Mortgage Brokers Ipswich

The benefits of using a mortgage broker in Ipswich. How they find cheaper interest rates and your ideal home loan.
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, updated on August 8th, 2023       

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Only a short commute west of Brisbane, Ipswich boasts history and beautiful family homes, a university and excellent amenities. If you’re looking for a great mortgage broker, Savvy partners with top-rated local home loan specialists. Find a cheaper, customised mortgage and get expert advice.

Why should I talk to a Savvy mortgage broker?

Our mortgage brokers work on your behalf to source the cheapest home loan that meets your needs and helps you achieve your goals. You get to compare far more low-interest mortgage options with a broker because they can access hundreds of different deals and features, whereas banks only offer a handful of solutions.

Using a broker opens up far more than just lower interest rates and more choice, though. They’re experts at understanding homebuyers, lenders, and the property purchase process, so they work with you to iron out potential problems and speed things up right until you take ownership of your new place.

Can a Savvy broker help me keep mortgage costs down?

Yes – by using their access to a broad range of home loans and features that make the most of your situation. Whether you work in the city or over in Brisbane, you’ve got an easy commute. The motorway between the two cities now has two extra lanes and, if you prefer the train, it’s about an hour away. Our mortgage brokers regularly help both investors and owner-occupiers find their ideal mortgage setup:

I’m a first-time buyer. Is it worth talking to a mortgage broker?

It definitely is. The city is full of beautiful older Queensland houses, but it also has new homes and apartments. Despite its size, the easy commute to Brisbane, and the fact it has all the amenities you could ever want, median house prices in the area are low at around $400,000.

Our mortgage brokers know the local property market inside-out and can help first-time home buyers find low-deposit home loans. If you’re fortunate enough to have family members who can help you get on the property ladder, you can buy a home quicker using specialist options like guarantor mortgages and family pledge loans. 

That’s not to mention just how valuable it can be to have help navigating the application process and presenting paperwork to the right lenders in the correct way. Savvy's mortgage brokers also know how grants work and can guide you to make sure you get all that you're entitled to.

Can a mortgage broker help me build a new home?

Yes. If you’re looking to create a unique home from the ground up, Ipswich is undergoing massive expansion and investment. Depending on how you intend to build, you’ve got a couple of different options, and a mortgage broker can help you source the most cost-effective, flexible solution: 

  • House and land package mortgages are primarily for buying off the plan from a developer. With houses in demand and competition for family homes at an all-time high, more and more Australians choose to buy a brand-new home. House and land package home loans work differently from standard mortgages. The lender releases the money to buy the plot when your loan gets approved; then, further interim amounts get released throughout the build. Once that’s complete, you repay in much the same way as any other home loan. 
  • Vacant land loans are ideal for owner-builders with longer-term plans. They allow you to purchase your dream site and then continue saving for the build – and there isn’t a time limit for construction. Although vacant land loans come with slightly higher interest rates than standard mortgages, they offer the advantage of securing a plot before prices rise even further. These loans are purely for purchasing the land, and you can arrange a further loan for construction when you’re ready to proceed. 

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