What we do
  • What we do and how it all works ...
About us
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What we do

 

Home Loan Advice Centre helps make owning your own home or investment property simple, easy, and only a phone call away. We pride ourselves on our approachability and service and aim to make your property purchase the best experience possible. Our brokers are amongst the most highly trained in the market, each with "Certificate 4 in mortgage lending" qualifications. Best of all our service is free* and we do everything we can to help you take a load of your loan.

All it takes is a phone call and about 5 minutes of your time to give us the information we need. Alternatively you can fill out our loan enquiry form. We can then show you all your loan options, and your property purchase capacity.

Home Loan Advice Centre runs your details over all the major lenders in Australia and works out who'll give you the best rates and the best deals. You then choose who you want to go with. Compare this to going to each and every bank yourself .... they can only advise you on their own loans and whether you meet their own criteria....


But our service doesn't just stop there..... we also guide you through the entire home buying journey ..... from advice on your property search, negotiations with real estate agents, and all the way till your settlement. Best of all our service is free* to you because the lenders pay our commissions

Don't just take our word for it though .... take a few moments to see our testimonials to see what our past clients think of us. You don't get such glowing reports by providing ordinary service .... We get them because we go to the extreme to help our customers as much as possible. So take a load off your loan and speak to us today.

 

 

How does it all work?

Here's a brief overview how the loan process works …

Enquiry

Fill out the loan enquiry form on our website or call us on (02) 9210-1000. The online loan enquiry form only takes about 5 minutes. We then run your information over our Mortgage Software program which allows us to determine

  • Your lending capacity - over more than 25 lenders on our panel.
  • Your property purchase capacity
  • Your lender options - which lenders we recommend and why
  • Interest Rates - what interest rates each of those lenders can give you.

We then email to you a complete Home Loan Advice Centre Loan Report which shows you your loan scenario(s) that includes (click here to see a sample loan report)

  • Your purchase capacity - ie what cost property you can purchase
  • Costs & fees - estimation of fees you could expect ie duties, application fee.
  • Loan amount - your expected loan amount
  • Deposit - the amount of deposit you would require
  • Loan repayments - your estimated loan repayments per week, fortnight, month.

We give you the whole picture so you can chose the right loan!

Loan Application

Once you're happy with the options and have chosen a lender, we gather all the required documentation and submit the loan asking for pre-approval to an specified limit. The lenders generally don’t charge for an approval in principle so there is no risk to you (and no cost) to get to this stage. We definitely recommend it however, because then you can search for your property with more confidence of your lending capacity and you maximum price limit.

House Hunting

With pre-approval and knowing your price limit, you are able to begin your search for a property. There are numerous things to be aware of and items to consider but Home Loan Advice Centre can give you tips on successful home searching technique and tips on how to succeed at auction or private treaty sale. Once a property is found – a whole process then commences that starts with finalising the approval with the lender and ends with “signing on the dotted line for the property purchase” (exchange of contracts). Again Home Loan Advice Centre is there to advise, help, and assist through this whole process.

Settlement!

The day everyone looks forward to when your property purchase settles. You receive your keys and can move in!

It's that simple!

 

5 part Property Buyer e-Course

If you're the type of person who wants to know absolutely everything in detail, Home Loan Advice Centre has a free 5 part e-Course for Home Buyers. To subscribe, simply fill in our online enquiry form and indicate you are a first home buyer in the checkbox in the second part of the form. We'll start emailing you the eCourse from the following monday. Happy reading!

The e-Course is an in depth yet easy to follow guide covering ...

  1. Working Out Your Loan And Property Options
  2. Arranging An Approval ...And What An Approval Means
  3. Ins And Outs Of Finding A Property And Negotiating A Price
  4. The Process Of Exchanging Contracts - What To Do And What Not To Do
  5. The Settlement Period And The Actual Settlement

 

Note - All Home Loan Advice Centre mortgage advisers have either completed or are in the process of completing the industry standard Certificate 4 course in Mortgage Lending.

* please see Terms and Conditions page