Our process
  1. Free financial analysis

    We’ll meet at the place of your convenience or use our ground breaking leading technology which we call the Vega Partners Center - a secure video conferencing system. We are also able to utilize Skype, Google Hangouts or Zoom, to understand your goals and develop a financial analysis together.

  2. Present loan options

    Based on our meeting, we’ll complete a loan application and discuss the best lenders to approach and why.

  3. Loan approval

    Once you’ve received the good news that your loan is approved, we’ll guide you through each step of the process.

  4. Settlement day

    We keep in touch with you, your lender and relevant parties to make sure everything goes as expected.

  5. Ongoing Support

    We keep an eye on the market as it relates to your mortgage. We’ll help you take advantage of any market movements and better deals.

Helpful information

Credit Profile

A Credit file is kept for any person who has been credit-active over the past seven years. Your credit file is updated every time you apply for new credit. This credit history impacts on whether or not a credit provider will approve your loan; how much importance is placed on it will depend on the lender. 

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Fixed rate and variable rate home loans

Interest rates can change regularly or stay steady, depending on the economy at the time. Choosing a fixed or variable interest rate home loan can help you reduce interest charges over the life of your home loan. 

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Managing mortgage stress

Mortgage stress can affect anyone, regardless of where you live or how much your property is worth. Although interest rates do play a part in creating mortgage stress, more often than not the real cause lies with an unexpected life event; unemployment, illness, injury and relationship breakdowns are some of the most common causes of mortgage stress. 

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Using a mortgage adviser

Here are some of the most frequently asked questions from existing Loan Market customers about what to expect when meeting with a mortgage adviser. 

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Moving costs

To help you budget for your big move, here are some of the common fees and charges associated with moving home. 

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Managing and reducing your mortgage

One you've secured a mortgage, it's imporant not to just 'set and forget'. You need to spend some time managing it to make sure it continues to work for you. 

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Finding the right property

Finding the right property is essential to securing the right home loan. There are many details that you need to consider when selecting your home and determining how much you can borrow. 

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Buying property with family and friends

This type of property purchase is usually completed as a tenants-in-common purchase, which allows two or more people to own interest in a property, either in equal or unequal shares. 

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Mortgage repayment hardship variation

If you're experiencing temporary difficulties in meeting your mortgage repayments, you may be eligible for a hardship variation from your lender. 

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Borrowing capacity

Your borrowing capacity is something you need to know before you commence your property search as it tells you how much you can spend on your new home and where you can afford to live. 

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