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Buy your first home with confidence

 

Buying a house doesn’t need to be stressful.

You just need the right team to support you.

 

Does this sound familiar?

You want to make a move but you’re nervous

You’re unsure whether you can afford to buy your first home. You’re feeling a little out of your depth. You’ve got some idea of what’s involved, but you’ve spent more time looking for the perfect house to buy, rather than working out how to buy one.

You want to do things the right way, but you’re short on time

Between your full time job, training for that gym challenge you signed up for and attending yet-another-wedding, you don’t have time to look into loan structuring options; perform cost-benefit analysis; prepare repayment tables and amortisation charts; or look at market trends. But, you realise some of this is probably required, before you lock yourself in to a 30 year mortgage.

You can talk the talk, but you’re not really sure what you’re doing

You’ve never bought a house before. So how can you possibly know what to do?! The only bank you’re familiar with is the one your salary goes into and if you’re being honest here, you’ve maybe walked into the branch once? There’s a lot of terminology you want to understand, before you hand over any money or sign on the dotted line.

You want the green light to make an offer 

You’ve got your deposit sorted and an online repayment calculator says you can afford a loan. But you’re not sure if that means it’s safe to make an offer now and hand over your hard-earned cash. (Don’t pay anything – there’s a few things you need to do first)

You’re concerned you’ll pay too much by selecting the wrong home loan 

Comparing one loan with another is not as simple as it seems. Interest rates and fees differ, but so do the loan features and how much individual lenders allow you to borrow. It’s hard to know you’ve gone with the right loan without knowing what every other lender is offering. But if you make the wrong decision, it could cost you thousands of dollars in interest you didn’t need to pay.

You want to talk to someone who has the answers, not creates more questions

You’ve been asking your family and friends so many questions, but you’re starting to feel overwhelmed by conflicting responses. Plus, you’re thinking it might be time to talk to professionals anyway. Professionals who help first home buyers day in and day out. A team who can answer your questions based on industry knowledge, not from a once-off personal experience.

Does this sound familiar?

You want to make a move but you’re nervous

You’re unsure whether you can afford to buy your first home. You’re feeling a little out of your depth. You’ve got some idea of what’s involved but you’ve spent more time looking for the perfect house to buy, rather than working out how to buy one.

You want the green light to make an offer 

You’ve got your deposit sorted and an online repayment calculator says you can afford a loan. But you’re not sure if that means it’s safe to make an offer now and hand over your hard-earned cash. (Don’t pay anything – there’s a few things you need to do first)

 

You want to do things the right way, but you’re short on time

Between your full time job, training for that gym challenge you signed up for and attending yet-another-wedding, you don’t have time to look into loan structuring options; perform cost-benefit analysis; prepare repayment tables and amortisation charts; or look at market trends. But, you realise some of this is probably required, before you lock yourself in to a 30 year mortgage.

 

You can talk the talk, but you’re not really sure what you’re doing

You’ve never bought a house before. So how can you possibly know what to do?! The only bank you’re familiar with is the one your salary goes into and if you’re being honest here, you’ve maybe walked into the branch once? There’s a lot of terminology you want to understand, before you hand over any money or sign on the dotted line.

 

 

You’re concerned you’ll pay too much by selecting the wrong home loan 

Comparing one loan with another is not as simple as it seems. Interest rates and fees differ, but so do the loan features and how much individual lenders allow you to borrow. It’s hard to know you’ve gone with the right loan without knowing what every other lender is offering. But if you make the wrong decision, it could cost you thousands of dollars in interest you didn’t need to pay.

 

You want to talk to someone who has the answers, not creates more questions

You’ve been asking your family and friends so many questions, but you’re starting to feel overwhelmed by conflicting responses. Plus, you’re thinking it might be time to talk to professionals anyway. Professionals who help first home buyers day in and day out. A team who can answer your questions based on industry knowledge, not from a once-off personal experience.

It’s ok. We’re here to help.

With so much information available, it’s more confusing than ever to work out what home loan you should go for.

