Existing Home owners and investors.
Have you got the right home loan to suit your needs?
Have you got a competitive interest rate?
Is your loan set up to maximise your investment strategies and goals?
Are you looking for a better deal?
Not sure?
Why not get some 1st class assistance now? Obligation free!
We’ll compare your existing home loan arrangement(s) with hundreds of products available from our panel lenders. If we can not improve your situation we’ll let you know, but if we can, we’ll show you how.
First Home Buyers.
Finding your first home and home loan can be a daunting experience, but not with Guardian Mortgages & Finance. We'll guide you thru the whole process, from pre-approval right thru to settlement and long after.
First, we would recommend that you make an appointment with one of our accredited mortgage brokers to discuss all the options available to you. We'll listen to your needs and then make recommendations as to which products would suit you. We will also assess your affordability and let you know how much you can borrow based on your circumstances.
Once an appropriate home loan product has been selected, we will fill in all the paperwork for you and guide you on the required documentation needed by the lenders in order issue you with a pre-approval. We will submit this paperwork to the lender and obtain your home loan pre-approval. You can then go out and find your new home.
We will also assist in the lodgment of the First Home Owners Grant with the lender you choose. Feel free to visit our links page which will take you to the appropriate state revenue offices where you will find all the facts available in regards to the First Home Owners Grant schemes. If you don’t have time, don’t worry, we’ll bring all the details and forms along to your appointment and show you what you need to do.
Make an appointment today, simply phone us on 1300 01 5626 or email us via our contact page.
FAQ's
What is a mortgage/finance broker?
A broker acts as an intermediary to assist individuals and businesses through the process of obtaining a mortgage or other finance from financial institutions, such as a bank.
You should only use brokers that are accredited members of industry associations, such as the Mortgage & Finance Association of Australia.
Is Guardian Mortgages & Finance an accredited broker?
Yes, Theresa Lonergan the principle of Guardian Mortgages & Finance is an accredited member of the Mortgage & Finance Association of Australia.
What does a mortgage/finance broker do?
Brokers generally perform the following tasks:
- Assessment of the clients circumstances. This may include the assessment of credit history and affordability.
- Assess the market to find a mortgage product that fits the clients needs.
- Apply to the lender for pre-approval.
- Advise and assist the client in gathering the required documents, such as payslips and bank statements.
- Complete lender application forms.
- Explain the legal disclosures.
- Submit all of the required documentation to the lender.
I work full time and can't get time off to see a broker.
Does Guardian Mortgages & Finance make appointments outside normal office hours?
Yes, at Guardian Mortgages & Finance we offer a complete mobile lending service.
This means we can come to you, at a time that best suits you.
What do you mean by Panel of Lenders?
This refers to the lenders we have available to select products from.
At Guardian Mortgages & Finance we have over 30 lenders on our panel. You can view them here.
What is a portable mortgage?
A portable loan allows you to sell your house and move to a new one without having to refinance.
What does equity mean?
Equity is the value of the asset less any amount owing against it.
An example would be, if your house is valued at $100,000 and you have a mortgage of $40,000; then you have $60,000 equity.
I am borrowing 95 percent of the value of my home and there is a large fee for mortgage insurance.
Does this mean my repayments are covered if I experience financial difficulty?
No. Mortgage insurance is a once off premium that your lender requires if you borrow more than 80 percent of the value of the asset. This premium is used by your lender to take out insurance against any losses they may suffer if you forfeit on your loan.
If you have any further questions, please call us on 1300 01 5626, or use our Contact page.
