Mortgage World Australia - Mortgage broker

Mortgage World Australia - Mortgage broker

Comments

We have been using Patrick’s service for more than 7 years and he has always been very helpful and very professional. Patrick understood our needs and always came up with right solution & answers to all our question. Patrick & Krystal always updated us throughout the loan process. We highly recommend Patrick for all Mortgage needs.

Sanjai & Bindu
Patrick is the best person I have ever dealt with when it comes to gaining a loan approval. Patrick is very thorough when when picking a lender that will be the best for your suitable needs. The extent that Patrick will goto, to help you achieve the goals you want is extremely above and beyond that any other broker can offer. I have engaged Patrick on two occasions and will continue to use his services on any other future investments.
My recommendation is that if you need a loan, see Patrick from Morgage World Australia 🇦🇺
Unfortunately there has been a bit of upwards movement in variable interest rates over the past few days. I have received correspondence from both ING and Bank of Queensland who both announced increases in their standard variable rate for both owner occupied and investment lending.

I have already had an enquiry about refinancing away from one of these lenders due to the rate rise. Is it wise to move lenders due to a 0.10% p.a. rate rise?

If history is anything to go by, when one lender increases rates out of cycle with the Reserve Bank, a succession of lenders follows suit. If you are with a lender who has just increased their variable rate I would suggest to sit tight for a few weeks before jumping ship to another lender. You don't want to complete a refinance to another lender only to find that they also increase their rate.

It may also be worth considering fixing the interest rate on your home loan or part of your home loan. Fixed rates don't suit every situation so please feel free to discuss this with me first.

Australian mortgage broker that has access to more than 30 lenders. We can help you find the ideal home loan for your situation and our service is Free.

Mortgage World Australia is a mortgage broking firm in Toongabbie, NSW. We offer home loans, first home buyer’s mortgages, commercial, construction & business loans, investment loans, asset finance, refinancing, reverse mortgages, remortgaging, equipment finance, mortgages, home equity release, car loans, personal loans, bridging loans, debt consolidation, land & development loans. We service Blacktown, Lalor Park, Seven Hills, Prospect, Girraween, Pendle Hill, Wentworthville, South Wentworthville, Westmead, Parramatta, North Parramatta, Constitution Hill, Northmead, Winston Hills, Baulkham Hills, Kings Langley, Pemulwuy, Greystanes, Kings Park, Glenwood, & all over Sydney. For the best mortgage brokers in Toongabbie, look no further.

Operating as usual

Timeline Photos 09/06/2021

New 5.0-star Review: "Patrick provided us with exceptional service. He was available to answer all our questions and guided us with sound advice. His service is efficient and he is really knowledgeable about all the lenders. He helped us choose the correct lender, and got our application approved in a short amount of time. He took the stress out of the process and made us feel confident with every step of the journey."

New 5.0-star Review: "Patrick provided us with exceptional service. He was available to answer all our questions and guided us with sound advice. His service is efficient and he is really knowledgeable about all the lenders. He helped us choose the correct lender, and got our application approved in a short amount of time. He took the stress out of the process and made us feel confident with every step of the journey."

Bad Credit History - Can I Still Get a Home Loan? - Mortgage World Australia 24/05/2021

Bad Credit History - Can I Still Get a Home Loan? - Mortgage World Australia

Bad Credit History – Can I Still Get a Home Loan?

https://www.mortgageworldaustralia.com.au/blog/bad-credit-history-get-home-loan/

Bad Credit History - Can I Still Get a Home Loan? - Mortgage World Australia Western Sydney resident, Katrina asks “I defaulted on a personal loan a few years ago and I think I’ve got a bad credit rating. Would I be able to get a home loan?“   Great question Katrina, and certainly one we deal with a lot here at Mortgage World. This... Read more

Getting a Home Loan While on Maternity Leave - Mortgage World Australia 21/05/2021

Getting a Home Loan While on Maternity Leave - Mortgage World Australia

Getting a Home Loan While on Maternity Leave

https://www.mortgageworldaustralia.com.au/blog/getting-home-loan-maternity-leave/

Getting a Home Loan While on Maternity Leave - Mortgage World Australia Bankstown resident, Julia asks “I’m currently on maternity leave and my husband and I wish to purchase a property. My bank has told me we won’t qualify until I return to work, are there any lenders that can help us before I return to work?“ Fantastic question sent in by... Read more

