HoME LOANS

Home Loans For All Circumstances

A professional, personal service for property buyers

For most people, purchasing property is the biggest financial transaction and investment they make. So once you’ve found the perfect property it’s vital you choose the right partner to get you the finance you need to complete your purchase. Whether you’re buying your first home, making the next move or investing in property for the future or your retirement, Your Loan Solutions can provide the expert guidance and finance you need.

First Home

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Buying your first home is an amazing step in your life journey. You can’t wait to have your own space, ditch the rent payments and furnish your home just the way you like it!

Whether you’re the sort of homebuyer who’s driven by your heart or your head, it definitely pays to have professional assistance. Using a professional independent mortgage broker means you’ll get access to a wider range of product types and lenders than if you simply approach your current bank.

It pays to be pre-approved

Before you find that “got to have” house which is going to auction at the weekend or has a “best and final offers” deadline in a few days you need to now how much you can spend.

Sellers (and their agents) will be looking for you to be formally pre-approved to have confidence that you can obtain finance to complete the purchase. Loan pre-approvals are designed to help home buyers gain a clearer picture in regards to what they may be able to borrow. Many home buyers choose to get pre-approval as this means that finance is easily accessible and ready to go once they find the property they want to buy.

Your Loan Solutions will help you obtain pre-approval from a suitable lender, giving you peace of mind that you have access to finance when you need it. So now you’re all set to start house-hunting with the confidence that you’re ready to buy when that dream property turns up!

Help every step of the way

Your Loan Solutions can guide you every step of the way, from pre-approval and securing a suitable loan, through to applying for government incentives such as the First Home Owners Grant.

With previous experience working in real estate, Your Loan Solutions can provide information, guidance and advice on how the whole process works – which means you get the complete picture and avoid any surprises down the line. We can explain how the process of making offers works, explain the auction process and give first hand advice on land and build projects.

Our personal service means we learn about your circumstances and future plans to help you find a product that’s right for you now and flexible enough to support you in the future.

Next Home

More Info

There are lots of reasons why you might be buying your next home. Upsizing as your family grows, down-sizing as your children leave home, or maybe you’re in a position to buy an investment property or holiday home.

Although you’re not new to house buying, it still helps to have a professional mortgage broker on your side. And remember you don’t pay anything for our services – the lender we refer you to pays our fee.

Now’s the time to find a better loan

Moving house or buying a new property is a great time to check out the mortgage market – particularly if you’ve had your current product for a few years. You may be paying a release fee to close out your current product so it definitely makes sense (and could save you money) to see what the market has to offer rather than simply choosing to stay with your current lender.

We’ll do the searching once we know your circumstances – and changing your mortgage provider doesn’t mean you have to change your current account or credit card arrangements.

Flexible bridging loans 

If you’re looking to buy a new property and don’t want to wait until you can access funds from the sale of your current home, you may need a bridging loan. Options are available for interest only loans or you can capitalise the interest for the duration of the loan.

Investment properties

If you’re planning to buy an investment property, a professional broker can advise you on the best way to use loans and capital to fund it.

Acquiring loans based on equity can be a little more complex, so it’s a good idea to take professional advice and understand the options open to you.

Re-financing

More Info

Re-financing typically refers to taking out a new mortgage or home loan product on your existing property through your current lender or a new provider.

There are many reasons people choose to re-finance their loans; however the main reason is to reduce monthly repayments. Generally, the idea is to take out a new loan at a lower interest rate, or select a fixed rate loan that offers the security of fixed monthly repayments.

Even if you don’t have a specific need to re-finance, if you’ve been with the same lender and on the same product for several years, reviewing the current market can make a lot of sense.

Many people choose to re-finance loans as their personal situations change – professional advice and assistance can help you make the right choices.

Self-Employed

More Info

Some banks, lenders and comparison sites just aren’t set up to deal with the specific circumstances and home loan needs of self-employed applicants.

But if you’ve been frustrated, confused or rejected by a traditional lender, it doesn’t mean that you can’t secure the home loan you need.

