Australia Home Loans

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Gold Coast Mortgages

IF you are buying property on the Gold Coast, thinking about buying property, or refinancing an existing home loan, talk to your Local Gold Coast Mortgage Broker to find out more. 

We can assist you with all your home loan queries, help you find a great mortgage rate, and a loan that offers the level of service you need. 

Your home loan is likely to be the biggest expense in your life, so it makes sense to get it right.  Whether you are looking for a fixed rate, a flexible variable rate, wanting to unlock the equity in your home or to buy a second property, we can help you.

Which Type of Home Loan?
There are many different home loan products around on the market.  The one you choose should fit with your lifestyle, goals and financial situation.  So of you want the flexibility to put extra money towards the mortgage, then you may look for a standard variable rate mortgage with features such as early repayments.  If you want a low rate mortgage, then you may take a look at basic variable, fixed rate, or introductory home loans.  And if you are self employed with little documentation to prove your income, you can consider no-doc or low-doc home loans.  Talk to your mortgage broker about your options.  They deal with mortgages all day, talk to lenders regularly and help thousands of people every year secure great home loans.

How to secure finance
When applying for a Gold Coast home loan, lenders will look at your credit score.  This is made up of your income, expenses, credit history, defaults and savings history.  Most lenders use a credit scoring system.  It is important to get all of your finances in order before approaching any lenders.  Gather your financial documents, pay down existing debt, and if you can, show proof of a savings history.  A good mortgage broker will be able to help you with your application.

How Much To Borrow?
Traditionally, home buyers need to have between 5-20% of the purchase price saved for a deposit.  In recent years, no deposit home loans had crept into the market, allowing consumers to borrow 100% of the purchase price, or in some case, 110% with the extra covering all the purchase costs).  Now, due to the financial crisis, many lenders have pulled these products and are no longer offering any type of  no deposit home loan.  Most lenders now require you to have at least a 5% deposit saved, and many more will only lend up to 90% of the purchase price.


Get all the latest home loan news and information from the experts.  If you are ready to look for a great home loan, call us today on or submit your details on line.