Getting a Low Doc Home Loan with Oustanding Tax Returns - Mortgage World Australia 19/05/2021

Getting a Low Doc Home Loan with Oustanding Tax Returns - Mortgage World Australia

Getting a Low Doc Home Loan with Oustanding Tax Returns

https://www.mortgageworldaustralia.com.au/blog/getting-low-doc-home-loan-outstanding-tax-returns/

Getting a Low Doc Home Loan with Oustanding Tax Returns - Mortgage World Australia Perth resident, George asks “I’m self-employed but my tax returns aren’t up-to-date. Can I still obtain a home loan?“ Thanks for the question George. Of course, sorting your tax out before borrowing might be your best bet, there are still some options available to you. If you do not have... ...

Medico Lending - Home Loans for Medical Professionals - Mortgage World Australia 17/05/2021

Medico Lending - Home Loans for Medical Professionals - Mortgage World Australia

Medico Lending – Home Loans for Medical Professionals
https://www.mortgageworldaustralia.com.au/blog/medico-lending-home-loans-medical-professionals-doctors/

Medico Lending - Home Loans for Medical Professionals - Mortgage World Australia General Practioner, Katie asks “I’m a General Practitioner and my colleague mentioned that I might be eligible for some special home loan benefits, is that true?“ Thanks for the question Katie, it is certainly true, and we’re glad you asked. Here’s some advice to point you in the right dir...

Getting A Home Loan With A New Job - Mortgage World Australia 14/05/2021

Getting A Home Loan With A New Job - Mortgage World Australia

Getting A Home Loan With A New Job

https://www.mortgageworldaustralia.com.au/blog/new-job-home-loan/

Getting A Home Loan With A New Job - Mortgage World Australia Coopers Plains resident, Nihal asks “My bank declined my home loan application since I only recently started a new job. Can you help?“ While not common there are lenders that will consider applicants that have been employed in a new job for as little as one day or who have... Read more

Timeline Photos 13/05/2021

New 5.0-star Review: "Buying property as an expat and during covid lockdowns, was such an arduous ordeal. Thankfully, I had Patrick and Krystal to help with the process. Patrick knew all about loan conditions and when one bank changed their conditions to be more favourable for an overseas buyer, he contacted me straight away, making the process of applying as smooth as it could possibly be. I was most impressed with this constant communication, particularly as we were experiencing a 9 hour time difference.If you are an expat and considering buying property back home, Mortgage World are a great option. Their rapid communication kept me completely confident for the whole process.Many thanks, Mortgage World!"

New 5.0-star Review: "Buying property as an expat and during covid lockdowns, was such an arduous ordeal. Thankfully, I had Patrick and Krystal to help with the process. Patrick knew all about loan conditions and when one bank changed their conditions to be more favourable for an overseas buyer, he contacted me straight away, making the process of applying as smooth as it could possibly be. I was most impressed with this constant communication, particularly as we were experiencing a 9 hour time difference.If you are an expat and considering buying property back home, Mortgage World are a great option. Their rapid communication kept me completely confident for the whole process.Many thanks, Mortgage World!"

Introductory Guide to Financing a Company Title Unit - Mortgage World Australia 12/05/2021

Introductory Guide to Financing a Company Title Unit - Mortgage World Australia

Introductory Guide to Financing a Company Title Unit

https://www.mortgageworldaustralia.com.au/blog/guide-financing-company-title-unit/

Introductory Guide to Financing a Company Title Unit - Mortgage World Australia Adelaide resident, Kirk asks “I have bought a company title unit, but my bank said it’s unacceptable security. Are there any lenders that can help me finance a company title unit?“ There are two main types of unit titles in Australia. There is a strata title, and then there is... Read more

Declined Finance for Property What are My Options? - Mortgage World Australia 10/05/2021

Declined Finance for Property What are My Options? - Mortgage World Australia

Declined Finance for Property What are My Options?

https://www.mortgageworldaustralia.com.au/blog/declined-finance-for-property-what-are-my-options/

Declined Finance for Property What are My Options? - Mortgage World Australia Wetherill Park resident, Lou asks “My bank said I can’t borrow the amount I need. They know I can afford it. Will another lender give me the money I need?“   In the last couple of years, lending criteria has become far more stringent mainly due to the regulatory pressure... Read more

How Living Expenses Can Affect Your Borrowing Capacity - Mortgage World Australia 07/05/2021

How Living Expenses Can Affect Your Borrowing Capacity - Mortgage World Australia

How Living Expenses Can Affect Your Borrowing Capacity

https://www.mortgageworldaustralia.com.au/blog/how-living-expenses-affect-borrowing-capacity/

How Living Expenses Can Affect Your Borrowing Capacity - Mortgage World Australia Jindalee resident, Katrina asks “I’ve been told that lenders have changed the way they look at living expenses recently, and take things like Foxtel and Netflix into account. Is this true?“   Yes Katrina, things have really changed over the past few years, and even things like going for lunch...

