Why Use Us?
While most mortgage brokers are disorganised, biased towards one lender and poorly trained, we are setting an example by delivering what we promise: a higher level of service, better advice and better home loans.
- We are loan approval experts!
- Our services are free
- Australia-wide services
- Home loans from more than 40 lenders
- Our outstanding reputation and achievements
- We simplify the process
- Free valuations and credit reports
- We take a holistic approach
- MFAA & COSL membership
We are loan approval experts!
We specialise in helping people with complex financial situations and those who do not meet standard bank policy. Our company mission is to help people who are being let down by the Australian banking system.
We know which lenders can help and which ones can not.
Unlike most mortgage brokers who are just salesmen, we are experts in the lending guidelines used by the major banks and other lenders.
We deal with a wide variety of lenders and know their policies back to front, as well as the hidden catches and potential problems you might face.
We have an extensive in-house credit assessment process which we complete before applying with any bank or lender.
Most of our mortgage brokers have worked in the credit department of a lender approving and declining loan applications, so we can talk their language and build a case to get your loan approved!
Our services are completely free in most cases
Our services are completely free for most home and investment loans. We will only charge a brokerage fee for certain types of short term loans, small loans, some types of commercial or trust finance and if you refinance, or in any way exit, your home loan within the first two years.
We get paid by the lender for doing the work that would otherwise be done by a bank manager, so you pay the same rate as if you went to the lender directly.
However, unlike a bank, we can help you choose from a wide variety of lenders and get the best option for your needs from our panel of over 30 lenders.
Are you out in the bush? Interstate? Overseas? To us, it doesn’t matter! We can deal with anyone who is buying or refinancing a property in Australia.
Our business is streamlined to enable us to efficiently deal with your application by mail, phone, fax or email.
We commonly deal with applicants from all states of Australia, in particular NSW, VIC, QLD and the ACT.
Home loans from over 40 lenders
Did you know that some larger mortgage broking companies are part owned by one of the banks?
We are privately owned and can arrange loans with the four major banks as well as several reputable non-bank lenders.
Why should I use a mortgage broker if I can go with a bank?
Unlike your bank, we have over 40 different lenders to choose from with a range of different policies so you can be confident about getting your home loan approved and not damaging your credit file.
Following up on the progress of your loan can be stressful and time consuming. That’s why we deal with the banks so that you don’t have to. We have efficient systems in place to track your loan and provide you with timely updates.
Our mortgage brokers have a much higher level of training and experience than bank lenders, many of them with years of experience in the mortgage industry.
Our outstanding reputation and achievements
We have built a reputation on being well-organised, well-trained and having expertise that is second-to-none.
Our achievements include:
- Home Loan Experts managing director Otto Dargan is a two-time The Adviser‘s Australia’s Brightest Broker award (2011-12).
- Our company was named a New South Wales finalist for the 2012 Telstra Australian Business Awards.
- Finalist in the ‘Brokerage of the Year – Under 5 Staff’ catgeory of the Australian Mortgage Awards for 2010, 2011 and 2012; and in the ‘(>6 Staff) – Independent’ for 2013 and 2014.
- Named one of The Adviser‘s ‘Top 25 Brokerages’ for both 2013 and 2014.
- Featured Sydney Morning Herald, The Australian, and The Daily Telegraph
- Regularly featured in Mortgage Professional Australia, The Adviser, Australian Broker and other industry publications.
Free valuations and credit reports
We can order free up front valuations with more than six lenders. This means that we know what the bank thinks your property is worth before applying with them.
By ordering a valuation before you apply for as home loan it ensures that your credit file isn’t damaged by having too many enquiries.
We can also provide you with a free copy of your credit file so that you know where you stand with the banks.
We take a holistic approach
The mortgage industry is a minefield of complex policy catches. This is why we make sure that we take your full situation into account and provide a complete solution.
A lender might approve a loan for someone to buy land but then not approve the loan to build a house on it!
Our loan assessment process is thorough. We look at your needs now and in the future and make sure that we are getting you the best loan for your needs.
What if you don’t qualify right now? We will help you get to the stage where loan approval won’t be a problem with our prepare to buy program.
We don’t forget about you once your home loan is advanced either! We offer exceptional ongoing customer care by conducting annual reviews on your home loan and we will be there to assist you for the life of your loan.
Find out what others have said about us on our Love Letters From Our Clients Page.
MFAA & COSL membership
As both a member of the Mortgage & Finance Association of Australia (MFAA) and Credit Ombudsman Service (COSL) we are bound to uphold the highest level of standards when providing finance solutions to customers. Members must meet strict experience, education, ongoing training and insurance requirements in order for them to renew their membership each year.
Fill in our free assessment form or call us on 1300 889 743 to deal with a specialist mortgage broker who can get the job done right the first time.