Rated 5 from 85 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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Vicki Kerr
Savvy Home Loans made our dream come true! They understood our vision and had the knowledge and skill to make it happen. Other brokers pale into insignificance by comparison. Leanne Pon is Director of the company and a brilliant financial strategist, who is supported by an outstanding team including her son Jarrad. Our service experience was flawless. Their communication, expertise and dependability were second to none. There is no other mortgage broker I would consider using and I trust Savvy completely to look after our future needs. It was an absolute delight to engage with such an exceptional service provider. I only wish I had discovered Savvy earlier, but at least I can be grateful that I'm a Savvy client now. Thank you Leanne, Jarrad and Emma!
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Ridesofourlives
We can't thank Savvy Home Loans enough for helping us secure our first home 10yrs ago and have now helped us save thousands of dollars by us switching lenders! Their service and expertise is truly 5-star! They are professional, friendly, and always willing to go the extra mile. We've already recommended them to all our friends and family, and we’ll continue to do so! If you're looking for someone who genuinely cares and delivers results call the team at Savvy Home Loans!!
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Wendy Hand
Working with Savvy Home Loans and Emma has been an absolute pleasure. The entire process was seamless from start to finish. The platform is incredibly user-friendly, making each step simple and straightforward. Emma was fantastic to communicate with always responsive, clear, and genuinely supportive throughout the journey. What really stood out were the out-of-the-box solutions Emma brought to the table. If you're looking for a smart, stress-free way to secure a home loan, I can't recommend Savvy Home Loans and Emma highly enough!
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Mick Lindsay
Amazing! We had a tough timeline, unusual conditions, unique structure and they nailed it. Emma is efficient, friendly, great communication. Spent the last 2 days moving into our dream house, would highly recommend!
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Krystal Gray
Emma was so incredible at helping us get our finance! I can’t even begin to describe the amount of effort and dedication she put in for us. We through so many hurdles her way, but she managed to make it work in such a short time frame. All while remaining friendly and professional to deal with. No way we would of got it done without her. Thanks Emma! ☺️
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Ning Cing
The Savvy Home Loan team has been exceptionally helpful—efficient, professional, proactive, and incredibly knowledgeable. They consistently go above and beyond to secure our investment loan. We couldn’t recommend them highly enough. Leanne, Emma, Derrick, and Jarrod—it’s been a pleasure working with you. Donald and I feel very fortunate to know you and to have received your support. Well done, team!
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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