A skilled mortgage broker offers far more than just securing a loan with competitive rates. While online searches might yield results for loan rates, they lack the expertise needed to navigate the best choices for you. Many people mistakenly focus solely on interest rates, overlooking the complexities of mortgages.

Beyond minimising costs and time, a broker delves into your specific situation, surveying all lenders nationwide for the optimal fit. They act in your best interests, orchestrating pre-approvals, negotiating rates, and guiding your application to formal approval and loan settlement.

Their commitment doesn't end there. A great broker regularly checks in post-settlement to ensure your loan aligns with your long-term goals. They assess if refinancing or adjusting the loan structure is necessary, recognising that loan structure holds equal or greater importance than purely the question of “fixed or variable rates”?. Connect with us to explore potential loan scenarios tailored to your needs.

Navigating through our panel of 45 lending institutions, each with its array of mortgage products, can feel overwhelming, especially when considering the application process. Our mortgage brokers prioritise our clients' interests, seeking the perfect lender and home loan fit.

They possess an in-depth understanding of home loans and the mortgage industry, including strategies to minimise fees like establishment fees and lenders mortgage insurance (LMI).

Our brokers offer expert guidance throughout the process, presenting loan options tailored to secure the best deal for your unique situation. They oversee the entire home loan journey, starting with assessment and pre-approval, steering towards formal approval and final loan settlement.

While interest rates matter, our brokers recognise that comparing mortgages involves more than just rates. They assist in choosing the right financial institution and skillfully negotiate mortgage terms on your behalf.

Beyond the loan amount and interest rates, our service covers various aspects such as lender fees, monthly repayments, and continuous support even after your home loan settles.

Our brokers ensure you're not limited to a handful of loan products offered by a single institution. They provide access to a wide spectrum of loan options across 45 lenders, a far-reaching advantage over a bank's limited suite of products.Choosing a bank branch might limit your options, as they often lack the range of products suitable for diverse loan scenarios. As your mortgage broker, our duty is to explore the vast array of offerings across all lending institutions, finding the perfect fit for your needs.

At Roar Capital, our process kicks off with an initial client assessment to determine your eligibility for a mortgage or loan, pinpointing the ideal loan type and lender that aligns with your specific situational needs, goals and objectives. Our thorough approach ensures a panel of all Australian lenders are considered in this assessment, providing you with complete transparency and ensuring you're placed in the most suitable loan.

Upon completion of the team's assessment, we present the top 5 options from our extensive panel of over 35 lenders. Your dedicated broker then not only offers recommendations but also equips you with the necessary information, empowering you to make an informed decision and select the perfect loan and lender for your needs.

As your mortgage broker we act in the best interests of all our clients and we are paid upfront fees by the lenders/banks of your choosing as our fee for the service we provide.

Some mortgage brokers will also charge upfront fees for advice to their clients. Roar Capital will only charge such fees for complex matters such as property purchases within companies/trust structures with multiple directors or home grant applications.

The answer to this question can vary. When it comes to purchasing property in Australia, it generally ranges anywhere between 5%-20%. Ideally the more you have the better it is. Aussie banks or lenders might charge you Lenders' Mortgage Insurance (LMI) or a low deposit premium if you have a smaller deposit, in order to protect themselves financially if you default or can't pay back your loan.

Ensure you have enough in savings to cover your purchasing costs like stamp duty (if applicable) and conveyancing. You can use one of our calcualtors to help you ascertain your monthly repayment commitments, depending on loan size.

In determining your borrowing capacity, banks or lenders assess various factors such as your total household income, existing credit commitments, monthly living expenses including transport and food, and any dependents.

Given the blend of employment types in many Australian households, most lenders take diverse employment types into account, each with their own unique parameters. For tailored guidance, we encourage you to connect with one of our brokers who can assist you comprehensively. If you're seeking initial guidance, you might find our mortgage calculators helpful as a starting point.

Your dedicated mortgage broker will give you expert advice around the best way to obtain/access a mortgage and which lender/loan is best suited to your goals & objectives.

Even if you aren't ready now, a Roar Capital mortgage broker will give you guidance around the best way to prepare for your mortgage application and which lender or lenders we should be aiming to access credit/money from.

A Roar Capital mortgage broker will always be upfront and honest with you, we will never place you in a loan/mortgage or lender that does not suit your current situation or future goals & objectives.

A Roar Capital mortgage broker will always act in the best interest or interests of our clients and never place them in a financial product that is not suited to their needs at the time of assessment.