Looking for a new home loan
Purchasing a home in Australia is one of the most important decisions you will ever make and even if you have been through the process before you may be surprised by how much things have changed due to recent legislation.
Fortunately, professional mortgage brokers can help you cut through the confusion of all the different types of home loan and help you find the best home loan not just the lowest interest rate – but the right home loan to meet your individual needs. If you are new to the home loan market or haven’t been in the market for a couple of years you may be interested to see how things have changed and so we have prepared a detailed description of the home loan application process here. Every application and even informal chats with lenders can result in damaging inquiries appearing on your credit report. We never go near your credit report and we will be very thorough in order to ensure that your home loan application is the only one that you will need to make. Important to also please keep in mind that we don’t charge you for our service and rely on the commission that we are paid by lenders and so it simply is not in our interest to suggest an application that we don’t believe will succeed.
Home Loans in Australia – what are my options?
At Peach we firmly believe that a one-size-fits-all approach does not work for our clients. No two borrowers are alike and we pledge to work with you to assess your situation and find you the best home loan. Our friendly staff are experts in home loan comparison and we can help you assess how much you can afford to borrow and whether you are upsizing or downsizing a vanilla variable principal and interest, or interest only or if a fixed rate home loan is right for you.
We are dedicated to helping you find the best home loan product to suit your individual situation. We help you navigate the often murky world of introductory rates or honeymoon deals, line of credit or home equity loans, low-doc and the flexible use of redraw or the importance of how to correctly use an offset account.
The complexity of the home loan market is not to be underestimated – conditions, fees and charges can create confusion and uncertainty when it comes to choosing the right product.
Peach Home Loans aims to provide you with a realistic look at the true cost of your home loan and all our mortgage brokers work to ensure this process is as straight forward as possible. Every decision we make has your best interests in mind and we are dedicated to helping you find the best new home loan possible.
We will help you compare bank home loans with products provided by alternative lenders – in addition to the home loans offered by banks such as Westpac, ANZ, Commonwealth Bank and NAB, you may also wish to explore the products offered by other trusted providers including, Teachers Mutual, ME Bank, Heritage, AMP, ING and Suncorp to name a few.
How can Peach Home Loans help me?
Whether you are a first-time buyer, looking for a property investment, renovating your current home, buying a new home or looking to refinance your mortgage, the team at Peach Home Loans can give you the information you need to make an informed decision about your home loan.
You’ll find we operate differently to many other Australian mortgage brokers. Our unique decentralised structure means more flexibility in our mode of operation, taking full advantage of technology – which often leads to better deals for our clients.
Rather than being tied to any single bank or lender Peach Home Loans operates with a panel of more than 20 mortgage providers. These connections allow us to carefully match our customers with the right products and providers for your unique situation – and help you to make a better choice when it comes to your home loan.
We are an MFAA-approved mortgage broker and a member of the Credit Ombudsman Service – and you’ll find we are also registered with an Australian credit license. Even more importantly, we’re proud of the straightforward, high-quality service our clients have come to expect from us.
If you are unsure of where to start when it comes to home loans, get in touch with the team at Peach Home Loans today – we are happy to discuss your situation, your needs and your aspirations and help you find the perfect product.