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Your local Sydney Mortgage Broker
Home and investment property loans made simple by the Mortgage Experts
Your local Northern Beaches,
Sydney mortgage broker.
There has never been a better time to enlist the help of a local expert to determine what is and isn't possible for you.
Offering much more than just competitive interest rates, we are here to help you find the right home loan that best suits your lending needs.
Why use a mortgage broker?
At every stage of your home buying journey, have a mortgage expert help you make the right choice.
We help with loans for purchasing properties and refinancing existing loans. We specialise in investment loan structuring and complex lending advice as well as first home buyer assistance.
Local to the Northern Beaches of Sydney but capable of assisting you Australia wide.
Property Investors
Do you need more than just a loan?
A large percentage of our clients are investors. One of our main strengths and points of difference from other mortgage brokers and branch lenders is our practical loan structuring advice. We help our investor clients achieve their investing goals while also providing advice on loan set ups that provide maximum future flexibility and control.
In short we ask what you want to achieve, then we map out how to get there. Common investor problems that we can help you with are fixing incorrectly / inefficiently structured loans, accessing equity when your lender says no more, overcoming servicing constraints when your lender says no more and assistance with complex structures such as company and trust lending.
We help fix incorrect / inefficient structured loans, provide access to equity when your lender says no more and assist with complex structures such as company and trust lending.
90% home loans & 95% home loans
We specialise in high loan to value ratio (LVR) loans including 90% home loans, 90% investment loans, 90% refinance and cash out loans, 95% home loans and 95 per cent investment loans.
Lenders have very different risk appetites for high LVR loans and these appetites do change from time to time. As we specialise in this area we have a very good understanding on not only what the current bank and mortgage insurers polices are but also how these policies are actually interpreted. This is vital to avoid the disappointment of having a loan declined.
We also specialise in structuring loans for investors seeking high LVR loans to minimise their overall mortgage insurance costs and to avoid cross collateralisation.
Finance for an unusual property types
Lenders have very different policies when it comes to what is considered an acceptable security property for a residential loan. Some may finance a certain type of property but will restrict the loan to value ratio (LVR) available while others may say no altogether.
We are experts on what lenders will and won’t do. This is truly one area of finance where all lenders are not the same. A perfectly good property in one lenders eye is deemed unacceptable to another. Anything slightly unusual about a property can make it a no go zone for some lenders who since the GFC have become more and more conservative / picky in this regard.
Don’t just take your banks word for it! Often there are solutions with other lenders that won’t cost you anymore, in fact can be cheaper. Often these types of properties will be far better investments in terms of rental yield than a stock standard residential house in the suburbia.
Unusual income or employment
Do you have an income or employment situation that is a bit different or complex?
Many lenders have very stringent and divergent requirements about the types of employment and income they will accept. Often what is OK with one lender is not OK with another. We have had great success over the years helping credit worthy borrowers get their loans approved who may have had a slightly out of the ordinary income or employment situation that just didn’t quite fit with their existing lender or main financial institution.
Some of the main things we can help with are listed below but there are many more areas where we can help such as assisting those who may have multiple jobs, are on probation, receive large bonus payments as part of their salary, new arrivals to Australia seeking a 90% LVR loan and much more.
Mortgage Experts are investment loan specialists, advising on security structures, lender concentration risks and ways to avoid future road blocks in servicing and valuations. When it comes to investment loans it is important to get advice from someone who isn't selling anything besides the loans it self. With so many investment loan strategy sharks in the investment property game it’s important to consult an expert who doesn't have any hidden agenda.
We take into account your future goals and then map out a credit plan for your property investing future.
We don’t charge fees for most home or investment loans. We are independently owned with over 20+ lenders
100% Obligation-Free Advise
We’re here to help you.
Time is precious so don't waste yours by trying to navigate the mortgage market by yourself. We really do care about our clients. We are here to help guide you through the loan and buying processes.
It’s all we do.
Recent Blog Posts
Get the latest news directly from your home loan specialist.
Is it a good time to buy Sydney?
For many first home buyers the answer appears to be a resounding yes. BIS Oxford Economics for the Australian Housing Outlook 2018–2021 report states that lending to FHB’s picked up by a whopping 74 per cent in the 12 months to June 2018 in Sydney and a more modest but still impressive 24% nationwide. Read the full report here.
Loan Portability/ Substitution of Security
There are occasions when those with an existing mortgage looking to buy and sell at the same time should consider a “substitution of security” (sometimes called loan portability). Rather than closing the old loan and taking out a new loan sometimes getting from property A to B is as simple as changing the security of the loan from one property to another. The loan remains open at all times.
Loan Portability
Commencing July 6th a new housing code will commence in NSW that aims to increase the amount of medium-density housing in Sydney from its current 10 percent share of new approvals. This will be alongside a new Low Rise Medium Density Design Guide, which was developed by the department of planning and environment in consultation with the NSW government architects in 2017.
