder)
  • Converting your owner-occupied property to investment (and vice versa)
  • Adding property to your investment portfolio
  • Unlocking equity in your home
    Consolidating debt
Insurance
  • Mortgage Protection Insurance
  • Home & Contents Insurance
  • Landlords Insurance

Plans

Standard Variable Rate Home Loan

We offer all the bells and whistles available with maximum flexibility.

Discount & Introductory Home Loans

We provide an introductory home loan on a lower / discounted rate, with fewer features. You can benefit from the lower introductory rate and get ahead financially.

Fixed Rate Home Loan

Great for security, protecting you from upward movements in rates for an agreed length of time. However, you won’t benefit when rates drop and if you need to discharge your loan during the fixed rate period there may be an additional economic cost.

Combination Or Split Rate Home Loans

Combination or split rate home loans offer the flexibility of a variable rate and the certainty of a fixed rate, so you benefit when rates drop and are protected when they increase.

Equity Loans Or Line Of Credit

Equity loans or line of credit allow you to unlock the equity in your existing home in a similar manner to a credit card. A limit of the facility is set, and is only drawn when you require it.

Offset Loans

Offset loans provide you with an account that works against your variable rate mortgage, reducing the interest you pay on a daily basis. Offset loans are suited for prudent budgeters.

Construction Loans

For those building a home or renovating an existing home, we can arrange a construction loan.

Low Documentation And No-Documentation Home Loans

These loans are available to self-employed applicants for investment purposes. Evidence of income and asset/liability positions is not required. These loans attract a higher interest rate.

Non-Conforming Home Loans

Applicants who do not meet the ‘standard’ lending criteria may elect a non-conforming loan. These are typically for applicants with an impaired credit history, who are unable to provide the required documentation in support of their home loan, or wish to borrow more than 100% of the property value.

What is a Mortgage Broker?

From our panel of 30+ lenders our Specialist Mortgage Brokers will find the right loan for you. Individual needs require tailored, bespoke financial solutions.

How does a Mortgage Broker get paid?

Our services are free, as we get paid by the lender for doing the work that would otherwise be done by a bank manager and more often than not, can get you a better deal than going to the bank directly. We are privately owned and can arrange loans with the four major banks as well as several reputable non-bank lenders.

Why use a Mortgage Broker?

Firstly, they can shop around for you. A broker can search the range of loans available from multiple lenders very quickly to find you the right home loan for your needs. They also provide you with one central point for mortgage information and will talk you through the process.

The importance of informed decision-making cannot be underestimated.

A good mortgage broker will carefully assess your situation, then call upon years of knowledge and contacts to identify exactly the right mortgage for you. Also, if you’ve been refused a mortgage by one lender, you won’t necessarily be refused by everyone. But knowing what lenders are more lenient and what lenders are very strict, requires more than just a comparison of their websites. All lenders have different credit policies and overarching restrictions on who they’ll lend to. By engaging a broker with specialist knowledge of lender policies, you significantly reduce the risk of being declined.

A quality mortgage broker will do all the legwork on your behalf. This includes liaising with lenders, conveyancers, settlement agencies, real estate agents, builders.

When you find a great mortgage broker, stick with them. They’ll look after you for the life of your loan, and make sure you’re always in the best possible position financially. They’ll proactively stay in contact with you, periodically checking that your loan is still right for you.

Why should I use a mortgage broker if I can go with a bank?

Unlike your bank, we have over 30 different lenders to choose from with a range of different policies so you can be confident about getting your home loan approved and not damaging your credit file. Following up on the progress of your loan can be stressful and time consuming. That’s why we deal with the banks so that you don’t have to. We have efficient systems in place to track your loan and provide you with updates on the progress.

We know which lenders can help you and which ones cannot. Lenders all have very different policies. If you get declined from one lender it doesn’t mean they will all decline you.

We deal with a wide variety of lenders and know their policies back to front, as well as the hidden catches and potential problems you might face.

Unlike most mortgage brokers, who are just transactional salesmen, we are experts in the lending guidelines used by the major banks and other lenders.