Home Loans

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

5.0

from 259 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.

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

An excellent experience dealing with Craig and his team. Everything has been laid out so easy for us and they have helped us every step of the way. Craig has also been super flexible in regards to setting up meetings to discuss next steps. We will definitely work with Craig for years to come.

Jonathon Mahon

Extremely easy process with Craig and the team! We’ve just bought our first home and have been super confident throughout the process that we are stepping into the right direction.

Lilly Watts

Craig was incredibly helpful and attentive in his work done in my property journey. It’s feels like a potentially overwhelming process getting into property as a first home buyer. But Craig gave his time generously to ensure I understood everything and empowered me to not only get a first property but a 2nd in quick succession. I was very grateful to have wagstaff finance in my corner.

Isaiah Mathews

I honestly don’t think there are enough words to explain how grateful I am for Tempany at Wagstaff Finance. This wasn’t just another finance application for us, it meant being able to move forward with our renovations, get on top of things financially and finally feel like we could breathe again. Tempany understood how important it was to us from the very beginning and treated it with the same determination as if it were her own. What I love most about Tempany is that she genuinely cares. She doesn’t just lodge paperwork and hope for the best — she fights for her clients, looks at every possible option and refuses to give up when things get difficult. At times when we were stressed and unsure whether everything would come together, she was the person reassuring us, keeping us updated and doing absolutely everything she could behind the scenes. Tempany, thank you for the hours, the effort, the phone calls, the reassurance and for genuinely caring about the outcome for our family. You went so far above and beyond what we ever expected from a broker. If anyone is looking for someone who is knowledgeable, hardworking, honest and will genuinely fight to get the best possible outcome for you, Tempany is your girl. I would recommend her a thousand times over. Five stars doesn’t even feel like enough. ⭐️⭐️⭐️⭐️⭐️

Tali Pratt

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.