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Mortgage Brokers Epping
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Finding a local home loan specialist can be time-consuming and difficult. That's why Savvy partners with trusted, fully approved and vetted home loan professionals all over Australia; to help buyers experience a truly tailored home loan service without a lengthy wait or search.
Epping is ideally located for the working family or young professional. It boasts a modern train station that’s just a 25-minute ride to the CBD and is a self-contained area with supermarkets, a range of local shops and schools. There’s a selection of different housing options available also, from apartments and units to both older and modern houses. Despite its location and transport links, median house prices in the area are still well under $1 million for a two-bedroom house.
What home loans can a mortgage broker access?
Our mortgage brokers maintain long-term relationships with dozens of finance providers ranging from the big national banks to local institutions and even independent lenders. That means they’re well placed to offer every type of home buyer access to a range of low-interest mortgage solutions that match their goals, schedule and situation.
- Family home buyers: can access a range of helpful features and home loan solutions by talking with a mortgage broker, tailored to suit their own unique priorities. If you want the security of unchanging regular repayments, talk with your broker about using a fixed home loan interest rate. Buyers who’d prefer variable-rate repayments can sound out an expert broker and then weigh up the pros and cons. For some, split-rate repayments might be the ideal solution. Whatever your needs and preferences, a Savvy broker can access the features and products you need.
- First-time buyers: can benefit hugely from sitting down with a mortgage broker. Not only will they help you compare specialist home loan products like guarantor mortgages and family pledge loans, but they’re a mine of information and advice about the mortgage application process. They’ll also help you negotiate local rules for stamp duty, transfer fees, and deal with vendors until your home loan is approved and settled.
- Investors: can take advantage of a thriving Epping rental market near the city, which also boasts a relatively high number of students. A mortgage broker can present a full range of investor-friendly mortgage features and options like interest-only home loans and commercial property mortgages.
Is Savvy a mortgage broker?
Savvy helps thousands of Australian borrowers save money on many different types of finance each year, and our users can compare dozens of home loans and lenders online. If you’d rather sit down and talk with a local licenced mortgage broker in Epping, we can help with that too.
We’re teaming up with the best and brightest MFAA and FBAA approved mortgage specialists around the country so that more Australian home buyers can get the help and advice they need when purchasing a home or investment property. Just fill out our straightforward form, and we’ll connect you with home loan brokers in your area fast.
What’s better – the bank or a mortgage broker?
It can seem convenient just to call up the bank about a mortgage, but that’s rarely going to be the best way to find lower interest rates or more home loan features. Banks tend to offer only a few different mortgage products – and you’ll be stuck with the interest rate they offer too.
Some banks are quite helpful when it comes to advice and home loan applications. Yet, the fact is, they’ll only offer that on their own products or a minimal choice of partner options. A Savvy mortgage broker can provide advice, knowledge, and assistance on a very local level right up until your mortgage gets settled and access many different types of home loans and interest rates nationwide.
Your home loan options
Making your first big step towards buying a home? It's crucial to be across your mortgage options as a first homebuyer.
Opting for a variable interest rate on your home loan means it'll fluctuate as the market moves throughout your repayment term.
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.
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.
If you're looking to build a new house, construction loans are specifically designed to cater to the different needs associated with doing so.
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.
Purchasing a property as an investment brings with it different specifications from a lender. It's crucial to know what your options are.
Businesses big or small may wish to purchase a property for commercial purposes, which are also different from a standard loan.
Your home loan may give you an interest-only option, which allows you to exclusively pay interest on your loan for a set period.
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.
Some lenders may allow you to apply for a home loan with alternative documents, such as tax returns, BAS and ABN registration.
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.
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