Mortgage Brokers in Altona

We take care of the entire home loan process from start to finish, removing undue stress and complexity from the property financing process.

• Our team manages everything from initial lender research to settlement coordination.
• We present appropriate loan options from various financial institutions tailored to your specific situation and requirements.
• By negotiating directly with lenders on your behalf, we secure favourable rates and approval conditions that might otherwise be unavailable.

Our local brokers assist the full lending spectrum, including:

• SMSF loans
• First home buyers' loans
• Investment loans
• Commercial and business loans
• Next home loan
• Refinancing
• Expat mortgage
• Loan for doctors
• Loan for lawyers
• Loans for accountants

Our broking team assists clients across metropolitan and regional Victoria while proudly serving the Altona community. We also service the areas of suburban Toorak, Balwyn, Ballarat, Box Hill, Brighton, Chadstone, Clayton, Bentleigh, Geelong, Glen Waverley, Kew, Malvern, Mount Waverley, Notting Hill, Richmond, and Wheelers Hill.

If you're looking to refinance, we provide comprehensive reviews that compare your existing loan with current market offerings to help you identify potential savings. Mortgage market conditions change regularly, often revealing better options, especially when your fixed term is ending, your income has increased, or interest rates have moved since you initially borrowed. Upon request, we analyse your current rate, fees, and features to find suitable alternatives that could reduce monthly repayments and save thousands over your loan term. Contact us today for a personalised assessment.

Absolutely, keeping up with government assistance is a big part of what we do, especially for first-home buyers. Many state and federal programs offer helpful valuable opportunities based on various factors like the purchase price, type of property, and buyer situation. Our Altona team ensures eligible clients can take full advantage of any concessions, stamp duty discounts, and first-home buyer programs that apply to them.

LMI represents additional protection for lenders when loans exceed 80% of a property's value (less than 20% deposit). While this insurance doesn't protect you as the borrower, you'll bear the cost as an upfront payment or add to your loan balance. Our brokers can often help reduce or eliminate LMI expenses through specialised lender programs, guarantor arrangements, or effective use of existing property equity. Discuss your specific situation with our team for potential LMI reduction strategies.

While optional, obtaining pre-approval provides significant advantages during your property search across Altona and surrounding suburbs. It establishes clear price parameters for your search, demonstrates serious buyer intent to agents and vendors, and positions you to act decisively when you find the right property. Most clients find the confidence of knowing their realistic purchasing power makes the simple pre-approval process worthwhile.

Low-doc lending provides pathways to property ownership for self-employed individuals without traditional income documentation. Instead of standard payslips, these specialised products allow alternate verification through business activity statements, accountant letters, bank transaction records and similar business documentation. Many entrepreneurs and small business owners benefit from these options when conventional income verification doesn't reflect their financial position.

Our team has developed specialised expertise in assisting a growing community of independent professionals and business owners. We recognise that traditional lending frameworks may not always capture the full potential of variable income patterns or adequately account for legitimate business deductions. So, our approach for self-employed clients typically involves collaboration with your accountant to present your financial situation favourably to lenders with flexible assessment criteria, maximising borrowing potential while ensuring manageable repayment arrangements.

Approval timeframes vary considerably between lenders and loan types, ranging from rapid 24-hour pre-approvals to more comprehensive assessments taking 1-2 weeks. Our Altona office understands local property market timing pressures, particularly in competitive situations. We prioritise applications based on your timeline requirements and leverage our established lender relationships to expedite processing whenever possible. After your initial consultation, we'll provide realistic timeframe expectations based on your chosen lender and current processing conditions.