Why is it a smart choice to contact our mortgage guides. Well, here are a few reasons:

Personalized Guidance: We will be there with you every step of the way, offering customized advice and support throughout the mortgage process.
Multiple Lenders at Your Fingertips: We have connections with various lenders, including big banks and alternative institutions. This gives us more options to find the perfect mortgage solution for you.
Competitive Rates: By shopping around and comparing rates, We can help you secure the most competitive interest rates and favorable terms.
Save Time and Hassle: Let us take care of the paperwork, negotiations, and all the nitty-gritty details so you can focus on what matters most to you.

Our brokers work for your benefit. They are not working for a particular bank, or vendor or any real estate agent. They have just your best interest in mind and therefore can compare a wide range of loan products.

Services

# Understand your commitments

# Understand your expenses, which have increased but that don’t have to shorten your hands

# Workout your borrowing power

# Understand the difference between need of the hour and just watching the market from far

We assess the financials with 40 different lenders and provide options not given before. We thrive on the reach we have in market and also the options present to achieve the goals you aim for.

Pre Approval

Pre-approval provides borrowers with an estimate of their borrowing power for a specific value range, serving as the pre-qualification for a loan or mortgage.

Refinance

Refinance is the process of replacing an existing loan or mortgage with a new one, typically with better terms such as lower interest rates or extended repayment periods.

Home / Land

It involves obtaining a mortgage loan that covers the combined value of the home and the land. It allows individuals to secure the necessary funds for the entire property in a single loan. Home and land finance provides an integrated solution for buyers seeking to own both the physical structure and the underlying land, streamlining the financing process.

Commercial / Business

Commercial finance encompasses a range of financial products and solutions tailored to assist businesses with their funding, investment, and operational requirements. Commercial finance can include services such as business loans, lines of credit, asset-based lending, equipment financing, invoice factoring, and other financial tools aimed at supporting the growth and operations of commercial ventures.

Construction

A construction loan is a type of financing specifically designed for construction projects. It provides funds to cover the costs of building a new structure or renovating an existing one. The loan is typically disbursed in stages as construction progresses and converts into a mortgage once the project is completed.

40+ lenders on the panel

Type of Loans

Fixed Loan

A fixed loan is a loan type where a certain period of time is agreed upon for freezing the interest rate amount. During this time, the repayments and interest rates remain unchanged. This does not alter even with the changing market conditions.

Variable Loan

Variable loan is a loan type in which the rate of interest varies (goes up and down) based on any changes incurred in the Reserve Bank of Australia. The interest rate associated with the outstanding balance is varied according to the market rates.

Split Loan

A split loan allows the borrower to split the home loan into different account based on which the different rates of interest are incurred. The allocation of the amount dedicated to each account is at the discretion of the borrower and as agreed by the lender. The two components of the split mortgage include variable and fixed rate.

Bridging Loan

A bridging loan acts as an additional loan on the existing loan for the existing property. The bridging period refers to the time wherein you are trying to sell your old property while acquiring a new one.

Construction Loan

The construction loan type is suitable for those, who are planning to make renovations or building a new home. The loan is obtained stage-wise, wherein the amount can be obtained as the work on the home progresses.

Interest-only Loan

Under this loan type, the borrower is required to pay for the interest only during some part of the term or all the term. The principal amount remains unchanged for the duration of the interest-only time.

Line of Credit Loan

The line of credit pre-sets a limit on the amount that can be borrowed at any given time. Until this limit is attained, the amount can be borrowed and repaid at the convenience of the borrower.

Low Doc Loan

Low doc loan type enables a borrower with limited income, assets and employment proof apply for a mortgage. This is a suitable loan option for people with variable monthly income amidst uncertain financial situations.

Contact us today, we are local and near to you:

+61 4202 0 0550

+61 4499 2 4499

aandbmortgage@gmail.com