Mortgage Broker in Tuggeranong, ACT 2900

Looking for a Mortgage Broker in Tuggeranong, ACT 2900? We're here to help

Welcome to True North Mortgage Brokers, your trusted partner in navigating the home loan landscape in Tuggeranong, ACT. We understand that buying a home is a significant milestone in your life, and with a myriad of options, it can be challenging to find the perfect fit. That’s where we come in. Our experienced team is dedicated to helping you access loan options from banks and lenders across Australia. Whether you're a first-time buyer or looking to invest, we simplify the entire process, ensuring you benefit from competitive interest rates and terms tailored to your financial situation.

As a leading mortgage broker, our primary goal is to provide you with a comprehensive range of loan options. With access to numerous banks and lenders, we assist in securing the best loan to value ratio (LVR), reducing the need for lenders mortgage insurance (LMI) wherever possible. We work to ensure you not only meet your loan amount requirements but also receive interest rate discounts you might not find elsewhere. Whether you’re comparing a variable interest rate and a fixed interest rate, our expertise helps you understand the implications on your total loan repayment, empowering you to make well-informed decisions.

Understanding your borrowing capacity is crucial when applying for a loan. We guide you through the loan application process, assessing your credit history, bank statements, and calculating loan repayments. With our streamlined application process, obtaining a loan pre-approval becomes a straightforward step, giving you the confidence to explore the local property market with a clear budget in mind. Choosing True North Mortgage Brokers means a smoother journey from the outset, with transparency and support at every turn.

In Tuggeranong, the local property market is dynamic, and securing the right home loan can make all the difference in capitalising on opportunities. We offer guidance on applying for a loan, including understanding the role of stamp duty and how it affects your purchasing power. Our tailored advice helps you weigh the benefits of home loans versus investment loans. Additionally, we discuss potential advantages like offset accounts, which can reduce your overall interest payable, ultimately maximising your home equity.

Whether it's a fixed interest rate loan or variable loan rates you’re considering, we take the time to explain the benefits and potential drawbacks. We prioritise your understanding of each option, ensuring you select a product that aligns with your future plans.

At True North Mortgage Brokers, we are committed to making the home buying journey in Tuggeranong seamless and stress-free. Through our extensive network, industry insights, and dedication to your financial wellbeing, we provide unparalleled support from the first enquiry to the final signing. So, whether you're ready to apply for a loan or simply need guidance on your options, our team is here to help you get pre-approved and on the path to owning your dream home. Reach out today to discover how we can assist you in achieving your property goals with confidence and ease.

Getting a Home Loan with your Mortgage Broker in Tuggeranong

Initial Appointment

Begin by having a chat with one of our qualified Mortgage Brokers. We will take the time to understand your situation, including special policies and schemes you may be eligible for. We will also discuss the Home Loan types and loan options from banks and lenders across Australia, guiding you through the next steps of the application process.

Fact-Finding

We will collaborate with you to gain a comprehensive understanding of your financial situation, including your financials, assets, and credit history. This helps determine your borrowing capacity. We will review your bank statements and other relevant documents to provide accurate advice.

Home Loan Application and Approval

When we have determined your borrowing capacity, you can confidently begin bidding or making offers on properties you wish to purchase. Depending on your circumstances, we may also apply for loan pre-approval to give you a higher level of confidence. We will explain the loan amount, interest rates (both variable and fixed), and potential interest rate discounts. We also discuss the importance of the loan to value ratio (LVR) and if lenders mortgage insurance (LMI) may be required.

When you have located a property to purchase, we will apply for formal loan approval for you. This process will involve a valuation of the property if requested by the lender and you will also need to provide up to date financial information including current income documents.

Loan Settlement

Upon settling on the property, your Home Loan will be drawn down, and you will be all set to move forward. We will help you navigate the settlement process. We will also assist in calculating Home Loan repayments and managing your loan interest rate to suit your needs.

On-going service

Your experience with True North doesn’t end when your loan settles. We are here to support you and provide guidance for all stages of your Home Loan journey. We will help you reach your next goal of upgrading your home, accessing equity in your property or adding to your investment portfolio. We review your Home Loan annually to ensure it still suits your needs and to make sure no opportunities are missed to save you money on fees or interest rate.

Mortgage Broker in Tuggeranong, ACT 2900

Tuggeranong Mortgage Brokers

True North Mortgage Solutions offer a personally tailored service to find locals in Tuggeranong the right value loan based on your objectives. Principal Mortgage Broker David Gawthrop has worked in the finance industry for over 29 years with over 16 of those spent as a broker. It's our goal to make sure finding the most competitive loan for your new home, startup business or renovation is as easy and painless as possible.

We don’t charge a fee for our service to you, we are paid a commission by whichever lender you take out a loan with and that commission does not affect the rate and fees you pay on your loan. We will often get you a better rate than if you deal with your bank directly.

Reach out to your friendly Mortgage Brokers servicing Tuggeranong and the surrounding suburbs.

Book Appointment

Our Latest Reviews

Kerry Holmes

The True North Mortgage Solutions team of David, Simone and Lachlan were outstanding. They were patient, easy to work with, responsive, provided timely advice and were totally professional in all my dealings with them. It was all topped off by a thoughtful thank you gift delivered to my home the day after settlement on the new property. I could not fault any aspect of their service and would highly recommend them.

Josh Staples

David, Simone and Lachlan were fantastic through the process of getting my first home loan sorted. David was great at explaining all of the steps involved and provided plenty of confidence with such a big decision. Simone made the paperwork ...

andre menager

Very professional and helpful. I couldn't have done it without David and the team! thank you all very much!

Schae Zarew

I can't recommend True North enough after our experience with purchasing our first home with them!

Stu Manley

David Gawthrop helped us buy our first home 5 years ago. With our fixed rate coming to an end we contacted him again at his new business. He managed to negotiate a new rate for us that was more than 1% lower than we were currently paying. I would have no hesitation in recommending David’s services to anyone. He is knowledgeable, friendly and his communication was brilliant, we were never left in the dark as to what was happening.

Vashti Fox

David is an absolute pleasure to work with and went above and beyond to help me get my home loan (at an excellent interest rate!). He made the whole process so much easier and I can't recommend him highly enough.

We work with Australia's biggest lenders

Frequently Asked Questions

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.

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 & 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 most competitive interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

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.