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Mortgage Brokers Werribee
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Looking for a fully qualified, experienced mortgage broker in Werribee? Savvy partners with MFAA and FBAA-approved home loan specialists all over Australia so homebuyers can access expert advice and a cheaper, better mortgage. With the town situated just 32km south-west of the Melbourne CBD, many people are looking to take advantage of its cheaper housing prices. There's no better way to find the ideal lender than with one of Savvy's mortgage brokers, who help you experience rate and fee discounts and choose from a wide range of Australian lenders. Take your first steps into home ownership with Savvy.
Is it worth using a Savvy mortgage broker?
Yes – more and more homebuyers are turning to mortgage brokers because it’s a great way to simplify the process of borrowing for a new home. Australia’s lender marketplace is complex, with lots of different lenders, so having one of our brokers guide you through the mortgage process will leave you in good stead when it comes to choosing your home loan.
Our mortgage brokers deal with a diverse panel of lenders, not just the major players, so we open up more choices for you. That equates to comparing hundreds of different home loan offers, products, interest rates and features – which means lower mortgage costs and a better home loan fit for Werribee home-hunters.
Add to that the fact that our brokers provide a comprehensive service for homebuyers, helping prepare, submit, and follow up applications, and it’s easy to see why so many people choose to speak with a Savvy home loan specialist before they buy a new property.
What types of homebuyer can our mortgage brokers help?
Werribee attracts all sorts of homebuyers, so Savvy's mortgage brokers offer a wider choice of different home loan products and features, which can help anyone. Home loan products our mortgage brokers can help you with include:
- Property investors: Our mortgage brokers can help you compare hundreds of specialist investment home loans, plus useful features like lines of credit – which investors can use to free up equity in existing property when they want to buy another.
- Owner-occupiers in Werribee: We can access some of the best home loan interest rates in the country for you and provide advice about add-ons like offset accounts and redraw facilities. Our brokers can also help with home loan refinance from dozens of lenders if you're looking to change up your current mortgage.
- First-time buyers: Werribee is a very accessible market for first home buyers, so Savvy's mortgage brokers will target lenders who suit your circumstances and budget and give you the lowdown on local grants, as well as offering valuable time-saving advice about state concessions on stamp duty for first home buyers. You’ll find a range of low-deposit home loans, access to specialist guarantor loans and, if you’re using a cash gift as a down payment, brokers can find non-genuine savings mortgage options for you.
Can I borrow to build a new home in Werribee and can a Savvy mortgage broker help?
Yes and yes – mortgage brokers in Werribee help hundreds of homebuyers purchase off the plan, with multiple housing estates being developed in the area.
If you’re looking to buy land and build a home a little later, talk to one of our mortgage brokers about a vacant land loan. With this option, you can buy a block with no time limit for construction to start. This is perfect if you want to buy before prices rise but aren't yet ready to build.
If you’re ready to go and want to use one of the many active property developers in the area, a Savvy mortgage broker can help you source a cost-effective house and land package loan. With this option, the lender releases the funds to buy your block and further additional instalments throughout the build.
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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You can fill out a simple online quote via our form without having to worry about sorting through heaps of paperwork.
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With a panel of reputable mortgage lenders behind us, you can rest assured you'll be comparing high-quality options.