We're local. But we see the bigger picture too.
Trusted. Strategic. Forward focussed.
Get your Home Buyers Guide
What's your next property move?
I want to buy my first home
Buying your first home is an exciting but stressful milestone. We can guide you through the process and help you avoid the mortgage missteps that will cost you time, money and stress.
I’m thinking about refinancing
Don't get complacent with your mortgage. Refinancing to get a better deal might improve your cashflow today, and your borrowing capacity and equity in the future.
I’m self employed
We're small business owners too. So we understand that sometimes your situation doesn't fit the standard lending requirements. We can work with you to find the right lending solution to suit your unique situation and goals.
I’m investing in property
Looking for your first investment property or planning on building a portfolio for retirement? Our experienced Mortgage Mentors can help.
I want to renovate or build a new home
Whether you want to access equity in your property to renovate, are considering a house and land package or you are looking at a new build, construction finance can be tricky if you don't have the right guidance from the get-go.
I want to buy a holiday home
Whether its purely for fun and relaxation or you want to leverage the boom in demand for holiday rentals and short term accommodation, we can guide you with a solution that balances the lifestyle and investment opportunities.
Maximising your lending opportunites
Here's what you can expect
Whether you are just starting out in property or are a seasoned investor, navigating the home loan lending process can be confusing and time consuming. We use our knowledge and experience to provide a streamlined approach and give you the advantage. We offer straighforward, flexible home loan solutions that don't just fulfil your current goals, but look to the future as well.
Getting to know you
We need to understand your current financial situation so we can determine the most competitive and appropriate lending solution and strategy to help achieve your lifestye and property goals.
The Nitty Gritty
With your Mortgage Strategy in place, our team will coordinate with you to gather all the relevant documents and information we need to help you get a speedy and positive outcome from the lender.
Pre-approval
Getting pre-approval on your home loan means you can start looking for property or making plans. With the confidence of knowing that the lender has agreed in principle to lend you the money.
Unconditional approval
This is the green light that the lender has fully approved your loan with no conditions. It's not quite time to pop the champagne though, until settlement occurs.
Settlement
Phew, we made it. The final inspection has been conducted, the title has been transferred into your names, and you have the keys to your new home in your hot little hands. Happy days!
Mortgage Mentoring
When the dust settles, we are still here to guide you along your property journey. From smart strategies to help you pay down your loan quicker or to build equity for future goals and projects. We've only just begun.
What our clients are saying
I found Rob from Your Village Mortgage Brokers very easy to deal with. He has an excellent grasp of the home loan options available and his explanations were clear and he was very reassuring. I’d highly recommend Rob to anyone thinking of speaking to a mortgage broker.
Damien G
All the answers you need
How much does it cost to meet with Your Village Mortgage Brokers?
Nothing! We help you find the right lender for your home loan and they pay us a commission, which we’ll always tell you about.
There is no additional charge to you by us or by the lender for using a mortgage broker.
What is the difference between a mortgage broker and a bank?
The law requires Mortgage Brokers to work in your best interests. This is not the case for banks.
Banks and other lenders can only sell you their products. Whereas, a mortgage broker will scan the market, shop around various lenders and find you the home loan that best suits your individual circumstances.
After you take out your loan, we monitor your loan regularly, provide you with market updates and keep an eye out for a better deal, including a better interest rate. It is very unlikely that a bank would ever contact you directly with a better deal.
How do I decide what home loan type I need?
That’s our job! A home loans is a big decision and can be very confusing. We’ll talk to you to understand your financial situation, including what you own and what you owe, your goals and then match you to the home loan that suits you best.
We’ll talk you through the options and help you decide what’s right for you without the pressure of sales targets that drive many of the banks.
