Resolve Finance

Applying for a home loan can feel overwhelming, but don't worry, we've got your back.

We've seen firsthand the common mistakes people make when applying for a home loan (without a trusted broker on their team), and we're here to help you avoid them.

Here's what NOT to do:
- Stretch your budget too thin: Look, we get it. That dream home is calling your name, but it's important to be realistic about what you can afford. Don't overextend yourself or you'll be left with a hefty mortgage repayment that will sap the joy away from home ownership.

- Skip the shopping around part: It's easy to go with the first lender that offers you a loan, but hang on a sec! Take the time to compare loan products from multiple lenders to make sure you're getting the best deal possible.

- Ignore your credit score: Your credit score matters. It plays a big role in being able to qualify for a loan and will impact the interest rate you're offered. Keep tabs on your credit file and take steps to keep it healthy.

- Forget the deposit: Most lenders require a deposit of at least 5% of the property's purchase price. Not having a deposit can limit your loan options and increase your interest rate.

- Hold back on financial information: We're not here to judge. We just need the complete picture of your financial situation to work out your loan eligibility. Holding back on information could lead to a rejected loan application or unfavourable terms.

We're here to help guide you through the home loan application process. Get in touch to make your homeownership dreams a reality.

Not so keen to pay lenders mortgage insurance? We hear you.

Doctors, lawyers, accountants, even some media and entertainment professionals...your line of work could get you an LMI waiver – yep, no chunky insurance bill upfront 🙌

Why pay more than you have to? Let’s match you with a lender that rewards what you do for work.

💬 DM us to see if your job makes the cut.

Interest rates have changed, property values change and your circumstances may have changed.

If it's been a while since you've reviewed your home loan, it may be worth checking whether it still suits your goals.

Chat to me for a quick home loan review today.

Here are five questions to help you choose the right mortgage broker:

- What are your qualifications?
Make sure you choose a broker who is qualified and has the necessary experience to provide you with the guidance you need.

- Who's your ideal client?
Look for a broker who specialises in – and loves – helping people just like you.

- How do you get paid?
It's important to understand how your broker gets paid.

- Can you provide reviews?
Look at feedback from previous clients to get a sense of the broker's track record.

- Do you understand my goals?
Choose a broker who takes the time to understand your unique situation and works with you to develop a plan that meets your needs and goals.

The official cash rate has been held at 4.35%. If you’re wondering what your next move could be, take a proactive approach and reach out to a mortgage broker today. 

They can assess and compare a range of home loan options, helping you find the home loan that’s right for your situation.

Talk to us today!

The official cash rate has been held at 4.35%. If you’re wondering what your next move could be, take a proactive approach and reach out to a mortgage broker today.

They can assess and compare a range of home loan options, helping you find the home loan that’s right for your situation.

Talk to us today!

'Do one thing every day that scares you' – this could mean looking at your credit card bill, your savings progress, or the interest rate on your home loan.

In the case of finance, ignorance is not bliss. And while it can feel uncomfortable to take a long, hard look at your finances, you'll be glad you took control.

Get in touch if you want help with consolidating your debts, saving for your home, or leveraging the equity in your current home.

EOFY is creeping up fast 👀

If you’ve been thinking about getting your finances sorted before 30 June, now’s probably the time to start the conversation.

There are a few handy tax-time opportunities that may be worth exploring, and our Resolve Finance brokers are here to help you understand your options and what could work best for your situation.

A little planning now could make a big difference later.

Get in touch with a Resolve broker before EOFY rolls around.