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We’ve made getting finance easier. First of all, we want to make the process of getting finance as easy as possible. Remember, above all, we work for you and not the bank!
If you are looking for a Mortgage Broker / Home Loan Broker in Perth, we are an owner operated business based in North Perth. If you want experienced, tailored and thoughtful advice in obtaining a home loan, Orange Mortgage and Finance Brokers can help. Getting a home loan can be made easy with the right approach and advice.
You could definitely arrange a home loan yourself but why would you want to when you could get someone else to do it at no cost to you?
Our Online Mortgage Broking Process
We’ve made as much of our process online as we can, as a result, it means a quicker process for you.
Because not many people like sitting on hold on the bank’s customer support line or having to go to a branch a number of times, our job is to do all the research for you, speak to the bank (and yes this means sitting on hold), see if we can get the bank to improve on their interest rate, put in the application and see it all the way to settlement.
We’ll obviously keep you informed along the way via phone or email. Once settlement has occurred, some brokers think that is the end of the relationship but we like to think it is really the beginning. Specifically, we will try to make contact every 12 or so months to make sure you are still happy with your bank and your personal circumstances haven’t changed. Consequently, every two or three years, we’ll review your situation and make sure we can’t get you a better interest rate either with your currently lender or a new one.
New federal First Home Loan Deposit Scheme (FHLDS) – update November-2020 – First Home Buyer Finance
As part of the last election campaign, the federal government announced a new deposit scheme for first home buyers to help them purchase a home sooner. As a result, since 1-Jan-2020 only 2 lenders have been allocated units to the scheme but as of 1-Feb-2020, the scheme will be open to 27 lenders. Effectively, the federal government will be the LMI provider for Nil cost assuming first home buyers have at least 5% deposit. More information can be found here.
As of 2-November-2020 the government has released another 10,000 FHLDS units applicable to building and also increased the maximum total house and land price applicable. For WA this has been increased to $550,000 in Perth and $400,000 in regional WA. https://www.nhfic.gov.au/what-we-do/fhlds/property-price-thresholds/