Leading Mortgage Brokers in Sutherland Shire, Sydney
Loan Station is among the best mortgage brokers in Sydney, NSW. With years of experience and detailed knowledge of over 30 lenders’ processes and requirements, we can help you with all your personal and business finance requirements.
We understand that buying property is one of the biggest commitments you’ll make – that’s why we have expert mortgage brokers to help you throughout this process.
We follow a step-by-step process:
- Discovery – what services do you need?
- Planning – how can we best meet your needs and add value?
- Selection – we select the best offers among our lenders and present them to you.
Along the way, we’ll educate you on the different aspects of the home loan process.
Who we help
Because we work with over 30 lenders, we can help you regardless of your personal circumstances.
Self-employed?
Many of our lenders specialise in offering finance to self-employed people.
Single income and self-employed?
That’s no obstacle for us. Apply now.
We work with lenders that want to do business with borrowers
in that position.
Small deposit?
We work with lenders who will accept 3% deposits.
Large deposit?
We’ll help you make the most of a large deposit by getting you preferential interest rates and offers that don’t require lender’s mortgage insurance (LMI). Our staff, who we believe are among the best mortgage brokers in Sydney, will make sure you’re rewarded for the large deposit.
Guarantor?
If a family member is prepared to guarantee your home loan, we’ll help you buy a property with a very small or even 0% deposit, and without needing to pay LMI.
Loan Requirements
Home, commercial and business loans are often more complicated than they appear. The loans may have hidden costs, while the lenders may have strict assessment criteria. We’ll explain the pros and cons of different loan options to you and present your loan application in a way that maximises your chances of approval.
Pre-approval?
We work with lenders that can pre-approve your loan within 48 hours so you can quickly get your finance in place before you begin looking for a property – get started now.
Refinancing?
There are many valid reasons to refinance your home loan. The most popular reason people refinance through mortgage brokers in Sydney is to switch to a comparable loan with a lower interest rate.
If the value of your property has increased, you could access those funds to add value to your property, like installing a pool or remodelling the kitchen. You could also use those funds to put down a deposit on an investment property.
Offset account?
If you want an offset account, we’ll shortlist loans that offer this feature.
An offset account is a transaction account that helps you reduce the amount of interest you pay. That’s because instead of charging you interest on the value of your outstanding mortgage, the lender will charge you interest on the outstanding mortgage minus whatever amount is in your offset account. So if your outstanding mortgage is $700,000 and you have $40,000 in your offset account, you’ll be charged interest on $660k, not $700k.
Redraw facility?
We can also help you find loans with a redraw facility, if that’s something you value.A redraw facility is similar to an offset account in that it helps you reduce the amount of interest you pay. Again, if your outstanding mortgage is $700k and you have $40k in your redraw, you’ll be charged interest on only $660k. You can also claim back (or redraw) any extra payments you make into your home loan.
Added Value
As mortgage brokers in Sutherland Shire, we understand the Sutherland Shire property market and the greater Sydney market. We can do more than get you a great deal on a home loan. We can discuss your property needs with you, calculate your borrowing capacity and therefore the maximum amount you could spend on a property.
Apply now to talk to one of our mortgage brokers.
First home buyers
We’ll help you claim all the benefits you’re entitled to.
First Home Guarantee (FHBG)
If you want to participate in the First Home Guarantee Scheme, we can submit your application to the FHBG (places are limited) and manage your home loan application.
You may qualify for the FHBG if:
- You’re buying property in Australia for the first time
- You have at least a 5% deposit
- You’re an Australian citizen – or will be by the time you need the loan
- You’re 18 years or older
- Your assessed earnings don’t exceed $125,000 if you’re an individual or $200,000 as a couple
- You’re going to be an owner-occupier
NSW government assistance
NSW has certain stamp duty (officially known as transfer duty) concessions for first home buyers. These concessions apply whether you purchase an existing home or build your own.
- If you’re buying or building a home valued less than $650,000, you qualify for a full stamp duty exemption
- If you’re buying or building a home valued between $650,000 and $800,000, you qualify for a partial stamp duty exemption
- If you’re buying vacant land valued less than $350,000, you qualify for a full stamp duty exemption
- If you’re buying vacant land valued between $350,000 and $450,000, you qualify for a partial stamp duty exemption
(Note that different caps applied between 1 August 2020 and 31 July 2021.)
Property investors
As top mortgage brokers in Sydney, we have years of experience in property and finance. We can help you grow your investment portfolio, whether you already have the money required to fund a deposit or need to be strategic about it.
For example, you could use the equity in your existing properties to buy your next property without putting any money down. That’s because many lenders will let you borrow against the equity in your home; that loan can then be used to fund the deposit on an investment property.
Our expert team of Sydney mortgage brokers can work with you to capitalise on your equity.
Business loans
We can help you get a flexible business loan, whether you want to upgrade your equipment, expand your inventory or manage your cash flow.
Commercial property loans
Tired of paying rent for your business premises? We can help you buy your own commercial property. Based on your unique circumstances, we’ll compare the commercial loan market for you and provide you with a shortlist of suitable options. To maximise your chances of approval, we’ll then package your application in a way that suits that lender’s specific requirements. Apply now
.
Construction loans
Need a construction loan? We can help you finance the build of your dream home or an income-earning investment property. The lender will progressively provide you with funding during the build, so you only pay interest on the amount you’ve borrowed so far rather than the entire amount you’ll end up borrowing.
Whatever you need to finance, Loan Station’s expert mortgage and finance brokers will work with you to get you a great deal from the dozens of lenders we work with.
Let’s Get Started
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Alternatively, call us on 1300 46 46 11 or click HERE to book an appointment.
