Finance for a homebuyer

Your home is likely to be the most exciting and expensive purchase you make in your lifetime, so you want to make sure you find the loan that best suits your financial situation … and lets you sleep at night without tossing and turning worrying about how you’re going to meet the repayments!

Massive application fees, high interest rates, hidden charges and ever-increasing annual fees can all take the gloss off what should be an enjoyable experience.

That’s why you need an expert to guide you through the maze of mortgage products available.

Getting the loan right
What are some of your main considerations when looking for a loan?  

• low repayments

• low interest rates and fees

• no hidden charges, no surprises

• fast response

• compatible with your lifestyle

• fits with your current financial goals

• convenient and user-friendly

• flexible: you can make extra repayments or have a 1-3 months break

At Proper Finance Solutions, we understand that you must have a home loan that meets these requirements, so we do all the legwork for you.  We research the different mortgages available and choose those that suit your financial and lifestyle requirements.


How we help you
You tell us about your property and your needs, and we find a suitable solution for you from the lending products of more than 25 financial institutions.

Think of how long it would take you to sift through the brochures and sales material of just three or four different banks and lending institutions; now imagine doing that five or six times over! Our job is to remove all your financial worries. This way, you can focus on more important things.

One aspect of searching for a loan that concerns many people is the jargon financial institutions use. What’s the difference between principle and interest mortgages … offset accounts  … interest only mortgages … redraw facilities ... lines of credit ... interest capitalisation? 

Let us wade through the financial jargon and give you all the necessary information in plain English, so you can make an educated decision.

Step 1: Consultation When you make initial contact, we help you to clarify your needs and financial position. Once we’ve done this, we can instantly give you an idea about the various offers available and the economic benefits of each. You’ll also know right from the beginning the actual costs involved (such as stamp duties, legal charges and bank fees) so there won’t be any nasty surprises once you’ve committed yourself to the loan. At this stage, we make sure you have a clear picture of the choices available and can make an informed choice.

Step 2: Search for a suitable loan When we know what you need, we perform a search through the products of more than 25 financial institutions. We then draw up a short list of two or three deals that meet your requirements.

Step 3: Quotation Within 24 hours, we’ll contact you to talk through the options available and discuss the steps involved in getting approval from the selected financier. 

Step 4: Application Next, it’s time to collect all the documents you’ll need and to actually lodge the application, but don’t worry, because we explain exactly what you need to submit.

And if necessary, we negotiate with the lender on your behalf.

You’ll know what’s happening with your application at every stage of the process from the application through to the settlement stage, but you never have to concern yourself with the details – that’s our job. We handle all the paperwork, calculations and communications with the lender right through until the loan has settled.

Step 5: After-settlement support Even after your loan settles, you can still contact us at any time with questions or concerns, and we’re happy to help you. We look after you and your loan to make sure the lender gives you fair treatment. 


How much can I borrow?

This is obviously your most important consideration when searching for a mortgage and it’s the first thing we help you with when you contact us.

Different lenders have different methods of calculating your borrowing capacity, and this usually depends on your financial position. To get started, please contact us , and we’ll find a lender that can provide you with the maximum loan in your circumstances.


Cost of our services

The best thing about using Proper Finance Solutions as your mortgage broker is that there is usually no additional cost to you. Instead, your chosen lender pays us a commission that we disclose to you at the application stage.

NOTE: This does NOT increase the interest rate or fees charged by the lender. The costs are the same as if you went directly to the lender's branch. 


Where to start

If you’ve found your dream home or you’re still at the “just looking” stage, feel free to contact us. There’s no obligation involved - just phone, email or fill in the form below right now:  

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