6 Ways to Increase Your Borrowing Capacity - Mortgage World Australia 05/05/2021

6 Ways to Increase Your Borrowing Capacity - Mortgage World Australia

6 Ways to Increase Your Borrowing Capacity

https://www.mortgageworldaustralia.com.au/blog/6-ways-increase-borrowing-capacity/

6 Ways to Increase Your Borrowing Capacity - Mortgage World Australia Erina resident, James asks “My partner and I are interested in a property at Terrigal on the Central Coast, however it’s just above what banks will lend us. How can we increase our borrowing capacity?“   This is a common question because we often find that when people apply for... Read more

Where is the Property Market Heading in the Next 3 Years? - Mortgage World Australia 03/05/2021

Where is the Property Market Heading in the Next 3 Years? - Mortgage World Australia

Where is the Property Market Heading in the Next 3 Years?

https://www.mortgageworldaustralia.com.au/blog/where-property-market-heading-next-years/

Where is the Property Market Heading in the Next 3 Years? - Mortgage World Australia Sydney resident, James asks “Where does Mortgage World Australia see the property market heading over the next 3 years“ Predicting the future growth or decline in Australian property markets is a favourite pastime of various newspapers and the media. When the media are required to produce newswo...

How Late Loan Repayments Can Affect Your Credit History & Credit Score - 30/04/2021

How Late Loan Repayments Can Affect Your Credit History & Credit Score -

How Late Loan Repayments Can Affect Your Credit History & Credit Score

https://www.mortgageworldaustralia.com.au/blog/how-late-loan-repayments-affect-credit-history/

How Late Loan Repayments Can Affect Your Credit History & Credit Score - Forest Lake resident, Mark asks “If I’ve been late with a number of personal loan repayments, can this affect my credit rating later on?“ In the past, Australia has had a negative credit reporting system, and what this basically means is that on your credit report all that would be... Read mor...

Blog - Mortgage World Australia 28/04/2021

Blog - Mortgage World Australia

How To Get Approved For A Casual Employment Home Loan

https://www.mortgageworldaustralia.com.au/blog/page/2/

Blog - Mortgage World Australia Posted 04 Mar by Patrick O'Brien Is it time to fix your home loan interest rate? Since we’ve gone back to work after the summer holidays, I seem to have been asked one question more than any other. “Is it time to fix my home loan interest rate?” The reason clients are asking this is that we ar...

House and Land Package Loan Advice for Fast Approval - Mortgage World Australia 26/04/2021

House and Land Package Loan Advice for Fast Approval - Mortgage World Australia

House and Land Package Loan Advice for Fast Approval

https://www.mortgageworldaustralia.com.au/blog/house-land-package-loan-advice-fast-approval/

House and Land Package Loan Advice for Fast Approval - Mortgage World Australia Brisbane residents, John and Chloe ask “My girlfriend and I are looking at various house and land package loans. What sort of advice could you give us to make sure we make the right decision and also to ensure we’re eligible and get approved quickly?“ We do a lot of... Read more

Timeline Photos 23/04/2021

New 5.0-star Review: ""

New 5.0-star Review: ""

What is Rentvesting? - Mortgage World Australia 23/04/2021

What is Rentvesting? - Mortgage World Australia

What is Rentvesting?

https://www.mortgageworldaustralia.com.au/blog/what-is-rentvesting/

What is Rentvesting? - Mortgage World Australia Neutral Bay resident, Greg asks “I currently live on Sydney’s North Shore, and love the lifestyle but can’t afford property here. I’ve heard of the term rentvesting as an option. What is rentvesting and how does it work?“ Great question Greg. As property prices continue to rise, we’re se...

