Mortgages

This is often the largest purchase anyone can make and can prove extremely stressful as there are a lot of factors to take into account so using a broker removes a lot of that stress as they are the ones sourcing you the best mortgage.

People often ask ‘why a broker?’

The short answer is that we have access to pretty much every lender available in Australia which means every product and probably the most important part is we know who is buying what at any given time.

Often the downfall of going directly to a lender yourself is that you don’t know what their current buying appetite is like and without having someone to negotiate on your behalf if the computer says no that is where it will stay.

Mortgages are for 1st home owners, upsizing, downsizing, investment or sea change.

We will work with you to make your dream home a reality.

Frequently Asked Questions

What happens if I have bad credit?
We have lenders on our panel who deal specifically with bad credit applications. If we can't help you immediately, we will put together a plan to get you in the position to obtain finance.
What documents do you need?
We need to verify your identity and income so we will need your licence, medicare card and two most recent payslips. (we may require more but that is a start)
Can you help me if I'm unemployed?
Yes, we have helped clients who are solely on Centrelink benefits. If you are unsure if you would qualify, please get in touch and we will see what we can do.
I'm self -employed and have no financials. Can you help?
Yes we can, please contact us to talk through your situation.
I unsure of how much I can borrow?
Your borrowing power depends on many factors, we can help you determine how much you are able to borrow.
Can I get a loan with irregular income?
Banks assess applications on a case to case basis and will depend on things such as credit history, time in employment and equity/deposit ect.

Did We Answer Your Question?

If you are still wondering if we're the best people for the job, only way to find out is to have a chat with us.

This information provided by The Funding Factory under Australian Credit Licence 408202, Credit rep number 412577 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

* The Funding Factory approved customers only. Terms, conditions, fees and charges apply. Deposit and weekly payments may vary depending on a number of factors, including the information you provide us and our assessment of your application. All applications are subject to lending and approval criteria.


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