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Buying Your First Home?
Buying Investment Property?
Equity Cashout
Getting Business Loan
As your local mortgage and finance specialists, EZ Mortgage Broker provides expert guidance and connects you with the right loan solutions. We offer assistance with home loans, refinancing, property investment, and more, ensuring you have the information you need to make sound financial decisions.
We specialize in the following loan types:
- First Home Buyers Loan
- Refinance
- Investment Loan
- SMSF Loans
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Our Process
Here is How It Works
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Understand
We understand your financial situation, goals, and borrowing needs to find the best mortgage solutions for you.
Evaluate
We assess your borrowing capacity based on income, assets, and credit score to determine your loan eligibility.
Present
We research options from various lenders, evaluate rates, terms, and fees to find the best loan for your needs.
Approve
We guide you through the application, ensure all documents are submitted, and assist with settlement.
Services
What Services We Provide
At EZ Mortgage Broker, we prioritise your unique needs and work diligently to find the best mortgage solution for you. We guide you through the entire process, from pre-approval to settlement, ensuring a smooth and stress-free journey. Our expert guidance and personalised support make the mortgage process easy.
Why Choose Us
About Us
Looking for a mortgage broker that puts your interests first? Choose EZ Mortgage Broker. See how we stand out:
Ethical Approach
No hidden incentives, only your best interests.
Diverse Options
Access to 30+ lenders (including Big 4 Banks) for the best rates.
Strategic Assistance
Loans tailored to your future goals.
Expert Network
Connect with trusted professionals for comprehensive guidance.
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Happy Customers
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Compliance Focussed
100%
Satisfaction
100%
Success Rate
Seeking Help for
Buying Your First Home?
Buying Investment Property?
Equity Cashout
Getting Business Loan
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Ready to make your homeownership dreams a reality? Schedule a free consultation with EZ Mortgage Broker today.
- Simplifying your mortgage journey, one step at a time.
- Your path to homeownership starts here. Book your free consultation today.
- Expert advice, competitive rates, and a smooth application process. Schedule your appointment now.
The amount you can borrow is commonly known as your borrowing capacity. Your borrowing capacity will differ from lender to lender.
The First Home Owner Grant (FHOG) scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It is a national scheme funded by the states and territories and administered under their own legislation.
Under the scheme, a one-off grant is payable to first home owners that satisfy all the eligibility criteria.
As the funding for this national scheme is administered by the individual States and Territories, eligibility criteria will vary.
To see if you are eligible and to obtain more information about the First Home Owners Grant, please select the State or Territory below in which you intend to purchase your home.
Other fees and charges may include (but are not limited to):
- Building/Pest inspection
- Valuation fees
- Lender’s mortgage insurance (LMI)
- Solicitor fees
- Insurances
- Connection fees – phone/gas/electricity
- Shire rates and taxes
- Stamp Duty
There are two types of stamp duty:
On the property: Transfer Stamp Duty is payable by the purchaser of real estate based upon the purchase price of the property. Depending on individual State legislation, the duty is payable to the Office of State Revenue.
On the mortgage: Mortgage Stamp Duty is a State or Territory Government tax (based on where the property is situated) payable by the borrower and assessed on the amount of borrowings secured by the mortgage.
FAQ
Frequently Asked Questions
Essentially, Lenders Mortgage Insurance (LMI) gives you the opportunity to purchase a property with a smaller deposit.
LMI protects the lender (not you, the borrower) should you default and the property is sold for less than the outstanding amount on the loan.
LMI premiums are payable by the borrower when the amount borrowed is above a certain percentage. Some lenders will allow you to add the LMI premium to your home loan; others require you to pay it up front.
Refinancing allows you to alter your home loan to suit your current circumstances. It’s important when considering refinancing that you’re aware of any costs from your current lender to discharge your loan.
When you refinance your existing loan, funds may be used to pay out your existing loan and/or additional funds may be borrowed.
What type of things do people refinance for?
Home loan refinancing may be used for different reasons including:
- Renovations
- Consolidating your debts
- Taking advantage of special lender offers
- To raise cash for purchase
- To obtain a home loan that will allow frequent deposits or withdrawals and will benefit you for having additional daily funds resting in this loan
- You want to switch from a fixed rate to a variable rate or vice versa
Equity is the difference between the value of the property and any borrowings on that property. It may be possible to use this equity as a deposit or to increase your borrowings. When you buy a property, costs such as establishment fees, solicitor fees and stamp duty add up. Instead of trying to find cash to pay these fees, take them into account in your borrowings.
Customer Satisfaction Guaranteed
Experience the EZ Mortgage Broker Difference
Benefit from our expertise and achieve your home loan goals. Join our growing list of satisfied clients with an average 5-star Google rating. We prioritize your needs and work diligently to find the best mortgage solution for you. We guide you through the entire process, from pre-approval to settlement. Experience a stress-free journey with our expert guidance and personalized support. Contact us today for a free consultation and let’s make your homeownership dreams a reality.
I had a great experience working with Robin sir on my first home loan. He has all the required knowledge on the home loan process and government schemes. He is very honest and trustworthy and always suggests option in the best interest of client. He keeps you posted on every little step which I really appreciate. I highly recommend him. Thank you Robin sir !
Working with Robin for my recent home purchase was a pleasure. His transparency and patience were invaluable. He clearly explained every aspect of the process, ensuring I made informed decisions. Robin's honesty and integrity were evident throughout. I highly recommend him to anyone seeking a trustworthy and reliable mortgage broker.
I highly recommend EZ Mortgage Broker (Robin). He exceeded expectations, securing the best rate and negotiating with agents. His professionalism and dedication made the process seamless and smooth. If you're looking for a dedicated broker who can inform you at every step, look no further than EZ Mortgage Broker.
Robin is a knowledgeable and customer-focused broker. He provides excellent guidance and support throughout the home buying journey. He ensures you're well-informed, stays updated on your progress, and ensures you meet the requirements for the First Home Buyer Guarantee. I highly recommend him.
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