Need a good Mortgage Broker to help you get the right home loan.

Who will help you pay off your mortgage in the shortest possible time?

Your Home Loan Consultant

Purchasing Home

Investment Properties

Refinancing

Would you like to know how to pay off your mortgage years earlier and create real wealth?

Purchasing a Home vs Renting

But do you really want to be stuck with a Mortgage for 30 years?

Purchase:

  • Owning a home allows you to build equity over time.
  • Homeownership provides stability and free from the uncertainty of rent increases or lease terminations.
  • Homeowners enjoy tax free capital gains for their primary residence.
  • Owning a home allows for greater freedom to renovate your living space to suit your preferences and lifestyle.

Renting:

  • Renters are subject to periodic rent increases.
  • Rent payments do not contribute to building personal wealth.
  • Renting can lead to instability, as tenants may be forced to move if the landlord decides to sell the property.
  • Finding affordable and suitable properties has become extremely difficult due the high demand and shortage of properties. 

Mortgage Reduction Strategy

Just like rent, interest costs on a home loan is also considered "dead money". Therefore, it's crucial to reduce your mortgage as quickly as possible.

Your Home Loan Consultant offers a specialised debt reduction strategy designed to help clients shorten a 30-year mortgage term, minimising interest payments and saving money in the long run.

Debt Reduction

Instead of committing to decades of debt, would you consider other options that can free you from financial burdens sooner?

Wealth Creation

Imagine channeling your mortgage payments into investments that grow your wealth, giving you financial freedom much earlier.

Life Choices

Without the constraints of a 30-year mortgage, you gain the freedom to make life choices that suit your evolving dreams and aspirations.

Did you know, over 70% of all home loans in Australia are facilitated by Mortgage Brokers.

What our client say about our Mortgage Broker Service

Fantastic Mortgage broker!

James was very helpful throughout the whole buying process, he was available all time of the days and night, and was always happy to answer whatever question we asked. Would 100% Recommend James. We are very happy with the mortgage that we got, he was able to secure some fantastic interest rates, with a mortgage to suit our needs. 

Francesca M 
Verified by RateMyAgent

Knowledgeable, amazing service!

James is friendly, very knowledgeable and always worked in our best interests.
Fantastic communication and explained everything quickly and efficiently.
James is easy to work with and on the ball with everything he does.
No recommendation is too high for James.

Trevor K and Jhenai L
Verified by RateMyAgent

Excellent customer service!

James provided excellent customer service and always responded to our queries in a promptly and timely manner. He was very flexible in meetings and discussing problems which was handy with our circumstances because of his expert service we are very proud owner of our first ? thank you James!!
Kripal S. and Subarna S.
Verified by RateMyAgent

Your Home Loan Consultant, Mortgage Brokers offers services across each of the major capital cities in Australia, including Brisbane, Sydney, Melbourne, Adelaide, Perth.

How Our Brisbane Mortgage Broker Services Can Help You

Our Brisbane Mortgage Brokering service can assist you anywhere in Australia. With the available technology, lenders allow mortgage brokers to conduct virtual meetings via video conference such as Zoom. 

Your Home Loan Consultant in North Lakes Brisbane, provides loans for clients of all shapes and sizes.

Finding the right home loan for your needs can be overwhelming if you try to do it alone.

That is why using a Mortgage Broker can save you the time and hassle finding the right lender with the loan features you need.

After sitting down with you and reviewing your current circumstances so we can find the right home loan for your requirements, you will get a full understanding of why we recommend a particular lender.

With our panel of lenders, your home loan broker we can check interest rates and fees from over 25 different financial institutions to present you with the best possible total cost home loan.

We are confident that we can find you a solution that works for you. Click on the button below to book a free assessment with Your Home Loan Consultant and let us show you what is possible.

FIRST HOME BUYERS

Get Your First Home in 56 Days or Less

Ready to leave renting behind and own your dream home?

Click "Show me More" to download our FREE Home Buyer Guide to make your dream a reality sooner than possible. Your journey to homeownership starts here!

Are you dreaming of owning your first home but worried about saving for a huge deposit? Worry no more!

With the Government Guarantee Scheme, your dream home might be within reach sooner than you think. 

Imagine moving into your own place with as little as a 5% deposit and NO Lenders Mortgage Insurance. Yes, it's possible!

Brisbane Mortgage Broker

Regardless of where you are in the property cycle, you owe it to yourself to get professional home loan advice!

As a specialist home loan broker, Your Home Loan Consultant can offer expert advice regardless of where you are in the property cycle. Whether buying your first home, your next home, an investment property, or looking to refinance your home loan, our contactless appointment setting allows us to assist you anywhere in Australia.

