Mortgage Brokers Albury

Mortgage brokers in Albury can save homebuyers like you thousands of dollars. Speak to a local home loan specialist and find a cheaper, faster mortgage.
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, updated on August 8th, 2023       

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Speak to a mortgage broker before you buy your next home and save money, time, and effort. Enquire with Savvy and connect with local MFAA or FBAA-approved home loan specialists who search more products and lenders to find you a better deal.

How does a Savvy broker find me the right mortgage?

Our mortgage brokers work to find you the cheapest, most useful home loan for your situation and make the application process as painless as possible. They can do that for a few different reasons:

  • Firstly, they partner with many lenders, so they can compare hundreds of owner-occupier home loans and specialist mortgages to find you a lower rate and a better fit.
  • Secondly, they know the industry, so they can target lenders that suit your needs, means, and your plans. That also puts them in a great position to help you through the application process.
  • Thirdly, mortgage brokers stick with the task once you apply. They’ll chase up progress with the lender, liaise with all parties such as real estate agents and conveyancers, and make sure your loan gets approved and settled as fast as possible.

Savvy's brokers look to match products and home loan features with borrowers, which is the best way to maximise savings on your mortgage. First, they’ll help you assess the merits and drawbacks of options like fixed or variable-rate repayments and split-rate repayments – then they’ll look to add extra value, utilising a range of solutions, including:

  • You can use an offset account so that your savings reduce the length and interest payments of your home loan.
  • Make extra home loan repayments and  use the resulting equity to fund anything you please at the same great rate you get on your mortgage with a redraw facility.
  • Use existing equity to fund the purchase of a second home, a car or even a holiday with a line of credit.

What documents will a mortgage broker need to see?

It’s a good idea to prepare as much documentation as you’ll need to apply for a mortgage before you visit a broker. That will allow your broker to figure out how much you’re likely to be able to borrow, plus they’ll be able to target lenders who suit your circumstances:

Documents Description
Proof of identity

Most lenders like to see a couple of forms of photo ID, which can be a passport, drivers licence, or government-issued ID card.

Don’t worry if you don't have two forms. You’ll be able to also supply one of the following:

  • Your birth certificate, a citizenship certificate, a Medicare card, a recent utility bill or tax assessment notice.
Proof of income

Most lenders will ask to see two or three of your latest payslips showing any regular overtime. 

  • If you need a self-employed home loan, the lender will ask for a couple of years' worth of tax returns and your most recent assessment notice. If you own your own business, the lender might also ask to see P&L statements.
  • If you receive any benefits from Centrelink, you’ll need to show that. You can download a statement via
  • If you have any additional forms of income – from a rental property, for example – you'll need to show evidence of that.
Your regular expenses
  • If you’re currently renting, the lender will ask for details of your rent payments.
  • You’ll need to supply council and water rate bills.
  • The lender will ask to see electricity and gas bills.
Your assets and savings

All lenders ask to see bank statements – usually for at least the last 90 days. They use this to check evidence of genuine savings.

  • You’ll be asked to supply details about any assets, including superannuation funds and any shares you own.
  • The lender will might to see insurance policies for your car and home contents. This is to estimate their value.
Current borrowing

You’ll need to show statements for any credit or store cards, personal loans or car loans.

What specialist options in Albury can my mortgage broker access?

There are many different home buyers out there, so mortgage brokers can turn to a broad range of specialist mortgage types when you could benefit from a specific home loan, including:

Helpful guides on home loans

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