LVR Meaning - What Does LVR Mean and How is it Calculated? - Mortgage World Australia 21/04/2021

LVR Meaning - What Does LVR Mean and How is it Calculated? - Mortgage World Australia

LVR Meaning – What Does LVR Mean and How is it Calculated?

https://www.mortgageworldaustralia.com.au/blog/lvr-meaning-what-does-lvr-mean-and-how-calculated/

LVR Meaning - What Does LVR Mean and How is it Calculated? - Mortgage World Australia Sunshine Coast resident, Danielle asks “I’m interested in applying for a home loan, and am somewhat confused by what LVR means? What does it mean, and how is it calculated?“ LVR essentially means loan to valuation ratio. Basically, it’s the loan amount divided by the value of the property. S...

Stamp Duty Exemption NSW – Are You Eligible? - Mortgage World Australia 19/04/2021

Stamp Duty Exemption NSW – Are You Eligible? - Mortgage World Australia

Stamp Duty Exemption NSW – Are You Eligible?

https://www.mortgageworldaustralia.com.au/blog/stamp-duty-exemption-nsw-are-you-eligible/

Stamp Duty Exemption NSW – Are You Eligible? - Mortgage World Australia Hornsby resident, Kylie asks “My partner and I are looking to get into the property market next year, and were wondering if we would be exempt from having to pay stamp duty? We’re first home buyers living in Hornsby NSW“ Great question Kylie, and one that’s certainly worth asking because... ...

The Best Resources for Real Estate Investing - Mortgage World Australia 16/04/2021

The Best Resources for Real Estate Investing - Mortgage World Australia

THE BEST RESOURCES FOR REAL ESTATE INVESTING

https://www.mortgageworldaustralia.com.au/blog/the-best-resources-for-real-estate-investing/

The Best Resources for Real Estate Investing - Mortgage World Australia Whether you are a real estate rookie or an old hand at investing, staying up to date on the latest trends can be tough. The market is constantly changing and monitoring its moves takes time and commitment.   Fortunately, there is no shortage of resources to help you along the... Read more

If You Were Rejected For A Loan Just 12 Months Ago You May Be Accepted Now - Mortgage World Australia 14/04/2021

If You Were Rejected For A Loan Just 12 Months Ago You May Be Accepted Now - Mortgage World Australia

If You Were Rejected For A Loan Just 12 Months Ago You May Be Accepted Now

https://www.mortgageworldaustralia.com.au/blog/if-you-were-rejected-for-a-loan-just-12-months-ago-you-may-be-accepted-now/

If You Were Rejected For A Loan Just 12 Months Ago You May Be Accepted Now - Mortgage World Australia Over the last 18 months or so, we were being told ‘no’ for a lot more home loan applicants than usual because the banks were forced to use a high ‘assessment rate’ on both new home loan lending and existing lending not being refinanced. When you apply for a loan,... Read more

How Do Banks Assess Borrowing Capacity? - Mortgage World Australia 12/04/2021

How Do Banks Assess Borrowing Capacity? - Mortgage World Australia

How Do Banks Assess Borrowing Capacity?

https://www.mortgageworldaustralia.com.au/blog/how-do-banks-assess-borrowing-capacity/

How Do Banks Assess Borrowing Capacity? - Mortgage World Australia Thanks to changes by APRA (The Australian Prudential Regulation Authority) the lenders have a responsibility to ensure you can afford the loan repayments as well as your living expenses. As such they may have to really dig into your personal finances before they can approve you for a loan and... Rea...

First Home Loan Deposit Scheme - Great News for First Home Buyers - Mortgage World Australia 31/03/2021

First Home Loan Deposit Scheme - Great News for First Home Buyers - Mortgage World Australia

First Home Loan Deposit Scheme – Great News for First Home Buyers

https://www.mortgageworldaustralia.com.au/blog/first-home-loan-deposit-scheme/

First Home Loan Deposit Scheme - Great News for First Home Buyers - Mortgage World Australia New places made available in the First Home Loan Deposit Scheme (FHLDS) for both new home purchases and established home purchases

Timeline Photos 30/03/2021

New 5.0-star Review: "I have lost count of the number of times that I have counted my lucky stars to have Patrick's Mortgage services. He is always striving to find the best outcome for his customer - I know that I can always place my trust in him to find the right mortgage for us. I have been using his services for many years and Highly recommended his services!. Thanks Patrick!"

