Mortgage Brokers Gold Coast
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It's important to commit to a home loan until you’ve talked to a top-rated mortgage broker. Find more lenders and products, consider lower interest rates and more options for repayments, apply and qualify faster with a home loan professional. You can find the best mortgage brokers in Queensland with Savvy. We partner with licenced, strictly vetted home loan specialists so you can have a stress-free experience and discover your ideal borrowing solution.
Why use a mortgage broker in the first place?
For starters, home loan brokers are paid by the lenders which allows them to work for borrowers free of charge – so you won’t pay any extra to use one, but the cost savings can be substantial, and here’s why:
In a nutshell, homebuyers can access more competition and lower interest rates when they use a Savvy mortgage broker. They also gain access to a vast range of products from all sorts of mortgage lenders – like banks, independent financiers and even local financial institutions.
Our mortgage brokers search for the cheapest owner-occupier mortgages, then they can turn to a range of features and options to provide the perfect fit for different home buyers:
- Choose from economical fixed or variable-rate repayments to suit your budget, short-term plans, and your longer-term objectives.
- Ask your mortgage broker about using a split-rate repayment option combined with an offset account to provide repayment security but reduce your loan term at the same time.
- Search the best owner-occupier home loans and then choose add-ons like redraw facilities so you can make extra mortgage repayments then use the resulting equity for a rainy day. If that day doesn’t come around, you’ll reduce the cost and length of your mortgage.
- Set up a line of credit to access the equity you’ve already accumulated during property ownership for a range of purposes, including buying a second home, vehicle, or even remodelling your current place.
Can a Savvy mortgage broker help first-time buyers?
Yes. The Gold Coast is a great place to get yourself on the property ladder. Despite the envious location and good employment opportunities, towns like Southport, for example still present a relatively low barrier to ownership with apartments and units fetching an average of $375,000.
Our mortgage brokers can provide a range of specialist solutions for first home owners, as well as assisting with local available concessions for stamp duty. First-time buyers can choose from:
- Low-deposit home loans with flexible, economical repayment options.
- Guarantor home loans, if your family wish to help you with an application.
- Family pledge loans, when you want to get some help with your down payment.
Can a broker help investors save money on a mortgage?
Absolutely. The region proves to be a very fruitful location for second home buyers and investors. Houses are still relatively affordable, with an average price around $600,000.
More than half a million people reside on the Gold Coast, and nearly a third of them rent. That drives a healthy rental market and pleasing returns for investors. Apartments offer a rental yield just under 6% and houses come in around 4.5%.
Local mortgage brokers will be happy to discuss the merits of hundreds of investment home loan options, and can offer cost-effective features like interest-only repayments.
Can a Savvy broker find other specialist mortgages?
Absolutely. Because home loan experts work with dozens of lenders, they can access hundreds of products and options for borrowers of every type, including:
- Specialist low-interest home loans for contractors and FIFO workers
- Mortgages for self-employed business owners
- Non-genuine savings home loan options for borrowers who’ve had an inheritance or similar.
- Professional package home loans, which allow interest rate discounts for specific occupations.
- Home loans for second home buyers and investors
Your home loan options
Why compare home loans with Savvy?
100% free
You don't have to pay a cent to compare home loans with us, enabling you to do so at any time.
Paperless quote process
You can fill out a simple online quote via our form without having to worry about sorting through heaps of paperwork.
Trusted lenders
With a panel of reputable mortgage lenders behind us, you can rest assured you'll be comparing high-quality options.
