A mortgage broker simplifies the process of choosing the right lender for your financial needs and goals. With years of experience, our brokers understand lending requirements, the unique niches of each lender, and how to navigate complex bank policies. We compare multiple banks and lenders, negotiate on your behalf, and present tailored options that go beyond just the lowest rate.

Our goal is to save you time, money, and stress while securing the best loan for your situation.

We are committed to secure the best possible deal for our clients, but the cheapest rate isn’t always the best fit for your individual needs. While a quick Google search yields no less than a dozen of low-rate options, they often overlook essential factors like fees, flexibility, and loan features.

The key is finding a competitive rate combined with features that align with your financial goals, whether that’s offset accounts, redraw facilities, or repayment flexibility.

At E2E Finance, we compare multiple lenders and negotiate on your behalf to secure a tailored solution that balances rate and features.

Besides the deposit, there are several upfront costs to consider when buying a new property. Understanding these will help you budget effectively and avoid surprises. Common costs include:

• Stamp duty
• Legal/Conveyancing fees
• Loan application & bank fees (e.g., LMI, valuation fee, settlement fee)
• Building & pest inspection reports
• Insurance
• Utility connection fees
• Moving and storage costs

At E2E Finance, we can help you estimate these costs based on the type of property, location, and other factors.

Pre-approval (also called conditional approval or approval in principle) is a lender’s indication of how much they are willing to lend you before you make an offer or attending auction. While not a full loan approval, it gives you clarity on your borrowing power and helps you search within your budget.

Pre-approval is a crucial first step when starting your property search, offering several key benefits:

• Set a clear budget and focus your property search.
• Strengthen your offer when dealing with real estate agents and sellers.
• Bid confidently at auctions, knowing your borrowing limit.
• Speed up the process from offer to settlement.

Pre-approval is typically valid for 90 days, but we can help applying for an extension to keep you on the market.

Not all pre-approvals are equal. Some lenders offer unreliable pre-approvals without proper credit checks and assessment, which can lead to surprise later in the process. We know which lenders provide strong pre-approvals and can guide you accordingly.

Fixed Rate: Locks in your interest rate for a set period (usually 1–5 years), ensuring predictable repayments and protection from interest rate rises. Ideal for borrowers who prefer stability.

Variable Rate: Moves up or down based on market changes and RBA decisions. This offers flexibility, including the ability to make extra repayments, redraw facility and benefit from rate drops, but also carries the risk of increased repayments if rates rise.

Split loan: Best from both worlds, combines both fixed and variable rates. Part of your loan is locked in at a fixed rate for stability, while the other part remains variable, giving you flexibility and the potential to benefit from rate drops.

Choosing the right home loan depends on your financial goals, risk tolerance, and whether you value stability or flexibility.

Principal & Interest: You pay off both the amount borrowed (the principal) and the interest. This is the most common repayment type for owner-occupiers as it reduces your loan balance over time, builds equity faster, and minimise interest paid over the life of the loan.

Interest Only: You pay only the interest for a set period (usually 1–5 years), without reducing the loan principal. This is often used by investors looking to maximise cash flow or leverage tax benefits. After the interest-only period ends, repayments increase to start paying down the principal.

An offset account is a transaction account linked to your home loan that reduces the interest you pay by offsetting your loan balance. Instead of earning interest, the money in your offset account reduces the amount your lender charges interest on. For example, if you have a $500,000 loan and $50,000 in your offset account, interest is calculated on $450,000.

This allows you to save on interest, pay off your mortgage faster, and still have easy access to your funds.

Can I have multiple offset accounts?

Not all banks offer multiple offset accounts, but your broker can help. We know which lenders provide this feature and can factor it into the lender selection process.

Lenders Mortgage Insurance (LMI) is a onetime fee that protects the lender (not the borrower) if you default on your home loan. It’s typically required when your deposit is less than 20% of the property’s value, meaning you’re borrowing more than 80% of the loan-to-value ratio (LVR).

While LMI allows you to buy a home with a smaller deposit, it can be costly, often running into thousands of dollars.

How can I avoid LMI?

Our brokers can help you explore options to avoid LMI even with a deposit as low as 5%. This can include professional packages for eligible occupations (doctors, lawyers, engineers, etc.), family guarantor loans, or government schemes designed to help First Home Buyers.

