Home Loans - Finance & Mortgage Broker in Perth, WA and nation-wide

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

5.0

from 21 Reviews

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

At Conscious Finance Co, we understand that buying a home is one of the most significant decisions you'll make. Whether you're in Perth or anywhere across Australia, accessing the right Home Loan options from banks and lenders can shape your financial journey. We are committed to helping you find the best solutions tailored to your unique needs, ensuring a smooth application process from start to finish.

When considering a Home Loan, understanding the various interest rates is essential. Fixed interest rate loans offer stability, providing peace of mind with consistent repayments over the loan term. On the other hand, variable home loan rates fluctuate with market changes, which can be beneficial if interest rates drop. Our experts will help you decide which option aligns with your financial situation and long-term goals. Additionally, we will guide you through the intricacies of interest rate discounts and how they can impact your overall loan amount.

Applying for a home loan can often feel overwhelming. It's important to have a clear understanding of your borrowing capacity and how it influences your Home Loan application. Factors like credit history and bank statements play a crucial role in determining this. A solid credit history can lead to more favourable terms and conditions, including lower interest rates. Our team will assist you in calculating home loan repayments to ensure they fit comfortably within your budget.

Another key aspect of the Home Loan process is understanding lenders mortgage insurance (LMI) and the loan to value ratio (LVR). LMI is typically required if your deposit is less than 20% of the property's value, protecting the lender in case of default. We'll help you explore strategies to reduce or avoid LMI, such as utilising home equity or an offset account. Understanding your LVR is vital, as it affects the interest rate and eligibility for specific Home Loan options.

Before you apply for a home loan, securing a Home Loan pre-approval is highly recommended. Pre-approval offers clarity on your borrowing capacity and strengthens your position when making an offer on a property. It also streamlines the application process, allowing you to move forward confidently in the property market. We’ll assist you every step of the way, ensuring that you have all necessary documents and information ready for submission.

Stamp duty is another consideration when buying a home, as it can significantly affect your upfront costs. Our team will help you understand how stamp duty applies in your state and explore any exemptions or concessions you may be eligible for.

In summary, Conscious Finance Co is dedicated to guiding you through accessing Home Loan options from banks and lenders across Australia. Whether you're deciding between a fixed interest rate home loan or exploring variable options, our expertise ensures you're well-informed. From assessing your credit history to understanding lender requirements and pre-approval benefits, we're here to support you throughout the entire process. Reach out today to discuss how we can assist with your Home Loan needs and take the first step towards owning your dream home.

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About Our Home Loans and How They Can Benefit You

Navigating your finances can sometimes feel overwhelming… whether it’s saving for your first home, buying your 3rd investment property, borrowing for business expansion or cover tax debt, or buying a property in your SMSF.

Over the past 25 years, I’ve helped countless people just like you to achieve their financial goals.

Regardless of where you are on your finance journey, I’m here to help.

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Our Recent Reviews

Using Mortgage Choice takes so much stress out of what product you need and what your best options are. Once you have decided they walk with you through the whole process which makes everything so much easier and less stressful. Michelle was excellent in providing us with professional and expert advice and assistance all the way through to settlement. We highly recommend Michelle and Mortgage Choice.

Sue McDonald

I recently had refinanced my mortgage and Mortage Choice in Kingsley have provided professionalism, timely responses, and steadfast support made the entire mortgage process seamless. Michelle exuded professionalism from the start, demonstrating in-depth knowledge of the mortgage industry. Her patient guidance through various mortgage options provided us a very clear picture making it easier what to choose. Michelle and Pascal have provided consistently timely responses. Whether addressing emails/phone calls or scheduling meetings at my convenience, they ensured the mortgage process proceeded efficiently, alleviating the typical stress associated. In addition to their responsiveness, Michelle and Pascal provided unwavering support throughout the journey. Beyond managing complex paperwork, they offered valuable insights and advice, turning what could be a daunting task into a positive and informed experience. I will definitely return and look no further.

Dario Romeo (DR)

Michelle and Stephanie were so helpful and approachable with any questions I had and shared their knowledge and experience which made the whole process seamless. They were a pleasure to deal with

De'arne Treacy

Michelle and Steph walked us so graciously through the processes of getting a home loan. I can highly recommend Mortgage Choice in Kingsley. ...

Shannon De Bari

Frequently Asked Questions

Can you help me to consolidate my debts? If so, what if they are a mix of personal and business debts?

We LOVE to see if we can help our clients save money and confusion by consolidating debts! It's one of our favorite things! And YES, we can look at consolidating or restructuring both personal and business debts......even tax debt!

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.

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.

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.

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.

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 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.

Contact

Perth, WA

0455 499 777

TMC ENTERPRISES (WA) PTY LTD ABN: 15 686 852 353. Credit Representative #488761 is authorised under Australian Credit License #384704

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.