Add in the constant changes to the Australian banking industry and it’s no wonder you’re feeling overwhelmed as a first home buyer.

It’s the reason why so many borrowers walk into their existing bank and just say ”yes” to the first loan they’re offered. This may seem like the simplest option, but the wrong loan can cost you thousands more in the long run #goodbyefutureholidays

The good news is that you don’t have to navigate the process alone – we’re here to help.

Who are we? Who is MMO?

MO’R Mortgage Options (MMO) is a family team of mortgage brokers.

Our story starts almost two decades ago, when Founder Michael O’Reilly began buying and selling property. Michael conducted EXTENSIVE research into his financing options because he didn’t want to pay a single cent more than he had to. And after personally speaking with numerous lenders, Michael discovered he wasn’t always offered the best solution or technical lending advice.

Talking to other homeowners, Michael realised borrowers were accepting second-rate lending solutions because they didn’t know what other options were available. Michael wanted to share what he’d learnt with others, so they too could create strong financial foundations for their families. Michael opened the doors to MMO in July 2000, committed to do exactly that. 

Since that day, Michael has helped thousands of clients create wealth through property – families we continue to assist today. And just like a good recipe, over the last 13+ years, the financing structures, lender knowledge and technical-know-how has been passed down to the next generation with Michael’s sons Daniel and Brendan and daughter Kathryn, leading our growing team of mortgage brokers.

Get the support you need to buy your first home with confidence.

 

We’re here to help.

 

 

Meet our team…

Who are we? Who is MMO?

MO’R Mortgage Options (MMO) is a family team of mortgage brokers.

Our story starts almost two decades ago, when Founder Michael O’Reilly began buying and selling property. Michael conducted EXTENSIVE research into his financing options because he didn’t want to pay a single cent more than he had to. And after personally speaking with numerous lenders, Michael discovered he wasn’t always offered the best solution or technical lending advice.

Talking to other homeowners, Michael realised borrowers were accepting second-rate lending solutions because they didn’t know what other options were available. Michael wanted to share what he’d learnt with others, so they too could create strong financial foundations for their families. Michael opened the doors to MMO in July 2000, committed to do exactly that. 

Since that day, Michael has helped thousands of clients create wealth through property – families we continue to assist today. And just like a good recipe, over the last 13+ years, the financing structures, lender knowledge and technical-know-how has been passed down to the next generation with Michael’s sons Daniel and Brendan and daughter Kathryn, leading our growing team of mortgage brokers.

 

Get the support you need to buy your first home with confidence.

 

We’re here to help.

 

 

 

Meet our team…

 

 

What do you get when you work with us?

 

Clarity around how much you can spend

Don’t risk your hard-earned deposit by bidding at Auction without an official ‘green light’ from a lender. We’ll conduct a thorough investigation into all your lending options and let you know exactly how much you can afford to pay for your new home. In no time at all, you’ll be house hunting with confidence.

A step-by-step action plan to purchase your home

We’ll explain each stage of the buying process so you know exactly what’s going to happen (and when). You’ll never be left wondering where things are up to with your loan application. Work with us and you’ll have someone on your side, helping to guide you through each stage of the purchasing process – answering all of your questions along the way.

A personal Project Manager

You’ll have someone to manage the entire process for you. We will chase your application with the lender, liaise with the agent and work closely with your solicitor. You’ll have someone working behind the scenes to ensure everything is moving along quickly, so you can move into your new home ASAP.

Round-the-clock Support

Some lenders have processing team that work around the clock, meaning questions can be asked about your loan application outside of business hours and on weekends. It’s our job to handle all these queries – whenever they’re asked. The same goes for all your questions. Ask us anything and we’ll always do our best to respond quickly and comprehensively.

Tailored home loan solution, bespoke advice

There is never a ‘one-fits-all’ lending solution. Before we recommend anything, we conduct a thorough investigation to ensure it’s the right fit. This means we’ll have conversations with lenders, double check lending policy and perform servicing calculations. Even better than knowing you’ve got the right loan, is knowing WHY it’s superior against the alternatives. That’s what you get when you work with us.