Supporting documentation

The amount of financial documentation that our self-employed clients have can vary. You might have folders and folders of material or you may have very little. Some traditional lenders can lack the flexibility to work with what you’ve got – and if you don’t have the exact information they need (like up-to-date tax returns), your application can grind to a halt almost before it’s started. This is where a professional mortgage broker can help.

Two loan application approaches:
1) ‘Full doc’ loans
‘Full doc’ means you have all the up-to-date documentation needed to apply for a particular loan. Lenders use this information to assess your ability to repay the loan amount you’re applying for.
This may include evidence of tax returns and other financial records – and we’ll explain the document requirements of each product during our meetings with you.
2) ‘Alt doc’ loans
If you can’t provide all the documents needed for a ‘Full doc’ application, we’ll discuss your ability to meet ‘Alt doc’ loan requirements. Lenders will look for evidence of income and assets that show your ability to repay your loan. If you don’t have tax returns, lenders may accept alternatives such as business bank statements, ATO Activity Statements (BAS) or a declaration from your accountant.

First Home

More Info

Buying your first home is an amazing step in your life journey. You can’t wait to have your own space, ditch the rent payments and furnish your home just the way you like it!

Whether you’re the sort of homebuyer who’s driven by your heart or your head, it definitely pays to have professional assistance. Using a professional independent mortgage broker means you’ll get access to a wider range of product types and lenders than if you simply approach your current bank.

It pays to be pre-approved

Before you find that “got to have” house which is going to auction at the weekend or has a “best and final offers” deadline in a few days you need to now how much you can spend.

Sellers (and their agents) will be looking for you to be formally pre-approved to have confidence that you can obtain finance to complete the purchase. Loan pre-approvals are designed to help home buyers gain a clearer picture in regards to what they may be able to borrow. Many home buyers choose to get pre-approval as this means that finance is easily accessible and ready to go once they find the property they want to buy.

Your Loan Solutions will help you obtain pre-approval from a suitable lender, giving you peace of mind that you have access to finance when you need it. So now you’re all set to start house-hunting with the confidence that you’re ready to buy when that dream property turns up!

Help every step of the way

Your Loan Solutions can guide you every step of the way, from pre-approval and securing a suitable loan, through to applying for government incentives such as the First Home Owners Grant.

With previous experience working in real estate, Your Loan Solutions can provide information, guidance and advice on how the whole process works – which means you get the complete picture and avoid any surprises down the line. We can explain how the process of making offers works, explain the auction process and give first hand advice on land and build projects.

Our personal service means we learn about your circumstances and future plans to help you find a product that’s right for you now and flexible enough to support you in the future.

Next Home

More Info

There are lots of reasons why you might be buying your next home. Upsizing as your family grows, down-sizing as your children leave home, or maybe you’re in a position to buy an investment property or holiday home.

Although you’re not new to house buying, it still helps to have a professional mortgage broker on your side. And remember you don’t pay anything for our services – the lender we refer you to pays our fee.

Now’s the time to find a better loan

Moving house or buying a new property is a great time to check out the mortgage market – particularly if you’ve had your current product for a few years. You may be paying a release fee to close out your current product so it definitely makes sense (and could save you money) to see what the market has to offer rather than simply choosing to stay with your current lender.

We’ll do the searching once we know your circumstances – and changing your mortgage provider doesn’t mean you have to change your current account or credit card arrangements.

Flexible bridging loans 

If you’re looking to buy a new property and don’t want to wait until you can access funds from the sale of your current home, you may need a bridging loan. Options are available for interest only loans or you can capitalise the interest for the duration of the loan.

Investment properties

If you’re planning to buy an investment property, a professional broker can advise you on the best way to use loans and capital to fund it.

Acquiring loans based on equity can be a little more complex, so it’s a good idea to take professional advice and understand the options open to you.

Re-financing

More Info

Re-financing typically refers to taking out a new mortgage or home loan product on your existing property through your current lender or a new provider.

There are many reasons people choose to re-finance their loans; however the main reason is to reduce monthly repayments. Generally, the idea is to take out a new loan at a lower interest rate, or select a fixed rate loan that offers the security of fixed monthly repayments.

Even if you don’t have a specific need to re-finance, if you’ve been with the same lender and on the same product for several years, reviewing the current market can make a lot of sense.

