Because it's more than just a mortgage
Streamlined Guidance for Strategic Outcomes
In a world of complex financial jargon and overwhelming mortgage options, we believe that everyone should have the opportunity to take control of their home loan finances. Our mission is clear: to provide you with expert guidance that streamlines the process and empowers you to make informed decisions. Decisions that not only get you the loan you need today, but help propel you towards your financial, property, and lifestyle goals for the future.
Rob is hoping to be your trusted coach to guide you through the process of finding the right home loan for your needs. With over 10 years of experience in the banking and finance industry, Rob has the expertise and knowledge to help you achieve your financial goals. Whether you are buying your first home, upgrading to a bigger one, building or extending your home or simply investing in property, Rob can help you find the best deal from many different lenders.
With a strong background in both finance and property, Rob also holds a Bachelor of Commerce, a Graduate Diploma in Applied Finance & Investment, a Diploma of Mortgage Broking, as well as an Advanced Diploma in Building Design. He worked with National Australia Bank for over 10 years, where he developed his skills in lending and customer service. He also ran his own property development and design company, which provided him with a good understanding of property and the local market.
Rob is not only a professional, but also a local. He lives in Yarraville with his partner and their young son, and he is actively involved in the community. He loves attending the local kids’ footy games, basketball games and other school activities. He has insights into the needs and preferences of local people, and he can help you find the right home loan to match your lifestyle and your financial goals.
Rob is passionate about helping his clients achieve their dreams of home ownership. He will take the time to listen to your needs, understand your situation and find a solution that suits you. He will also demystify the complexities of home loans, and help you to avoid any pitfalls that might slow you down. Rob will be with you every step of the way, from the initial consultation to the settlement and will monitor your loan after it’s in place.
If you are looking for a mortgage broker who can offer you more than just a loan, contact Rob today. He would love to meet you and help find the right home loan to help set you up for your financial future.
Tailored Solutions for Your Needs
At Your Village Mortgage Broker, we recognise that every first home buyer has unique requirements and concerns. Our approach is personalised to your specific circumstances and goals.
- Concerned about your credit score?
- Uncertain about how much deposit you need?
- Not sure how much Stamp Duty will be?
- Wondering what lenders mortgage insurance is and how much you might need to pay?
- Curious about the First Home Buyers Grant?
We have the expertise to provide you with informed guidance that has your best interests at heart every step of the way.
Our Commitmen
Budgeting wisely
We'll help you determine a realistic budget that considers not only the property price but also ongoing expenses like maintenance, utilities, and council rates as well as your current lifestyle. It’s important you can manage your mortgage repayments without them causing you stress when you move in.
Loan options
Navigating through the myriad of home loan options can be confusing. We'll break down the differences between fixed and variable rates, repayment terms, and eligibility criteria to find the best fit for you. This process means we not only get you into the right loan, but also maximise the chance of a successful outcome (approval from the lender) as we focus on mortgage solutions, not mortgage products.
Government Support
There are various grants and schemes available for first home buyers in Victoria. We'll guide you through the application process and ensure you're maximizing the benefits.
Location insights
Choosing the right location is crucial. We'll provide insights into different neighborhoods, their growth potential, and proximity to amenities.
The Your Village Mortgage Broker Difference
Buying your first home is a significant financial commitment, and there are many potential pitfalls along the way.
Our experienced team will be by your side to help you avoid common mortgage mistakes and take advantage of every possible opportunity.
From understanding the intricacies of home loan options and the pros and cons of each for you, to ensuring you can afford your loan and assisting you in evaluating properties, we ensure that you’re equipped with the tools and insights to make the right choices.
Make your mortgage work for you.
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