Plain-language finance solutions, with YOU at the centre of the equation

Say goodbye to nodding along with the guy at the bank when starts speaking lender acronyms. The thing is, most lenders explain things from their own perspective not how it impacts you – the borrower. When we turn it around and consider everything from YOUR perspective (ie. How convenient is that for you? How does that change impact you? Does that loan feature actually provide you with benefit or does it just make it easier for the lender to retain your business later on?) suddenly things aren’t so complicated.

As much (or as little) analysis as you like

If you’re someone who wants all the charts and tables and comparison analysis before taking action, that’s what you’ll get. If you’re more of a ‘big picture’ person and prefer loan structure diagrams instead, that’s what you’ll get. You call the shots, not the other way round. You’ll get everything you need to understand the ins and outs of your first home loan.

Fast turn-around (so you won’t miss out on that property)

The secret to getting your home loan approved quickly is knowing exactly how your lender likes to see applications presented. When you choose a mortgage broker who’s been working with lenders for almost two decades – a team with intricate knowledge of the internal processing systems of Australia’s largest (and smallest) lenders – you can be sure your application will be presented in *just* the right way to get approved fast.

Support from an entire team

It’s frustrating when your question can’t be answered or progress just stops, “because Jimmy’s away and no-one else can help you.” When you work with a mortgage broker at MMO, you get the support of our entire team – there’s always someone who can help you. Client feedback told us this was important and so many years ago, we restructured our business accordingly. It’s also the reason why many of our client reviews mention more than one person – we work in small teams to ensure you receive the best service possible.

What do you get when you work with us?

Clarity around how much you can spend

Don’t risk your hard-earned deposit by bidding at Auction without an official ‘green light’ from a lender. We’ll conduct a thorough investigation into all your lending options and let you know exactly how much you can afford to pay for your new home. In no time at all, you’ll be house hunting with confidence.

A step-by-step action plan to purchase your home

You’ll never be left wondering where things are up to with your loan application or what needs to happen next. You’ll have someone on your side, helping guide you through each stage of the purchasing process.

A personal Project Manager

You’ll have someone to manage the entire process for you. We will chase your application with the lender, liaise with the agent and work closely with your solicitor. You’ll have someone working behind the scenes to ensure everything is moving along quickly, so you can move into your new home ASAP.

Round-the-clock Support

Some lenders have processing team that work around the clock, meaning questions can be asked about your loan application outside of business hours and on weekends. It’s our job to handle all these queries – whenever they’re asked. The same goes for all your questions. Ask us anything and we’ll always do our best to respond quickly and comprehensively.

Tailored home loan solution, bespoke advice

There is never a ‘one-fits-all’ lending solution. Before we recommend anything, we conduct a thorough investigation to ensure it’s the right fit. This means we’ll have conversations with lenders, double check lending policy and perform servicing calculations. Even better than knowing you’ve got the right loan, is knowing WHY it’s superior against the alternatives. That’s what you get when you work with us.

As much (or as little) analysis as you like

If you’re someone who wants all the charts and tables and comparison analysis before taking action, that’s what you’ll get. If you’re more of a ‘big picture’ person and prefer loan structure diagrams instead, that’s what you’ll get. You call the shots, not the other way round. You’ll get everything you need to understand the ins and outs of your first home loan.

Fast turn-around (so you won’t miss out on that property)

The secret to getting your home loan approved quickly is knowing exactly how your lender likes to see applications presented. When you choose a mortgage broker who’s been working with lenders for almost two decades – a team with intricate knowledge of the internal processing systems of Australia’s largest (and smallest) lenders – you can be sure your application will be presented in *just* the right way to get approved fast.

Support from an entire team

It’s frustrating when your question can’t be answered or progress just stops, “because Jimmy’s away and no-one else can help you.” When you work with a mortgage broker at MMO, you get the support of our entire team – there’s always someone who can help you. Client feedback told us this was important and so many years ago, we restructured our business accordingly. It’s also the reason why many of our client reviews mention more than one person – we work in small teams to ensure you receive the best service possible.

