Get into your first home, next home or dream home sooner with a range of Home Loan options. Get help from an experienced Finance & Mortgage Broker at Savvy Home Loans today!
Rated 5 from 91 Reviews
Securing a home loan is an important step in buying a home, whether you're a first-time buyer or looking to upgrade your property. At Savvy Home Loans, we specialise in helping clients throughout Brisbane, QLD, and across Australia, access Home Loan options from banks and lenders nationwide. Our expertise ensures you find the right loan suited to your financial situation. We simplify the application process and offer guidance on securing the best interest rates, understanding lenders mortgage insurance (LMI), and navigating the complexities of the property market.
Understanding your borrowing capacity is crucial when applying for a home loan. By assessing your credit history and financial situation, we help determine how much you can borrow, which influences your loan amount and the interest rate you'll be offered. Savvy Home Loans works with you to calculate home loan repayments and explore interest rate discounts that may be available. We provide clarity on loan-to-value ratio (LVR), helping you understand how this affects your Home Loan application and the potential need for LMI.
Choosing between a fixed interest rate home loan and variable home loan rates is another critical decision. A fixed interest rate offers stability in your repayments, making budgeting simpler over the loan term, while a variable interest rate might provide more flexibility and the potential for savings if rates decrease. Savvy Home Loans guides you through these options, ensuring you are well-informed about how each type of home loan interest rate aligns with your long-term goals.
Applying for a home loan can seem overwhelming, but our streamlined application process makes it straightforward. Our team assists with gathering necessary documents like bank statements and offers insights into stamp duty and other costs associated with buying a home. We also discuss the benefits of getting pre-approved for a home loan, which can give you an edge in the competitive property market. Home Loan pre-approval allows you to make offers with confidence, knowing your finances are in order.
For those looking to make the most of their existing property, accessing home equity can be an effective strategy. Whether it's for renovations or other investments, understanding how to leverage your property’s value is essential. An offset account is another feature worth considering, as it can reduce your overall interest payments by offsetting the balance of your loan with the funds in your account.
Savvy Home Loans is committed to helping you apply for a home loan that aligns with your needs. Our team provides trusted and personalised advice, ensuring you understand all aspects of your Home Loan options. From variable interest rate considerations to managing your credit history, we are here to support you every step of the way.
At Savvy Home Loans, we believe in empowering our clients with knowledge and support throughout the home loan journey. Whether you're calculating home loan repayments or exploring different Home Loan options, our team is ready to assist you in achieving your property dreams. Contact us today to discover how we can help you find the best home loan solution tailored to your circumstances and take the next step towards buying a home with confidence.
Initial Consult with Savvy Home Loans
Have a chat with a qualified Finance & Mortgage Broker who will understand your situation and talk you through the next steps.
Home Loan Fact Find
Your Finance & Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.
Home Loan Pre-Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
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Suzy Davey
Leanne at Savvy is an experienced and extremely knowledgeable mortgage broker, always happy to help her clients understand their options.
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John White
I have just been recently divorced, and it was time for me to buy a place of my own. A very daunting process when you aren't use to doing it by yourself. I was lucky enough to have an unbelievable Real Estate Agent, Penny Finnigan who put me onto Emma as my broker, and what can I say but WOW. Emma is such a beautiful person as well as an unbelievable broker. Emma took all the daunting out of the whole process for me. Right from the very start Emma made me feel comfortable and at ease with the whole process and she delivered exactly what she said she would. She continually communicated with me and kept me up to date the whole way along, and a lot of times Emma went above and beyond what she had to do. I feel very lucky to have built such a great rapport with Emma along my journey, and I feel even luckier to have her on my side as my broker. If you want someone who is genuine through to the bone and a damn good broker as well, give Emma a call, you won't have any regrets ???? Thanks again Emma, you feel like a friend as well as my broker. I will be forever grateful ???? Warmest regards John
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Suzanne Carlton
We cannot thank Emma and Jarrad at Savvy Home Loans enough, their service was absolutely outstanding every step of the way. We tried three times with our own bank and they still couldn’t get our finance sorted but Emma and Jarrad stepped in and made it happen. They took care of everything for us and went above and beyond to make the whole process smooth, stress-free, and successful. Nothing was ever too hard; they patiently answered my countless emails with professionalism and care and went above and beyond to make the process stress-free. If you’re looking for people who truly put their clients first and deliver results, we highly recommend Savvy Home Loans-Emma and Jarrad are the best!
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Dionne Jolly
After being introduced to Leanne by my Financial Advisor Helen Baker, I cannot thank Leanne and her Savvy team Emma and Jarrod enough for their superb and personalised service in helping me secure my first home loan. The Savvy team went ...
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Greg Badrick
Great people to deal with..Emma, Leanne & Jarrad. Very efficient and obliging always contactable... I recommend them totally. Greg Badrick.
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clinton taylor
We examine an extensive selection of financial products from banks, credit unions, and lending institutions nationwide. This enables us to review thousands of available options and ensure we consistently recommend the most suitable home loans for our clients.
We love working with first-time home buyers! Our team has comprehensive expertise in the entire home buying journey and can guide you toward securing the appropriate home loan. We're also well-versed in the various programs designed to support first-time buyers, including the First Home Owners Grant and different stamp duty exemptions that may be available.
Absolutely! We're confident in our ability to locate the most competitive interest rates for your refinancing needs, whether you're dealing with a residential home loan or an investment property loan.
Every one of our mortgage brokers maintains full accreditation and holds membership with the Mortgage and Finance Association of Australia. They demonstrate the highest level of professionalism and deliver outstanding service across various lending solutions.
Our services extend beyond home loans to include investment property loans, construction financing, vehicle loans, personal loans, and numerous other lending products. If you need financing for a purchase, we can likely provide assistance.
Mortgage brokers serve as your advocate in finding the most appropriate loan from major banks, smaller financial institutions, or alternative lending sources. We offer access to a comprehensive range of products that exceeds what any individual lender can provide, allowing us to handle all the research and comparison work to identify the perfect loan solution for your specific needs.
Savvy Home Loans Pty Ltd ABN: 37 128 927 211. Leanne Pon, Derrick Pon and Emma Klingner are authorised credit representatives under Australian Credit Licence #388758..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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