Home Loans
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 The Funding Agency today!
Rated 5 from 134 Reviews
Rated 5 from 134 Reviews
At The Funding Agency, we understand that buying a home is a significant milestone for many Australians. Whether you are a first-time buyer or looking to upgrade, navigating the property market can be complex. Our goal is to simplify this process by helping you access Home Loan options from banks and lenders across Australia. With our expertise, you can find a home loan that suits your financial situation, ensuring the path to your new home is as smooth as possible.
Accessing the right Home Loan options is crucial, as it can affect your overall financial health. One of the first steps in applying for a home loan is understanding your borrowing capacity. This involves assessing your income, expenses, and existing debts to determine how much you can borrow. Your credit history plays a vital role in this process, as it helps lenders assess your reliability as a borrower. A good credit history may lead to more favourable terms and interest rate discounts.
When considering Home Loan options, it is important to understand the different types of interest rates available. Variable interest rate loans offer flexibility as they fluctuate with the market. This means your repayments could change over time. Alternatively, fixed interest rate home loans provide stability with set repayments over an agreed period. Some borrowers prefer variable home loan rates for their potential savings, while others value the predictability of a fixed interest rate home loan. The choice between these options depends on your financial situation and future plans.
The loan to value ratio (LVR) is another critical factor when applying for a home loan. LVR is the percentage of the loan amount compared to the property's value. A higher LVR may require lenders mortgage insurance (LMI), which protects the lender if you default on the loan. It is essential to calculate your LVR accurately and consider how it will affect your Home Loan application. Additionally, calculating home loan repayments in advance can help you budget effectively and avoid any surprises.
Applying for a home loan involves more than just choosing the right interest rate and LVR. The application process typically requires bank statements and other financial documentation to verify your income and expenses. At The Funding Agency, we offer a streamlined application process designed to reduce stress and save time. We guide you through each step, from getting pre-approved to finalising your Home Loan application.
Stamp duty is another consideration when buying a home in Melbourne and across Victoria. This tax is based on the property's purchase price and varies by state. Factoring in stamp duty costs when planning your budget is crucial, as it can impact the overall affordability of your new home.
In conclusion, choosing the right Home Loan options is vital for securing your ideal property without compromising your financial stability. At The Funding Agency, we are committed to helping you apply for a home loan that aligns with your needs and goals. Whether you're interested in exploring an offset account or understanding how home equity can work for you, our team is here to assist. Contact us today to begin your journey towards owning a new home with confidence.
Start with a conversation with one of our expert Finance & Mortgage Brokers. We take the time to understand your financial goals and objectives. The broker will look to gain an understanding of your short term and long term plans.
To get started, we’ll request key information and documents such as income statements, bank records, and identification. Our team will guide you through the required paperwork to ensure a smooth process.
We conduct a thorough review of your financial situation like how a bank would. We assess your income, assets, liabilities, spending history and credit history. Based on this, we design a finance plan tailored to your needs, ensuring you maximise your borrowing potential and secure the most suitable loan structure. We will work with you to present the best possible options and discuss how your financial position impacts these options.
Once everything is in place and we have all relevant information and signed application documents, we will submit your loan application to the selected lender. We manage the process end-to-end, liaising with the bank or funder to ensure a seamless experience. We will keep you up to date with emails throughout the journey.
Once your loan is approved, we’ll guide you through the formal documentation process and the relevant steps towards settlement!
As settlement approaches, we coordinate with all relevant parties—your lender, solicitor, and other important parties—to ensure a smooth transaction. Once your loan is settled we will complete relevant checks to ensure that everything has been set up correctly (with your help)
Our relationship doesn’t end at settlement. We provide ongoing support through our **Customer Care Program**, helping you manage repayments, review interest rates, and explore refinancing or investment opportunities as your needs evolve.
AB
Alex Bogart King
I've done 5 or 6 refinances now through Dean and Bobby, easily the best in the business. If you're frustrated with the banks, go and see these guys... They are masters at navigating bank world and figuring out what's most suitable for you.
TM
Tayla McHale
Dean and the team were simply amazing. I approached Dean as I was looking to purchase my first home and had absolutely no knowledge of the process. Dean was very patient and made everything very easy to understand in turn making the process ...
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Oshani Withanage
Bobby and the team were extremely helpful, professional and accommodating in assisting me purchase my first home. Having them do all the heavy lifting made it a seamless experience for me which I’m grateful for. Would definitely recommend to all friends and family!
We provide a range of funding solutions, including development finance, residential and commercial property loans, business loans, and asset finance.
Yes, we provide private lending solutions for borrowers who may not meet traditional bank criteria, as well as tailored development finance for residential and commercial projects.
The timeline varies depending on the complexity of your application. Some loans can be approved within 24-48 hours, while larger or more complex funding may take longer
Interest rates and fees vary based on the loan type, risk assessment, and market conditions. Contact us for a personalised quote.
Eligibility depends on the type of funding you need. We assess factors such as financial history, creditworthiness, income, and project feasibility.
Yes, we offer pre-approvals to help you understand your borrowing capacity before committing to a loan.
Yes, early repayments are allowed on most loans, but some may have exit fees or break costs. We will outline any applicable fees upfront.
Typically, you’ll need identification, financial statements, tax returns, business plans (if applicable), and details about the asset or project you’re funding.
Yes, we assess applications holistically. While credit history is a factor, we also consider business performance, cash flow, and collateral.
You can start by filling out our online application form, calling our team, or booking a consultation to discuss your funding needs.
The Trustee for M2 FINANCIAL UNIT TRUST ABN: 82 394 905 612. Credit Representative #560421 is authorised under Australian Credit License #383640.
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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