One appointment gives you access to over 100 different home loans.
There are so many things to think about when deciding on a home loan. Cairns Home Loans offers a free, no obligation, comprehensive mortgage broking service. We help you compare hundreds of loans & find a great home loan that’s right for you and given that the average life of a home loan is over 20 years, it’s important that you have a professional looking after your interests. There are many different reasons for calling us including consolidating other debt, buying a new home, building a home, investment lending, first home buyers and the list goes on. If you want a professional mortgage broker in Cairns who has your best interests at heart, call us today.
Easy – We do all the hard work for you
Quick – Compare hundreds of home loans in just minutes
Free – There is no charge for our service
Comprehensive – Compare a large number of lenders including the major banks
Detailed – We look at all the features of a loan, not just the rate before recommending the right loan
Personal – Each person has different needs when it comes to lending and we tailor loans to your personal profile
Professional – We only work with fully trained and accredited expert brokers to ensure a high level of professionalism
We help first home buyers with all aspects of the home loan process. Buying a property is the biggest financial investment most people make in their lifetime which is why the professionals at Cairns Home Loans are so important.
In a competitive property market, Government sponsored grants and initiatives are the foot in the door that help many, but these grants and schemes come and go, and their eligibility requirements can change.
Up To Date Information
Higher Chance of Being Accepted
First Home Loan Deposit Scheme
First Home Super Saver Scheme
We Take You Through The Home Loan Process.
In a competitive property market Government sponsored grants and initiatives are the foot in the door that help many, but these grants and schemes come and go, and their eligibility requirements can change. We have all the up to date information which can help make the difference between getting finance and being rejected.
Over 40 Lenders Competing For Your Business In One Phone Call
There are many different reasons for calling us including refinancing, buying a new home, building a home,
investment lending, first home buyers and the list goes on.
If you want a professional who has your best interests at heart call us today. Our mortgage brokers are industry leaders.
Locally owned by a true industry professionals, take advantage of our 26 years experience by calling today. Our clients come first as we are 100% independent. We make sure your best interests are kept front of mind. Cairns Home Loans are 100% unbiased and our service is free.
There are many different reason for calling us including consolidating other debt, buying a new home, building a home, investment lending, first home buyers and the list goes on. If you want a professional who has your best interests at heart call us today. One appointment is all it take to access over 100 different loans. Book your appointment today.
Home Loan Steps
Pre-approval or Conditional Approval: Advises your loan is approved subject to certain conditions e.g. finding a property. The conditional approval usually lasts for about three months and should not cost you anything.
Valuation: The lender will conduct a valuation on the property you have chosen to show its market value and ensure they are lending within their guidelines.
Unconditional Approval: Granted when all the conditions of the loan have been met, and all costs are determined such as establishment fees, stamp duty, and lenders and solicitors fees.
Letter of Offer: Outlines the terms, conditions and costs of the loan. Get your solicitor to review the Letter of Offer and if okay, sign it and send it back to the lender so their solicitors can proceed to settlement. Once signed, it becomes the credit contract.
Mortgage Documents: Sent with the Letter of Offer, they outline the agreement between the lender, borrower and the Office of State Revenue. The details of the mortgage are recorded on the Certificate of Title along with the name of the borrower/owner and the mortgage lender. This process will be managed between the lender and your solicitor.
Settlement: Settlement occurs when the loan funds are drawn down to pay for the remainder of the property and the relevant costs. The date of settlement will be managed between the lender and your lawyers.
Celebration: Arrange to get the keys from the real estate agent and open the champagne!