Why use us as a mortgage broker when looking for finance?
A mortgage broker is someone who shops around for the home loan that’s right for you. Whether you’re in the market for your first home or building a portfolio of investment properties, we have access to hundreds of loans from a host of Australia’s leading lenders.
When should you see us and what can you expect?
You can see us at any stage in your financial journey. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you’re still getting the right deal with your existing lender. You can make an obligation-free appointment with us at a time and place that suits you.
We work for you
We will ask about your financial circumstances and objectives to find out what’s important to you in a home loan. For example, flexibility might be important because you plan to start a family or you may want ready access to equity for a rental property or renovations.
We do the hard work for you.
Whatever your plans, we will research the market and recommend the right home loan to suit your needs. We always look for the right loan for you, not the lender.We make sure you get the right home loan for your circumstances and will manage the process from start to finish.
Our Core values
We are always flexible enough to cover all of your financial needs, whichever those might be. Regardless of whether you’re about to make a first-time home purchase or are trying to refinance your current loan, we’re here to help you!
We understand that financial situations, credit scores, and other financially-related things can vary… That is why we employ a flexible, person-centric approach to each individual client who comes for our fiscal help…
With so many mortgages and loans featuring interest rates that are just outright bad, we’re here to level the field. Thanks to our refinancing and home equity loan programs you’ll be able to take back the control of your finances!
We are professionals, all our mortgage brokers have at least 10 years industry experience and our in-house credit and wealth planning means we don’t just give you a loan but help guide you to build a life of abundance!
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Meet the Team
Finance Strategist & Director
Albert is extremely experienced in the finance industry with over 14 years experience. The last seven of these involving clients with complicated structures and sophisticated investors. He has a passion for ensuring clients build a property portfolio that can be grown as quickly and safely as possible.
Finance Strategist & Director
Rebecca is extremely experienced in the finance industry with various roles over the last 20 years. She has a passion for customer satisfaction and ensuring clients expectations are met. Rebecca is the main mortgage broker at Gordon..
She works closely with all our brokers with chasing the Banks and Lenders
Marcus is our newest member of the team and assits with general offcie duties
Q: What's a mortgage and why should I get it here?
A: A mortgage is basically a simple loan that allows you to buy a home or other property by securing the loan against the property you buy. You can read more about our taking a mortgage with us works by visiting our services page.
You can apply for a mortgage from a bank or other financial institution, such as a credit union, building society or specialist mortgage Borrower. We’re a credit union and a special financial institution. Although you can apply directly, using the advice of our independent mortgage specialists might help you find the deal that will be most beneficial for your money interests!
Q: What types of mortgages are there?
A: There are many different kinds of mortgage to choose from. All of them have varying features and benefits. Some of the more common types include:
- Standard variable rate (SVR) mortgages
- Fixed interest rate mortgages
- Tracker rate mortgages
Q: How much can I borrow for a mortgage?
A: This depends on a number of factors. Still, Borrowers are typically prepared to lend three times your salary or two-and-a-half times a joint salary.
They will also consider things such as any other source of income from a second job that you’ll prove to them, bonuses, tax credits, and maintenance payments and since lending rules were tightened, they also increasingly investigate borrowers’ ability to repay.
This means looking at your credit history and scoring it, just as well as on your monthly outgoings, examining not just how much you spend but what you spend it on, to help assess your ability to manage should interest rates rise.
Some providers will now offer four-and-a-half times your annual income – but the more you borrow in relation to your income, the more likely you are to fail MMR checks and to have your application to be declined.
Q: How much of a deposit do I need for a mortgage?
A: This will depend on your financial standing, the price of the property and your credit history…
Whilst ‘100% mortgages’ – where you can borrow 100% of the property’s value – have now almost entirely disappeared, it’s still possible to get a 95% mortgage, where you pay a deposit of 5% of the property’s value.
But many Borrowers ask for a 10% deposit or more, and many tend to save the best rates for borrowers with a deposit of 25%.
We review and accept business requests on a 24/7 basis.
Contact us now…
Tips for Home Buyers
We understand all the ups and downs of the home buying process. That means that we will supply you with as many tips on mortgages as possible!