New 5.0-star Review: "I have lost count of the number of times that I have counted my lucky stars to have Patrick's Mortgage services. He is always striving to find the best outcome for his customer - I know that I can always place my trust in him to find the right mortgage for us. I have been using his services for many years and Highly recommended his services!. Thanks Patrick!"

Is it time to fix your home loan interest rate? - Mortgage World Australia 29/03/2021

Is it time to fix your home loan interest rate? - Mortgage World Australia

Is it time to fix your home loan interest rate?

https://www.mortgageworldaustralia.com.au/blog/is-it-time-to-fix-your-home-loan-rate/?utm_source=mwa&utm_medium=blog&utm_campaign=post

Is it time to fix your home loan interest rate? - Mortgage World Australia Home loan fixed rates are at a record low and many people are fixing some or all of their home loan to take advantage.

Gift Deposit - Can I Obtain a Home Loan Without Genuine Savings? - Mortgage World Australia 26/03/2021

Gift Deposit - Can I Obtain a Home Loan Without Genuine Savings? - Mortgage World Australia

Gift Deposit – Can I Obtain a Home Loan Without Genuine Savings?

https://www.mortgageworldaustralia.com.au/blog/gift-deposit-home-loan-without-savings/?utm_source=mwa&utm_medium=blog&utm_campaign=post

Gift Deposit - Can I Obtain a Home Loan Without Genuine Savings? - Mortgage World Australia Balmain resident, Byron asks “I don’t have any genuine savings but my parents said they’d be willing to give me the 10% deposit required to purchase my own home. Is a gift acceptable as a deposit?” Thanks for the question Byron. This is most certainly a question that we get... Read more

What is an Interest-Only Investment Property Loan? - Mortgage World Australia 22/03/2021

What is an Interest-Only Investment Property Loan? - Mortgage World Australia

What is an Interest-Only Investment Property Loan?

https://www.mortgageworldaustralia.com.au/blog/what-is-interest-only-property-loan/?utm_source=mwa&utm_medium=blog&utm_campaign=post

What is an Interest-Only Investment Property Loan? - Mortgage World Australia Dee Why resident, Rachel asks “I often hear about people buying numerous investment properties using interest only loans. What’s the advantage of doing this? Does it lower the repayments or something, and what do you need to be eligible for one?” Thanks for the question Rachel. There are some ...

How To Use Existing Equity To Buy An Investment Property - Mortgage World Australia 19/03/2021

How To Use Existing Equity To Buy An Investment Property - Mortgage World Australia

How To Use Existing Equity To Buy An Investment Property

https://www.mortgageworldaustralia.com.au/blog/how-use-existing-equity-buy-investment-property/?utm_source=mwa&utm_medium=blog&utm_campaign=post

How To Use Existing Equity To Buy An Investment Property - Mortgage World Australia Camp Hill resident, George asks “I own my own home and have substantial equity in it. Do I need a cash deposit to purchase an investment property, or can I use the equity I already have? Thank you so much” Great question George. It is a bit of misconception that... Read more

What Documentation Do Self-Employed Individuals Need for a Home Loan? - Mortgage World Australia 17/03/2021

What Documentation Do Self-Employed Individuals Need for a Home Loan? - Mortgage World Australia

What Documentation Do Self-Employed Individuals Need for a Home Loan?

https://www.mortgageworldaustralia.com.au/blog/what-documentation-self-employed-need-home-loan/?utm_source=mwa&utm_medium=blog&utm_campaign=post

What Documentation Do Self-Employed Individuals Need for a Home Loan? - Mortgage World Australia Central Coast resident, Simone asks “To obtain a home loan, what documentation do self-employed individuals who work under a company structure require?“   Thanks for the question Simone. For this one there’s a fair bit to consider. Home loan documentation for those that are self-employed or t...

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New South Wales, Toongabbie
Toongabbie, NSW
2146

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Other Loans in Toongabbie (show all)
LoanConsult NSW LoanConsult NSW
PO Box 243
Toongabbie, 2146

Specialist in Home Loans, Investment Property Loans, Business Finance, Asset Finance, Commercial Loans. Extensive experience in Banking and Finance.

Yellow Brick Road Toongabbie Yellow Brick Road Toongabbie
Suite 1, 27-30 Portico Parade
Toongabbie, 2146

We provide access to quality financial advice to every day Australians - from the purchase of your first home, all the way to retirement.