Plain-language finance solutions, with YOU at the centre of the equation

Say goodbye to nodding along with the guy at the bank when starts speaking lender acronyms. The thing is, most lenders explain things from their own perspective not how it impacts you – the borrower. When we turn it around and consider everything from YOUR perspective (ie. How convenient is that for you? How does that change impact you? Does that loan feature actually provide you with benefit or does it just make it easier for the lender to retain your business later on?) suddenly things aren’t so complicated.

Let’s hear from some first home buyers…

Daniel and Greg were absolutely fantastic during the whole process of purchasing our first home.

Even before we had found our home, Daniel sat down with us and explained the whole process clearly and made sure we knew there were no silly questions. We also really appreciated the forecasted mortgage/repayment guideline which meant there was no financial shock at the end.

We really valued the openness and transparency surrounding how they worked and that the mortgage options we were given to assess were tailored to our needs.

Daniel and Greg were an incredibly efficient and professional team and made sure we felt confident by providing us with all the information we needed to make the best decisions for our situation. And their level of communication was amazing, they were always there to answer questions and would go out of their way to find the answers if they didn’t already know them. We always knew what was going on and had complete faith in Daniel and Greg to keep us in the loop.

They made buying our first home a breeze and took a huge amount of the stress out of it, we can’t recommend them enough!

Karina Nelson

Facebook Review

Brendan O’Reilly and Michael Baker assisted me with my mortgage.

They were prompt, highly professional, incredibly knowledgeable and very friendly. I was never rushed, felt well informed and am confident they found the best product to suit my unique circumstances. My matter was dealt with promptly by both agents and the handover between them was seamless and transparent.

Both Brendan and Michael have exemplary skills in customer service and a plethora of knowledge when it comes to financial lending. They are assets to the M’OR Team and I highly recommend each of them.

Pip Swan

Facebook Review

Efficient service, regular contact throughout the whole process. Karen Ajaye was amazing and held my hand through the whole process.

I can’t THANKYOU enough for helping me secure my beautiful home.

Melissa Vincent

Facebook Review

What does working with us look like?

You’ll get immediate access to:

How much does our First Home Buyer Service cost?

You’ve never worked with a broker before, so you may not know that our service is provided to you completely free of charge.

Yep, that’s right. You pay us nothing.

There have been occasions where clients have lingered after a meeting, waiting for us to present them with an invoice….

But there is no invoice. We do not charge for our service. This is not a fee-for-service transaction.

We’ll help you find the right home loan and support you through every step of buying your first home. And then, we’ll help you manage your loans for as long as you have them. We’re serious about making sure you NEVER pay more interest than you have to.

Spend the next ten years benefiting from our knowledge, industry experience and technical know-how and it won’t cost you a single cent. In fact, we’re confident it will save you money.

— So how do we get paid then? —

Mortgage brokers are paid directly by the lender, if and when they help you secure a loan.

We’re completely transparent and upfront about this and will advise how much this payment may be when we talk to you about your loan options.

A mortgage broker can access the same loan products and same home loan rates you could obtain directly from a lender. It’s true we can negotiate additional rate discounts on your behalf, but the real benefit lies in us helping you find the right loan from the right lender. We’ll then properly structure your loans to help you achieve your longer term goals. 

We’ll help you save by securing the right home loan, but you’ll also receive all the added benefits we mentioned above (plus more below!)

Here are more reasons to work with us:

We can share buying tips

Don’t pay more for your new home than you have to! We can reveal tips on how to negotiate the best purchase price; share strategies used by experienced property buyers to determine the value of a property; provide auction support; PLUS pass on the lessons we’ve learnt over the last two decades helping clients purchase over $1 billion dollars of Australian residential property.

Get access to our growing Resource Library 

As a client, you’ll have access to our growing library of industry-related articles, flowcharts, e-books, money-saving checklists, industry presentations and Q&A videos. You will also receive the Special Reports we generate for the Canberra Property Market – revealing suburb trends, property price growth patterns, changes in land values, changes in housing affordability for our Region.

