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Mortgage Brokers Brisbane

Talking to a mortgage broker in Brisbane can lead to some surprising and significant home loan savings.
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, updated on August 7th, 2023       

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Looking for an approved mortgage broker? Savvy partners with the top-rated home loan specialists in Australia to find home buyers better home loan deals. This is how mortgage brokers work and why they’re well placed to help you save money.

I’m buying a home in Brisbane. How can a mortgage broker help?

There are many ways a mortgage broker helps a home buyer and talking with one is easier than ever. Today’s brokers engage with you on your terms, via email, phone or face-to-face. They’ll find out about your aims and finances; then, they’ll swing into action based on that. The result is you usually save time trawling through offers and lenders that don’t fit your goals or means.

  • Mortgage brokers start by discussing your situation and requirements. They’ll quickly identify suitable lenders and products by comparing low-interest owner-occupier home loans that match your needs.
  • Brokers present options for repayments, then explain the benefits and implications of each. Homebuyers can choose between a fixed-rate option, elect to use a split-rate, or opt for variable-rate home loan repayments. Investors can even access interest-only repayments
  • Mortgage brokers assist with everything you’ll need to qualify for your home loan, from collecting documents to filling out forms.
  • When it’s time to submit your application, your broker will make sure everything is present and in order, and they’ll continue to chase up progress with the lender once your application gets lodged.
  • Right up until settlement, a broker will keep on working on your behalf to ensure everything goes smoothly, and if issues arise, they’ll help find a solution.

Is it better to use my bank or a mortgage broker?

Can a Savvy broker help me reduce the cost of my mortgage interest?

Talking to a mortgage broker about specialist options and products designed to reduce home loan interest can produce some significant savings and possibilities, including:

  • Using your regular income and savings to reduce home loan interest with an offset account. The account is connected to your home loan and your deposits are deducted from the portion of your loan principal subject to interest.
  • What you do for a living is part of how a mortgage lender assesses your application and it’s also partly how they work out your personal interest rate. That means you could be eligible to access interest rate deductions based on your profession or job using a specialist home loan product. 

I already have a mortgage in Brisbane. Can a broker help with home loan refinance?

Our brokers don’t just help with new mortgages. Whether you want to refinance an investment home loan or you’re thinking about switching a mortgage on a family home, it’s just as worthwhile talking to a Savvy broker. You’ll be working with a more extensive selection of lenders and products, more interest rate options, and get the same help as you would when taking out your first mortgage. 

Your home loan options

First home loans

Making your first big step towards buying a home? It's crucial to be across your mortgage options as a first homebuyer.

Variable rate loans

Opting for a variable interest rate on your home loan means it'll fluctuate as the market moves throughout your repayment term.

Fixed rate loans

On the other hand, fixing your rate locks it in for a pre-defined period. This can bring with it greater certainty around your budget.

Home loan refinance

It's important not to set and forget when it comes to your home loan. If you find a more competitive offer, it may be worth refinancing.

Construction loans

If you're looking to build a new house, construction loans are specifically designed to cater to the different needs associated with doing so.

Guarantor loans

A guarantor essentially acts as a safety net for your lender, as they sign onto your loan to agree to pay it off should you become unable to do so.

Investment loans

Purchasing a property as an investment brings with it different specifications from a lender. It's crucial to know what your options are.

Commercial property loans

Businesses big or small may wish to purchase a property for commercial purposes, which are also different from a standard loan.

Interest-only loans

Your home loan may give you an interest-only option, which allows you to exclusively pay interest on your loan for a set period.

Self-employed loans

Just because your finances may be slightly more complicated as a self-employed individual doesn't mean you can't take out a home loan.

Low doc loans

Some lenders may allow you to apply for a home loan with alternative documents, such as tax returns, BAS and ABN registration.

No deposit loans

There are several options for purchasing a property without a cash deposit, such as equity in another property if you or your guarantor own one.

Why compare home loans with Savvy?

Online fast approvals

100% free

You don't have to pay a cent to compare home loans with us, enabling you to do so at any time.

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Paperless quote process

You can fill out a simple online quote via our form without having to worry about sorting through heaps of paperwork.

A Range of Options

Trusted lenders

With a panel of reputable mortgage lenders behind us, you can rest assured you'll be comparing high-quality options.

Check out our home loan calculators

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Offset account
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Extra repayments
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Stamp duty
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