Choosing the right mortgage broker is sometimes the most important step in your home loan journey as not all mortgage brokers are created equal. We have had countless clients who have come to Gateway Finance after being told no from banks or other mortgage brokers. Often this comes down to a lack of experience or aptitude for deciphering what institution (bank) is best for a situation.
We were recently mentioned in a Domain article where we helped one of our wonderful clients achieve what other mortgage firms had said was impossible. We literally helped make a single income earner and her mother’s dream come true!
For my sister, Jasmine Skewes, and our mum, Patricia Skewes, buying a home was never just about property - it was about securing a future. As a single-income earner and a widowed single mother, respectively, home ownership once felt out of reach. However, with grit and determination, they made it happen, purchasing their own piece of the Australian dream.
Saving for a deposit took about two years. When the First Home Guarantee (FHBG) scheme expanded in July 2023 to include family members applying together, they were able to buy with just a 5 per cent deposit and no LMI.
"We started with a mortgage broker, but after one meeting, it was clear they weren't optimistic... A big shoutout to Mel Taylor of Gateway Finance who guided us through the process and secured our pre-approval!"
The amount you can borrow depends on income, expenses, credit history, and property value.
Fixed or variable options determine the interest you'll pay on your principal balance.
Deposits under 20% generally require LMI unless accessible via government guarantee schemes.
Standard loan terms in Australia span 25 to 30 years for manageable regular repayments.
Buying a home or refinancing is a big decision, whether you are a first-home buyer, a family upgrading, or an investor. The right guidance can save you time, stress, and money.
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Buying your first place, refinancing to a sharper rate, or adding an investment property is a big move. If you are weighing up why to use a mortgage broker in Newcastle for your next home loan, the answer comes down to three things: wider choice, clearer guidance, and a smoother path to approval.
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Finding the right home loan should feel empowering. Choosing a mortgage broker on the Gold Coast for better loan outcomes can save time, reduce stress, and often secure sharper rates.
Read Full ArticleSpeak to our qualified mortgage brokers at Gateway Finance today for tailored advice and an obligation-free strategy session.
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