Join our Client Referral Program

Take the opportunity to be rewarded with gifts and vouchers from some of Canberra’s best service providers and restaurants – simply by telling your family and friends about your experience working with us.

Work with Canberra’s best property service providers 

Over the years, we’ve worked with just about everyone in town. Based on this experience and more importantly, feedback from our clients, we’ve created a “Best of the Best” List of Canberra’s best real estate agents, property managers, solicitors, accountants, financial planners and quantity surveyors. If you need help with any aspect of the home purchasing process, we can put you in touch with the right people.

Receive Monthly Updates

Each month we summarise what’s been happening in the industry, provide commentary on market developments or potential interest rate movements and deliver it straight to your inbox. We know you probably get a tonne of emails already – most of which are irrelevant or meaningless. Accordingly, our Monthly Updates are short and to the point and have the sole purpose of bringing to your attention, anything that could affect you as a home owner (so you can do something about it if necessary).

Regular home loan reviews

We’ve taken on a mission to ensure that no client of ours ever pays more for their home loan than necessary. This means we’ll touch base with you regularly to review your loan – just to check whether there are any tweaks we can make to help save you money. This is a completely free service we provide to existing clients. We’ll also keep an eye on any Fixed Rate or Interest Only loans and advise your best options moving forward, as they approach their expiry date.

Here are more reasons to work with us:

We can share buying tips

Don’t pay more for your new home than you have to! We can reveal tips on how to negotiate the best purchase price; share strategies used by experienced property buyers to determine the value of a property; provide auction support; PLUS pass on the lessons we’ve learnt over the last two decades helping clients purchase over $1 billion dollars of Australian residential property.

Get access to our growing Resource Library 

As a client, you’ll have access to our growing library of industry-related articles, flowcharts, e-books, money-saving checklists, industry presentations and Q&A videos. You will also receive the Special Reports we generate for the Canberra Property Market – revealing suburb trends, property price growth patterns, changes in land values, changes in housing affordability for our Region.

Join our Client Referral Program

Take the opportunity to be rewarded with gifts and vouchers from some of Canberra’s best service providers and restaurants – simply by telling your family and friends about your experience working with us.

Work with Canberra’s best property service providers 

Over the years, we’ve worked with just about everyone in town. Based on this experience and more importantly, feedback from our clients, we’ve created a “Best of the Best” List of Canberra’s best real estate agents, property managers, solicitors, accountants, financial planners and quantity surveyors. If you need help with any aspect of the home purchasing process, we can put you in touch with the right people.

Receive Monthly Updates

Each month we summarise what’s been happening in the industry, provide commentary on market developments or potential interest rate movements and deliver it straight to your inbox. We know you probably get a tonne of emails already – most of which are irrelevant or meaningless. Accordingly, our Monthly Updates are short and to the point and have the sole purpose of bringing to your attention, anything that could affect you as a home owner (so you can do something about it if necessary).

Regular home loan reviews

We’ve taken on a mission to ensure that no client of ours ever pays more for their home loan than necessary. This means we’ll touch base with you regularly to review your loan – just to check whether there are any tweaks we can make to help save you money. This is a completely free service we provide to existing clients. We also keep an eye on any Fixed Rate or Interest Only loans and advise your best options moving forward, as they approach their expiry date.

What do other first home buyers say about us?

Could not recommend these guys more! I wish there were 10 stars!

Daniel and the team made buying my first house CRAZY simple with great advice, a willingness to answer all my stupid questions and keeping me in the loop at every step.

A great family business they make you feel part of the family. Give them a call. Seriously they’re mortgage wizards. Like Gandalf level.

Lauren Ottey

Facebook Review

We had the best customer service ever since we come to Australia. They make the process simple and easy, always available for questions and with a great attitude.

