Home Loans
Get into your first home, next home or dream home sooner with a range of Home Loan options. Get help from an experienced Mortgage Broker at Estuary Finance today!
Rated 5 from 8 Reviews
Rated 5 from 8 Reviews
When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.
When looking at different Home Loan Options, it's important to understand some of the key loan attributes:
Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.
We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.
Initial Consult with Estuary Finance
Have a chat with a qualified Mortgage Broker who will understand your situation and talk you through the next steps.
Home Loan Fact Find
Your Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.
Home Loan Pre-Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
JB
Jordan Baker
Jordyn done an excellent job on getting us through all the stages, being very transparent on what was happening through every step of the way. Highly recommend Jordyn to everyone looking for a home loan, made the process very easy.
KG
Kirra Grenfell
We have gone to Jordyn twice now for refinancing and highly recommend her. Jordyn is very knowledgeable, helpful, super patient and genuinely a nice person to talk to. Not only has she managed to get us a better rate she helped us to jump over some big hurdles get get extra $ to renovate our backyard so we can create our dream backyard with a pool.
MS
Mel Silcock
I cannot recommend Jordyn enough, from my first meeting with Jordyn and her team, to completing finance was a breeze. She kept me updated and was so easy and friendly to deal with. I won’t go anywhere else if I ever need a broker again.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Estuary Finance Pty Ltd ABN: 85 684 641 772. Credit Representative #566942 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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