Purchase First Home

First Home Buyers

Buying your first home can be an overwhelming and confusing process. With "Your Home Loan Consultant", you can rely on our expertise and personalised guidance to find the right home loan and first home buyer government benefits for your unique needs, budget, and financial goals.

purchasing your nexT home

Financing your next home can be as challenging as funding your first. With "Your Home Loan Consultant," you can count on our extensive knowledge and experience to help you find the best home loan options, with personalised guidance every step of your journey.

Searching for best home loan

Refinancing and debt CONSOLIDATION

Refinancing your home loan can be an excellent way to save money, simplify your finances, and access your equity for home improvements or investing. With "Your Home Loan Consultant" on your side, you can use our expertise and industry knowledge to find suitable refinancing options that match your unique financial situation and goals.

Investment property portfolio

investing in property

Obtaining finance for an investment property can be complex and challenging, but with "Your Home Loan Consultant", you can benefit from our extensive knowledge and experience. We can help you navigate the unique challenges of investment property financing and guide you towards suitable loan options that fit your financial goals and investment strategy.

Book a phone appointment with Your Home Loan Consultant

Appointment Schedular

Why not simplify your life and scan the QR code to schedule a phone appointment with Your Home Loan Consultant? It's quick, convenient, and hassle-free. Give it a try today!

Streamlined Home Loan Application Process in 3 Easy Steps

Get Expert Home Loan Advise

Your Home Loan Consultant's goal is to simplify the home buying process, provide you with a competitive interest rate home loan and show you the best way to pay off your home loan sooner. Our home loan application process is designed to be simple, safe, and convenient, with just three easy steps:

1

Online Application

Getting started on your journey to securing a home loan has never been easier with our simple online application.

2

Phone or Zoom Appointment

Next, schedule a phone or Zoom call appointment to clarify any additional information and complete the identification process.

3

Lender Options

Once you have selected your preferred lender and your home loan application is ready, we will email the application to you for signing.

Use our helpful calculators to get you started

Specialist residential lending Home Loan Calculators

Home Loan Calculators:

With our wide range of home loan calculators you might find them useful when buying a new home, investment property or switching your home loan to a new lender. For a more accurate assessment, contact Your Home Loan Consultant.

Brisbane Mortgage Broker Reviews

Latest News, Topics and your chance to WIN in our Competition

Competition

You have to be in it to win it! So go on ENTER TODAY! 

Please feel comfortable about entering the competition because we DO NOT and WILL NOT rent or sell any of your details to a third party. EVER!

We work hard to make sure that you understand what is going on in the financial industry. Our communication initiative ensures that you are kept up-to-date. This is much more than just the RBA announcements.

Keep up-to-date  with our our 8-page magazine with current topics on finance and property information posted directly to you. 

Frequently asked questions?

Why use a Mortgage broker?

A mortgage or finance broker acts as your go-between, communicating with banks and lenders on your behalf, in order to secure you the best deal for your circumstances.

Australian banks and lenders have different policies and loan requirements, and it is a brokers job to find a loan from one of these finance institutions that fit with your individual situation.

Mortgage Brokers can help find the right home loan for any situation, from purchasing your first home to buying an investment property all the way to refinancing your home loan to a better interest rate.

Your mortgage broker is responsible for negotiating with credit providers such as banks, to find the best possible loan for your circumstances. They can offer you a range of loan options and help you manage the process of buying your property. 

Your Home Loan Consultant provides a greater service, more than just home loans.

We pride ourselves on looking after our customers by discussing all the necessary products and services that we can offer you, including:

  • Solicitor/Conveyancer, if you haven’t already appointed one
  • Home Insurance cover to protect your property and contents
  • Financial Planners for superannuation & Life Cover
  • Loan Protection Insurance
  • Set up your essential services such as Electricity, Gas, Internet etc.
  • Property Investment Strategist 
How do mortgage brokers get paid?

Mortgage brokers typically receive a commission from the lender for introducing a client and facilitating the loan process. This commission is usually a percentage of the loan amount. Some brokers may also charge a fee for their services to the borrower.

Mortgage brokers are required by law to apply “Best Interest Duty”. This means whatever lender we select or recommend, is in your best interest, not the brokers.

What's the difference between pre-approval and final approval?

A pre-approval or conditional approval is an initial assessment where the lender indicates how much they might be willing to lend based on your financial situation. Formal approval, on the other hand, is granted when all documentation is provided, verified, and the property in question is accepted as security by the lender.

How much deposit do I need to buy my first home?

The required deposit can vary based on the lender and the loan product. Typically, a deposit of 20% of the property's value is standard, but some lenders offer products with a lower deposit requirement, especially for first-time homebuyers.

Some lenders will lend you up to 95% of the property value. However you may need to pay what’s called Lenders Mortgage Insurance (LMI).