Brendan is absolutely awesome! He even went with us to the Auction and really helped to get the house 10k under reserve. Muchas gracias guys! Camilo Giraldo

Facebook Review

Michael Baker was the best broker we could have asked for!

We had very little knowledge of the home buying and loan process and Michael was able to help us through every stage! He went through all possible loan options and work tirelessly to find us the best deal with a bank that worked well for us. We had so many questions and changed our mind about things so often, he always jumped on board and re-explained everything in the new context.

He really did go above and beyond to get us the best deal and help us actually understand what we needed/need to do to stay on top of everything. He organised all the paperwork and had all the complex conversations with banks, something we had little confidence in doing.

We are extremely appreciative of everything he has done for us and HIGHLY recommend him!! Sandra Kinnane

Facebook Review

Frequently Asked Questions

 

I’ve never used a mortgage broker before, why can’t I just talk to my bank?

You can – you can just talk to your bank.

But when you work with us, you have access to a whole host of lenders, meaning that there’s a better chance you’ll get the right loan from the right lender, at the right rate.

We’ll also show you things lenders aren’t always so great at. For example, we can show you how to reduce your interest costs using specific loan features that are available to almost everyone and ensure that any loan selected is the right one for you (not just the lender).

Latest reports indicate that more than half all residential home loans are now arranged through a mortgage broker. There’s a reason for that – come find out why.

 

Can I get a better deal if I go through a mortgage broker

We can access exactly the same loan products as what’s available if you walked straight into your local branch.

It’s true we can negotiate additional rate discounts on your behalf. But but the real benefit is in helping you find the right loan from the right lender and then structuring your loans so you’re not left out of pocket.

If you take into account all the added benefits you receive (at no cost) by working with us, it’s easy to see why growing numbers of first home buyers are choosing mortgage brokers.

 

Are you sure there are no hidden fees to use your services? 

There no fees for our service.

We do NOT charge any fees for calculating your Borrowing Capacity, analysing your lending options, preparing repayment tables, or tailoring a loan structure to suit your objectives.

Likewise, we do NOT charge any fees for lodging your application, managing the entire process from start to finish or charge you fees for any ongoing services we provide (ie. post-settlement checks; helping you change/ switch your loan later on; or performing home loan reviews).

If we arrange a loan for you, we may receive a payment directly from the lender. Because we want to be completely transparent and upfront with you, we will advise how much this payment may be when we talk to you about your loan options.

Our service is provided to you free of charge, and you have no obligation to proceed with any of our recommendations.

 

How long after I talk to you can I make an offer on my first property? 

This depends on a few factors. Specific times of the year (i.e. the lead up to Christmas and end of financial year) can be a busy time of year for lenders, so things can take a little longer on their end to be processed.

The faster you provide all your supporting documentation, the faster you’ll get a result.

If you’re thinking of buying your first home soon, it’s ALWAYS better to get your finance in place well before you need it. Otherwise, you’ll find yourself unable to bid at the weekend’s Auction, simply because you were a little slow to get things moving.

 

I’d prefer to meet before sending you any information about my personal situation. Can I just book an appointment? 

We completely understand that it may seem like we’re asking for a lot of information, right at the start. The thing is though, we cannot provide the best service (or accurate advice) without detailed information about your situation upfront. Lenders are changing their policies all the time and without a clear picture of your situation, we’re kind of just guessing what might be possible from a lending perspective.

If you want to have a general chat before sending anything through, please call us on 02 6286 6501.

We know there may be others out there who don’t ask for much information initially – and that’s completely up to them. We want to deliver the best service possible, without wasting your time. We’re continually refining our processes based on client feedback and we’re confident our current systems help us to do exactly that. (Our 5 Star Facebook and Google Review Rating confirms this too.)

 

I’m not technically a first home buyer, can you still help me? 

Absolutely we can!

We can also help if you’re looking to review your existing home loan, upgrade your home or purchase an investment property.

Are you currently taking on more First Home Buyer clients?

Being a small family team of mortgage brokers, there’s a limit to the number of new clients we can take on each month. This suits us perfectly because we’re not interested in being the biggest brokerage in town. Our focus has always been on delivering quality service to quality clients.

