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Our Brokers Are On Live Chat!

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Are you looking to buy a house but not sure where to start when applying for a home loan?

Our team of specialist mortgage brokers are on Live Chat from 9:00am till 5:00pm, Monday to Friday ready to answer your questions and start you on the path to getting a home loan.

How do I ask a question?

You can find the ‘Chat with us’ icon on the bottom right-corner of this page when we are online. Simply click it and start speaking with one of our friendly team.

We are a talkative bunch but more importantly, we’re approval experts who are happiest when we’re helping people achieve their home-owning dreams.

What home loans types can we assist you with?

We know the bank’s policies and have agreements with some of them if your situation falls outside of traditional eligibility requirements. We can assist:

What if we’re not online?

Occasionally we need to sleep, eat or watch a cat video on YouTube. If we’re busy then you won’t see the Live Chat option on the right hand side of our website.
You can still ask a question on our forum, give us a call on 1300 889 743 or send us an online enquiry.

  • Akhilesh Singh

    how much in percentage you will lend for a unit in Southport QLD?

  • Hi Akhilesh,

    It depends on the unit type but up to 95% with a normal loan and up to 105% with a guarantor loan. Please note that Southport is a high density location. If your unit is in a high rise building then some (but not all) lenders will reduce your loan to 80% of the property value. https://www.homeloanexperts.com.au/mortgage-calculators/postcode-calculator/

  • Courtney Lynn Cockrell

    Hello we are first time home buyers but we need to get a personal loan and a moratage loan but was wondering if we get a personal loan will it hurt us getting a moratage loan and what if I get the personal loan in my name with him cosinging would that be better then him taking a personal loan in his name while applying for a moratage loan

  • Hi Courtney
    We’d have to look at your full situation to be sure. But in most cases it is best to get the mortgage first unless the personal loan is part of your deposit. If it’s part of your deposit then there are only a couple of lenders who will accept this https://www.homeloanexperts.com.au/genuine-savings/personal-loan-deposit/

  • Courtney Lynn Cockrell

    well its really for taxes and paying off credit card but i have bad credit think its like 512 but his is 742 so the mortage will b in his name but if i get a personal loan in my name with him cosinging would that hurt him in getting the moratage loan…And his debt to income ratio is low…We have a couple thousand right now but was wanting that for closing cost or some down payment

  • It may be best to get your current debts under control before buying. Again we’d have to see your full situation to be sure.

    Best of luck!

  • Gareth

    Hi i exchanged contracts on a new build the other week just waiting to complete .. in the meantime my card has gone caput and needs £1000 spending on it could I put this on my credit card or would it affect the mortgage

  • Hi Gareth,
    In Australia this would have a negligible effect. In the UK I couldn’t be sure but as long as your card doesn’t go over the limit and is paid on time then this should be ok.

  • Gareth

    Thank you for the reply I think I’m going to wait until completion until I use the card thank you

  • Caitlin fletch

    Hi, my partner and I have been stuck in a renting rut for a while now and are struggling to save up for a deposit for home loan and I was wondering if there is a way we can get around it. My dad said he would be gaurentor for us but will that cover 100% of the loan and not require a deposit? Can we use our rental history as proof of “saving” per say? The property we are looking at is $149,000 if that makes any difference.

  • Yes you can borrow 100% if your dad guarantees your loan using his property https://www.homeloanexperts.com.au/guarantor-home-loans

    Whereas without a guarantee you’ll find a rental history can help in that the bank will allow your deposit to come from any source as opposed to it being saved by you. So a gift from your dad would be an acceptable source of a deposit. It doesn’t mean that you don’t need a deposit. Without a guarantor you still need a deposit https://www.homeloanexperts.com.au/genuine-savings/rent-genuine-savings/

  • FYI We cannot assist with loans under $300,000 at this time as we’re short staffed. However other mortgage brokers may be able to.

  • Nikita Horne ˚͜˚

    hi me and my partner are looking to buy a house with uk help to buy scheme and can only get a mortgage for £230000, the house we want to buy is £257500 do we have any options to get a larger mortgage?

  • Hi Nikita,
    We can only finance properties in Australia sorry.