Schedule a call and we will help you determine how much deposit you require for your home purchase. Just click "Book Now" to book a suitable time.


What is Lender Mortgage Insurance (LMI)?

LMI is insurance that protects the lender in case the borrower defaults on the loan. It's typically required when the borrower has less than a 20% deposit. The borrower pays the premium, but it's for the lender's benefit.

The smaller the amount of deposit  you have, is deemed to be a higher risk for the lender. Each lender has its own policy about when it will require LMI. Depending on the type of loan you apply for and the lender’s own assessment of the risk.

Without LMI, a lender may be unwilling to provide funds for “higher risk” categories of borrowers (such as low deposit or high loan-to-value ratio loans).

The benefit of paying LMI is so you can buy a property a lot earlier than if you had to wait until you saved enough to pay a deposit of 20% of the purchase price. And by the time you have saved a 20% deposit, the price of the property may have increased.

Can I refinance my mortgage if I have bad credit?

While having bad credit can make refinancing more challenging, it's not impossible. Some lenders specialize in loans for people with imperfect credit histories. A mortgage broker can help identify suitable lenders and guide you through the process.

What are fixed-rate and variable-rate loans?

A fixed-rate loan has an interest rate that remains the same for a specified period, (generally 1 to 5 years), ensuring consistent repayments. A variable-rate loan has an interest rate that can fluctuate based on market conditions, which can result in varying repayment amounts.

How can I determine my borrowing capacity?

Your borrowing capacity is determined by your income, existing debts, credit history, and other financial commitments. Lenders will also consider your living expenses and potential interest rate rises. It's advisable to consult with a mortgage broker to get a precise figure.

You can estimate how much you may be able to borrow using our borrowing capacity calculator. This is just a general guide as your borrowing capacity will vary from lender to lender.

Contact Your Home Loan Consultant on 0401 388 153 and we will review your borrowing capacity on the lenders calculator to get a more accurate figure.

Should I get a Pre-Approval?

It is always advisable to obtain a Pre-Approval before searching for a property. This way you will have a clear budget in mind and you will not be disappointed if you discover you have been looking at properties above your limit.

With a Pre-Approval you can confidently negotiate and sign a contract when you find your “dream home.”

Once you have been Pre-Approved by the financial institution you’ve decided to go with, we will contact you and you can start your search for your new home or investment property.

Is it beneficial to refinance my home loan?

Refinancing can offer benefits like lower interest rates, access to better loan features, or the ability to consolidate debt. However, it's essential to consider the costs of refinancing, such as break fees or LMI. A mortgage broker can help evaluate if refinancing is right for you.

What is equity and how do I access my equity?

Let’s start at the basics. Equity is the difference between the current value of your home and how much you owe on it. So, if your home is worth $500,000 and you still owe $260,000, your total equity is $240,000.

Borrowing against the equity you have in your home can be a smart way to make your money work for you and fund a variety of purchases, including another property. However, there are a variety of factors impacting what your equity can do for you.

Banks will typically allow you to borrow up to 80% of the value of your home.
The difference from the 80% and what you owe is the usable equity (subject to serviceability).
Based on the example above, let’s look at the numbers:
Total value of your property $500,000
Total loan amount at 80% LVR $400,000
Less your current home loan balance $260,000
This means your potential accessible equity would be $140,000.

Even if you have significant equity in your home, it is not guaranteed that you can borrow against it.

Factors such as income, other existing debts, credit card limits, dependents, and loan history will all determine whether you can increase your home loan limit to utilise the equity in your home.

Contact your mortgage broker for advice or give Your Home Loan Consultant a call on 0401 388 153 to understand the variables and how you can maximise your chances of using your equity to your advantage.


Can I use equity from my home to invest in an investment property?

Yes, many homeowners use the equity in their homes as a deposit for an investment property. Equity is the difference between your home's value and the remaining loan amount. Structuring your investment loan incorrectly could be a costly error. It's essential to consult with a mortgage broker to understand the risks and benefits of this strategy.

How do I calculate home loan interest?

We calculate your interest in two steps.

First we multiply the balance on your loan by your interest rate and divide by 365 days in a year. This shows your daily interest charges.

We then add together your daily interest charges for every day in each month, which produces the monthly interest charge shown on your statement.

If your loan balance was $500,000 with an interest rate of 4.93% p.a. and monthly repayments, the calculation might look like this:

  • 500,000 x 0.0493 / 365 = $67.53 interest per day
  • $67.53 x 30 days in September = $2,026 interest for September

 You can use our Mortgage Repayment Calculator to estimate repayments and interest charges over the life of a loan. You can also use the calculator to check the effect that extra repayments could have on your home loan.

GOT A QUESTION

first name
last name
Email
Phone
How can we help you today?
Buy First Home
Buy Next Home
Buy Investment Property
Refinance
>