We only want to help borrowers who are keen to set things up correctly the first time and establish good habits to create a strong financial future.

If this sounds like you, we’d love to help you purchase your first home!

 

Frequently Asked Questions

 

I’ve never used a mortgage broker before, why can’t I just talk to my bank?

You can – you can just talk to your bank.

But when you work with us, you have access to a whole host of lenders, meaning that there’s a better chance you’ll get the right loan from the right lender, at the right rate.

We’ll also show you things lenders aren’t always so great at. For example, we can show you how to reduce your interest costs using specific loan features that are available to almost everyone and ensure that any loan selected is the right one for you (not just the lender).

Latest reports indicate that more than half all residential home loans are now arranged through a mortgage broker. There’s a reason for that – come find out why.

 

Can I get a better deal if I go through a mortgage broker

We can access exactly the same loan products as what’s available if you walked straight into your local branch.

It’s true we can negotiate additional rate discounts on your behalf. But but the real benefit is in helping you find the right loan from the right lender and then structuring your loans so you’re not left out of pocket.

If you take into account all the added benefits you receive (at no cost) by working with us, it’s easy to see why growing numbers of first home buyers are choosing mortgage brokers.

 

Are you sure there are no hidden fees to use your services? 

There no fees for our service.

We do NOT charge any fees for calculating your Borrowing Capacity, analysing your lending options, preparing repayment tables, or tailoring a loan structure to suit your objectives.

Likewise, we do NOT charge any fees for lodging your application, managing the entire process from start to finish or charge you fees for any ongoing services we provide (ie. post-settlement checks; helping you change/ switch your loan later on; or performing home loan reviews).

If we arrange a loan for you, we may receive a payment directly from the lender. Because we want to be completely transparent and upfront with you, we will advise how much this payment may be when we talk to you about your loan options.

Our service is provided to you free of charge, and you have no obligation to proceed with any of our recommendations.

 

How long after I talk to you can I make an offer on my first property? 

This depends on a few factors. Specific times of the year (i.e. the lead up to Christmas and end of financial year) can be a busy time of year for lenders, so things can take a little longer on their end to be processed.

The faster you provide all your supporting documentation, the faster you’ll get a result.

If you’re thinking of buying your first home soon, it’s ALWAYS better to get your finance in place well before you need it. Otherwise, you’ll find yourself unable to bid at the weekend’s Auction, simply because you were a little slow to get things moving.

 

I’d prefer to meet before sending you any information about my personal situation. Can I just book an appointment? 

We completely understand that it may seem like we’re asking for a lot of information, right at the start. The thing is though, we cannot provide the best service (or accurate advice) without detailed information about your situation upfront. Lenders are changing their policies all the time and without a clear picture of your situation, we’re kind of just guessing what might be possible from a lending perspective.

If you want to have a general chat before sending anything through, please call us on 02 6286 6501.

We know there may be others out there who don’t ask for much information initially – and that’s completely up to them. We want to deliver the best service possible, without wasting your time. We’re continually refining our processes based on client feedback and we’re confident our current systems help us to do exactly that. (Our 5 Star Facebook and Google Review Rating confirms this too.)

 

I’m not technically a first home buyer, can you still help me? 

Absolutely we can!

We can also help if you’re looking to review your existing home loan, upgrade your home or purchase an investment property.

 

Are you currently taking on more First Home Buyer clients?

Being a small family team of mortgage brokers, there’s a limit to the number of new clients we can take on each month. This suits us perfectly because we’re not interested in being the biggest brokerage in town. Our focus has always been on delivering quality service to quality clients.

We only want to help borrowers who are keen to set things up correctly the first time and establish good habits to create a strong financial future.

If this sounds like you, we’d love to help you purchase your first home!

 

Don’t waste time and money trying to do it all alone.

Get the support you need to purchase your first home the right way.

 

Click on the button below to get started.

We’ll ask for some contact details and be in touch shortly.