Many people choose to re-finance loans as their personal situations change – professional advice and assistance can help you make the right choices.

Self-Employed

More Info

Some banks, lenders and comparison sites just aren’t set up to deal with the specific circumstances and home loan needs of self-employed applicants.

But if you’ve been frustrated, confused or rejected by a traditional lender, it doesn’t mean that you can’t secure the home loan you need.

Supporting documentation

The amount of financial documentation that our self-employed clients have can vary. You might have folders and folders of material or you may have very little. Some traditional lenders can lack the flexibility to work with what you’ve got – and if you don’t have the exact information they need (like up-to-date tax returns), your application can grind to a halt almost before it’s started. This is where a professional mortgage broker can help.

Two loan application approaches:
1) ‘Full doc’ loans
‘Full doc’ means you have all the up-to-date documentation needed to apply for a particular loan. Lenders use this information to assess your ability to repay the loan amount you’re applying for.
This may include evidence of tax returns and other financial records – and we’ll explain the document requirements of each product during our meetings with you.
2) ‘Alt doc’ loans
If you can’t provide all the documents needed for a ‘Full doc’ application, we’ll discuss your ability to meet ‘Alt doc’ loan requirements. Lenders will look for evidence of income and assets that show your ability to repay your loan. If you don’t have tax returns, lenders may accept alternatives such as business bank statements, ATO Activity Statements (BAS) or a declaration from your accountant.

  • NFixed & variable rate loans
  • NOffset, re-draw & interest-only loans
  • NBridging loans & Investment property loans
  • NLand & construction loans
  • NLow credit score loans
  • NSMSF Loans
  • NRenovation loans
  • NLow deposit home loans
  • NFull Doc & Alt Doc Loans
  • NHoneymoon loans

Whether you’re just starting off or have a portfolio of properties, we can find the best loan solutions for your needs

 We Scour The Market For The Best Loan Solution For You

prospa
30ali
28westpac
27valiant
25teachersmutualbank
Suncorp
23stgeorge
22pepper
21nab 1
20mebank
19macquarie
18loanstoday
17liberty
16latitudefinancial
15latrobefinancial

Let us help you buy a home

Happy Clients

We first contacted Marti at the advice of the real estate agent showing us the house we were interested in. Within an hour and on a Sunday she was at our house sharing her great knowledge of products with us to find the best one for our circumstances. She is always very attentive, friendly, and ever so helpful. She found us a product that enabled us to secure the house we wanted. She even came over later to explain the repayments again to us as being our first home we were confused by it all. I would definitely contact her again in the future and would highly recommend you do the same. You won’t be disappointed.

Alexis

First Time Buyer, Samford

Everything fell in place so effortlessly and it was great that someone pointed us to Marti. She’s honest and straight forward. I highly recommend Marti as a first choice broker.

Amanda

First Time Buyer, Bray Park

The estate agency recommended Marti, and I thought I’d give her a try. I had done a mortgage comparison online, and I knew the best market rates I could get. She came to my home, talked through all the various types of mortgage, answered all my questions and 30 minutes later we were reviewing the broker-only deals she had – much better than my findings!

Becky

Home Buyer, Samford

We found Marti, from a referral from a friend, after 5 months of knockbacks from other brokers and having not been successful with the applications. Marti went out of her way to make sure she got us the result we wanted. I would highly recommend Marti for any type of loan, very genuine person. We can’t thank her enough.

Metin & Jackie

Home Buyers, Samford

We had recently decided to purchase our first investment property with slightly complicated finances we thought we would use the services of a mortgage broker. We would highly recommend Marti for anything financial, we are so glad we took the leap and entrusted her with our finances and will definitely be using Marti’s services again. Thank you, thank you, thank you from the bottom of our hearts.

Bronwyn & Mike

Property Investors, Property Investors

Having been introduced to Marti by a friend, who is also another happy customer, I found her to be professional, understanding, strategic and tenacious. She goes far beyond the business transaction. Marti takes a real interest in what you are trying to achieve. She advises and counsels where she sees the need. To my mind, she is on top of her profession and I highly recommend her. Marti is simply a joy to do business with

Digby & Laurel

Home Buyers, Nudgee Beach