Home Loans - Your local Rockhampton Mortgage Broker

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

5.0

from 53 Reviews

Whether it's your First Home, Next Home or Dream Home, we're on your side

At Your Loan Guy, we understand that buying a home is one of the most significant decisions you will make. Navigating through the complex world of home loans can be daunting, especially when considering a variety of Home Loan options from banks and lenders across Australia. Whether you're a first-time homebuyer or looking to upgrade, our expert guidance ensures you can confidently explore your options while considering factors like interest rates, lenders mortgage insurance (LMI), and your unique financial situation.

Choosing the right home loan begins with understanding the different types of interest rates available. You may opt for a fixed interest rate home loan, which provides stability by locking in your home loan interest rate for a set period, protecting you from market fluctuations. Alternatively, a variable interest rate home loan offers flexibility, with potential interest rate discounts if market conditions change in your favour. Our team will help you weigh the benefits of these options, ensuring that your choice aligns with your financial goals and borrowing capacity.

The loan to value ratio (LVR) is another crucial aspect when applying for a home loan. This ratio compares your loan amount to the value of the property, impacting both the interest rate and whether lenders mortgage insurance is required. A lower LVR can lead to better Home Loan Rates and fewer additional costs like LMI. Understanding your LVR helps in calculating home loan repayments, making sure they fit within your budget. At Your Loan Guy, we assess your financial situation comprehensively, considering factors like credit history and bank statements to determine your optimal LVR.

Before you apply for a home loan, getting pre-approved can provide a clear picture of your borrowing capacity and position you as a serious buyer in the Rockhampton property market. Home Loan pre-approval gives you the confidence to make competitive offers, knowing precisely how much you can spend. Our streamlined application process simplifies this journey, from gathering necessary documents to guiding you through the Home Loan application stages. With our support, you can focus on finding your dream home in areas like The Range, Allenstown, Frenchville, or Norman Gardens.

Stamp duty is another consideration when buying a home, as it adds to the overall cost. Factoring this into your budget early on helps avoid surprises later. Additionally, leveraging features like an offset account can reduce your interest payments over time by linking your savings directly to your home loan balance. This feature can be particularly beneficial when managing variable home loan rates, as it offers an opportunity to save money during times of lower interest.

As you embark on this exciting journey of buying a home, Your Loan Guy stands by your side every step of the way. We simplify the complexities of applying for a home loan, ensuring you access Home Loan options that best fit your needs. Our expertise in managing all aspects of the application process means you can focus on what truly matters: securing a place to call your own. Reach out today to start exploring your options and take the first step towards home ownership with confidence.

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Our Recent Reviews

Ashley is top notch and a true professional at his craft, we live in Brisbane and he did all the work online which was a huge benefit for us. I highly recommend him and have passed his details onto my friends and family who will be using him in the future. Thanks again Ashley!

Clifton Bartram

I couldn't have said it better Ashley really is your loan guy, Ashley was super contactable in our processes to buying our first house, Ashley went above and beyond to make sure we got the best deal and worked well with our deadlines. Ashley is personable, super happy, attentive and over all a fantastic guy, it didn't even feel like talking to a broker it felt like talking to a friend. Ashley, we are so grateful we messaged you and where able to work with you

Chloe Ryan

We have had the pleasure dealing with Ash while buying our first home for our little family. To say that he has gone above and beyond really only scratches the surface. He was very prompt when working out our buying power to which he gave us 3 scenarios, all in a matter of a few hours that same day. From there on it was only a matter of time until we found our dream home. He really was only a phone call away if we had any worries. Extremely thorough when it came to signing all the documents which most of us just glaze over. Its been an absolute breeze and we cannot thank him enough.

Carly Pipe

Ashley made the process of refinancing our properties so simple! He is very approachable and helpful with any questions we had. Ashley has done a fantastic job with helping us achieve our financial goals! We highly recommend him to anyone who is looking for a trustworthy broker!!

Laura Anderson

Frequently Asked Questions

I want to upgrade to my next home, can you help?

If you've already earned equity, we can help you leverage this to secure finance to purchase your next home by leveraging equity and repayment history, preparing a compelling application and structuring your finance to suit your goals.

Can you help us build an investment property portfolio?

If you're wanting to climb the property ladder and you already own a home of your own, you may be able to leverage your equity to buy an investment. We do this by understanding your situation and goals, maximising borrowing power and cash flow and preparing a compelling application.

Do you help with home loan refinancing?

If you've had your current home loan for more than two yers, or your circumstances have changed, it may be time to review your loans. We help by assessing your situation and goals, scouring the market for suitable offers and preparing a compelling application.

Do you help first home buyers?

Buying a home of your own should feel exciting – which is why we streamline the process. We also make it easy for you to access government grants, take care of the paperwork and liaise with the lender on your behalf.

Can you help me get a better deal on my loan?

Getting a better deal doesn't always mean switching to another lender. We help by analysing your current loan structure, understanding what's available in the market and negotiating with your lender.

Can you help me get pre-approved for a Home Loan?

Loan pre-approvals are often system-generated, and if your situation isn't cookie cutter, you may get tripped up when it comes to the formal assessment of your home loan application. This is why we'll secure you a fully assessed pre-approval – to give you certainty.

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Contact

First Floor 5 Aquatic Place,
Park Avenue, QLD 4701

0478 776 585

Your Loan Guy Pty Ltd ABN: 53 673 688 830. Credit Representative #555805 is authorised under Australian Credit License #384704

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.