Mortgage Brokers in Ballarat

At Original Wealth, we offer comprehensive mortgage assistance and help you secure the required finances without any hassles or delays.

• From initial search to comparison and paperwork, we support you at each step of your mortgage journey.
• We bring you plenty of mortgage options for multiple lenders that align with your requirements and help you make informed decisions.
• Our dedicated mortgage brokers will help you negotiate for better rates and faster approval, streamlining your entire process.

At Original Wealth, our mortgage brokers in Ballarat offer assistance with all kinds of loans 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

At Original Wealth, we serve you wherever you are. Our mortgage broking services cover all of Australia, including Toorak, Balwyn, Ballarat, Ballarat, Box Hill, Brighton, Chadstone, Clayton, Bentleigh, Geelong, Glen Waverley, Kew, Malvern, Mount Waverley, Notting Hill, Richmond and Wheelers Hill.

Yes, our finance brokers offer refinancing solutions. Refinancing your current mortgage can help you obtain better terms and rates. When you connect with us, our experts will conduct a loan health check, give you an expert opinion and guide you in the right direction. If you think you are paying more than the prevalent interest rate or wish to achieve more flexible terms, refinancing could be an excellent option for you. To know more about mortgage refinancing, get in touch with us at Original Wealth.

Yes, our brokers can help you secure government grants and incentives that you are eligible for. There are several government schemes that support first-home buyers in their purchase, and we are familiar with them all. With us, you will not miss out on anything to help you save during your loan journey.

LMI is an insurance policy that protects the lender if you default on the loan. It is usually applicable for loans where the loan exceeds 80% of the property's value. It is an additional cost that you might incur during your mortgage journey. But our loan brokers can help you potentially avoid LMI by accessing applicable waivers, considering guarantor loans or using equity from another property. For more information, get in touch with us today.

Pre-approval is not necessary, but it is recommended as it can help you determine how much you can borrow and sort out your expectations accordingly. With pre-approval, you can understand your purchasing power, find properties within your budget bracket and streamline your entire journey.

Low-doc or low-documentation loans are lending options designed specifically for self-employed professionals who don’t have traditional pay slips for income verification. Under low-doc loans, you can use documents like BAS and bank statements to prove your eligibility and repayment capacity.

Yes, we specialise in working with self-employed clients. We understand that your income may not fit traditional lending criteria, so we match you with lenders offering flexible options. Whether you’re a sole trader, contractor, or run a company, we can help structure a finance solution that reflects your true earning capacity and maximises your borrowing power.

The approval duration can vary from lender to lender. But on average, it can take between 24 hours to 2 weeks. At Original Wealth, we understand that financing needs are often time-sensitive. Once you connect with us, we will initiate the process without any delays and leverage our connection to secure faster approvals.