Home Loans - Your local Mortgage Broker

Home Loans

We're Mortgage Brokers helping clients get into their home sooner with a range of Home Loan options

5.0

from 204 Reviews

Whether it's your First Home, Next Home or Dream Home, we're on your side

At Wagstaff Finance, we understand that buying a home is one of life's most significant milestones. Whether you're in Brisbane, Toowoomba, or anywhere in Queensland, securing the right Home Loan is essential. Our expert team is dedicated to helping you access Home Loan options from banks and lenders across Australia. We aim to make the process of applying for a home loan as straightforward as possible, ensuring you find a solution that fits your financial situation and long-term goals.

When considering Home Loan options, several factors come into play. Your credit history is pivotal in determining your borrowing capacity and the interest rate you may receive. A favourable credit history often leads to interest rate discounts, making your Home Loan more affordable over time. It's also important to consider the loan amount you need and whether you might be required to pay lenders mortgage insurance (LMI). LMI is typically required when your loan to value ratio (LVR) is higher than 80%, offering protection to the lender in case of loan default.

Understanding the types of interest rates available can help you make an informed decision. You might choose a fixed interest rate home loan, which provides stability with consistent repayments over an agreed period. Alternatively, a variable home loan rate can be appealing if you're looking for flexibility, as these rates can fluctuate with market conditions. Calculating home loan repayments for both options will give you a clear picture of what to expect financially. Our team can assist in evaluating whether a fixed or variable interest rate best suits your needs and goals.

Stamp duty and other costs associated with buying a home should also be considered. These can significantly impact your overall expenses. Therefore, it's crucial to factor them into your Home Loan application to ensure you can manage all financial obligations comfortably. Our streamlined application process is designed to make it easier for you to apply for a home loan without unnecessary stress. From gathering bank statements to understanding the nuances of the property market, we offer guidance every step of the way.

Securing a Home Loan pre-approval can provide peace of mind as you search for your dream home. This pre-approval signifies that you meet the lender's requirements, allowing you to shop with confidence and potentially negotiate better terms. Once pre-approved, an offset account can be a valuable tool in reducing your home loan interest rate by offsetting the balance against your savings, thereby decreasing the amount of interest payable over the life of the loan.

In summary, accessing the right Home Loan options involves careful consideration of various elements such as interest rates, LVR, and additional costs like stamp duty. At Wagstaff Finance, our goal is to support you through each stage of applying for a home loan. Whether you're new to the property market or looking to tap into home equity, our professional team is here to help you get pre-approved and choose the best loan for your circumstances. Take the first step towards owning your home by contacting us today to discuss your needs and explore our tailored Home Loan solutions.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Get your Borrowing Capacity

Our Home Loan Process

1. Initial Meeting

We’ll talk about your goals and what you want to do. We will explore how it all works - how much funding is required, how borrowing capacity works, and some of the loan features that may be important to you.

2. Document Verification

You will receive a link to our online portal so you can easily provide us your information. We will also request the documents we need to verify your income, assets and other financial information.

3. Research & Advice Meeting

We’ll review credit policies, negotiate rates with lenders and come back to you with the analysis. During our Advice Meeting, we will talk through the options, our recommendation and the next steps.

4. Game Plan Presentation

You’ll be presented with a personalised Game Plan with tailored solutions and recommendations to meet your goals and objectives.

5. Lodge your Application and Prepare for Signing

We’ll prepare the application with the chosen lender to package, sign and lodge your documents – and do the legwork to get the loan approved.

6. Approval Moment

Congratulations! This is what we live for. We’ll let you know that everything has gone smoothly with your loan so you can pop the champagne. We will organise the signing of documents and next steps.

7. Settlement Day

This is the moment when everything goes through and your funds are released, or you are the proud owner of a new home. We’ll be there for you during and after the settlement process to ensure everything is set up the way it should be.

8. Together for the Long Haul

We stay in touch regularly and are there to answer any questions you may have, and review your loan to ensure it still meets your requirements and is competitive.

Need help trying to decide if you should buy or sell first?

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Our Recent Reviews

Seamless process, Craig and all the team at Wagstaff finance were very accommodating and made our first home purchase a breeze.

Eli Baak

Craig and the Wagstaff team are fabulous! They have always been our go to for any lending matters. Nothing is ever a hassle, they always get everything over the line with the best service along the way.

Rachel Huth

Simply the best Broker. First appointment he gather all the required information that’s needed. Called him or email him any day of the week and he would answer or call back. Very professional and easy to talk with. Would highly recommend to anyone. Thanks Craig and team

Atunaisa

Couldn’t be happier with our experience. Craig was very knowledgeable, friendly and kept us updated through the whole process. I have, and will continue to recommend Craig and his team to family and friends.

Jackie Perren

Frequently Asked Questions

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Request a Call Back

Name

Phone Number

Email Address

Contact

3 Clunies Ross Court, Eight Mile Plains QLD 4113 & Suite 4/445 Ruthven St, Toowoomba City QLD 4350

07 2113 2288

Wagstaff Finance Pty Ltd ABN: 63 114 862 903. Credit Representative #399312 is authorised under Australian Credit License #517192

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.