Refinancing your home loan can help you reduce your interest rate, lower monthly repayments, and consolidate other debts like personal loans or credit cards into your mortgage. This can simplify your finances, make debt management easier, and potentially help you pay off your home loan faster. Even a small reduction in your interest rate can lead to significant long term savings.

Refinancing also provides an opportunity to unlock equity in your property, which can be used for renovations, investments, or other major expenses. Additionally, it allows you to switch to a loan with features better suited to your current needs, such as offset accounts, redraw facilities, or more flexible repayment options.

The refinancing process is straightforward, especially if you’re on a variable loan and our brokers handle all the paperwork to make it seamless. As part of our ongoing service, we review our clients’ home loans every 12 months to ensure they remain competitive and continue to align with market rates.

If your bank won’t lend you the full amount you need, don’t stress. There are alternatives. Every lender has different policies and assessment methods, so what doesn’t work with one bank might be achievable with another.

At E2E Finance, we partner with a wide range of lenders, including non-major banks, non-bank lenders, and specialist lenders, to find a solution that suits your needs. We also explore strategies to increase your borrowing power, such as paying down debts, consolidating loans, or restructuring income (especially for self-employed borrowers).

If traditional lenders are too restrictive, we can look at alternative lending options that offer more flexibility for complex income structures or unique property types.

A guarantor is someone who agrees to take responsibility for a loan if the primary borrower or entity cannot meet repayments. Having a guarantor can help you secure a home loan with a smaller deposit or avoid Lenders Mortgage Insurance (LMI).

• Family Guarantor: Often used by First Home Buyers, a parent or close relative uses the equity in their property to guarantee part of the loan. This can boost borrowing capacity, reduce upfront costs, and avoid LMI. The guarantor’s liability usually only covers the guaranteed portion, and it can be removed once enough equity is built in the new property or the guaranteed portion is paid off.
• Director Guarantor: In business or investment lending, a company director can personally guarantee a loan taken out under a company or trust structure. This provides the lender with additional security but also means the director becomes personally liable for the loan if the company defaults.

Our brokers can guide you through the pros, cons, and risks of using a guarantor and help structure the loan to protect both the borrower and guarantor while aligning with your long term financial goals.

Bridging finance is a short-term loan that helps you buy a new property before selling your existing one. If there is sufficient equity, it “bridges the gap” by providing the funds needed to secure the new home without waiting for the sale of your current property.

You can potentially borrow the full purchase price of the new property plus additional purchase costs and during the bridging period, most lenders require interest-only repayments. The full loan is repaid once your existing property is sold.

While bridging loans offer flexibility, they often come with higher interest rates and specific conditions, so it’s important to discuss with our brokers and carefully plan your strategy.

Yes, absolutely!

While being self-employed can make the mortgage process more complex, it doesn’t prevent you from securing a loan. Lenders often require more documentation to verify income stability and business profitability, but the right strategy can make all the difference.

Lender policies vary, some are stricter on business history or assess income differently than others. That’s where our brokers come in. We know which lenders are self-employed friendly and can tailor your application to increase your chances of approval.

Our brokers have extensive experience in helping self-employed clients secure home loans. We understand the complexities that come with running a business and aim to make the process as smooth and stress free as possible so you can focus on your business while we take care of your loan.

Yes, you can secure finance under a trust or company structure to invest in property. Many lenders offer tailored loan options for these entities, though the process is more complex than standard personal lending.

Lenders typically require additional documentation, such as the trust deed, company constitution, and financial statements, and often request personal guarantees from directors or beneficiaries. Loan terms may also differ, with stricter conditions or higher interest rates.

At E2E Finance, we specialised in helping investors navigate the complexities of trust or company lending. We can work alongside your accountant and legal team to tailor a lending solution that aligns with your investment goals or collaborate with our network of certified business partners for a streamlined, holistic solution.

Yes, absolutely!

A loan rejection doesn’t mean the end of the road. Different lenders have different policies, risk appetites, and criteria. While one bank may say no, another might say yes, especially with the right strategy.

At E2E Finance, we take the time to understand why your application was declined, whether it’s due to credit history, income structure, or debt levels and create a tailored plan to strengthen your application. Our extensive panel of lenders, including major banks, non-bank lenders, and specialist lenders ensures we can match you with the right fit.

We also offer guidance on improving your borrowing profile and restructuring your finances to boost your approval chances. Our goal is to work with you to find a solution that helps you achieve your financial goals, even if the first attempt didn’t go as planned.