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BUY MY
FIRST HOME
You don’t need a large deposit start your journey to homeownership. As one of QLD’s South East & Sunshine Coast most trusted broker teams we have strong partnerships with some of the region’s best builders and access to a huge selection of house and land packages, townhouses and apartments perfect for first home buyers.
*With just $10K and a tailored savings plan, our expert first home buyer team here at BrokerCo can help you achieve the dream and stop renting today.
REFINANCE
CURRENT
HOME LOAN
We can help you refinance, whether it’s for your existing home loan or if you’re looking to switch from another bank. Our innovative digital solution can get you approved in minutes and with some of the best rates going, you could save thousands today off your current residence or investment. Refinancing could change your financial life.
Your refinance, solved.
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CONSOLIDATE DEBT
We help you wrap up your debt
- Combine your debts into one loan to better mange your debt.
- Have ONE credit provider and Simplified & Lower Repayments.
BUY YOUR NEXT HOME
With you at every step
We know the stress that comes along with buying a home, buying an investment property or refinancing. The traditional way of getting a loan can be difficult, time consuming and stressful.
We make things simple for you.
BUY AN
INVESTMENT
Planning to invest?
Talk to us today about our property investment product solutions & where best to invest.
Use your equity to grow your portfolio.
BECOME A
BROKER
Learn how to become a certified mortgage & finance broker with an experienced team.
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Our Home Loan Platform
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STEP 1
Enter in a few details on what you are looking for in a home loan.
STEP 2
One of our friendly brokers will answer your questions and ensure the loan is suitable for your goals and current situation.
STEP 3
Relax… knowing we’ll get you from your application, to approval and onto settlement hassle free
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- Buying a home is a huge financial commitment – probably one of the most significant purchases you’re ever likely to make. To do this, you’ll need a mortgage.
The process of applying for a mortgage involves lots of parties; from mortgage brokers, to solicitors, to the lenders themselves. The time involved in getting a mortgage very much depends on your circumstances and can take anything from weeks to months. We’d generally recommend allowing yourself 30 to 45 days to complete the process.
To avoid any difficulties, it helps to do your homework and familiarise yourself with the factors that could affect your eligibility for a suitable mortgage deal, which will include:
- your employment status and salary
- how long you’ve been employed
- how much you spend each month (it’s advisable to have a record of your expenditure over the last few months)
- whether you’ve saved a large enough deposit (lenders normally require a minimum deposit of 5%)
- if you have any existing debts
- the strength of your credit rating
How much money do i need for a house deposit?
There is no magic number when it comes to a deposit, however in Australia most lenders require you to show a minimum of 5% – 10% of the purchase price plus enough in savings to cover your purchasing costs like stamp duty and conveyancing.
- This means if you’re looking to buy a residential property with a value of $600,000, you’ll need a deposit somewhere between $30,000 (5% of $600,000) and $60,000 (10%). If you only have 5% we will need to show the bank that you have saved this cash over a 3 month period. There are exceptions to this so please contact us if you have circumstances that may be a bit different.
What is the best home loan interest rate available?
At BrokerCo we have access to over 40 lenders with 100’s of products. Book an assessment and we will find the best home loan solution for you.