Book A Call And Put Us To Work Against The Banks
Book a call via the calendar below
What We Will Cover In Our Call
What type of loan is best suited to your situation
Which lenders we would recommend for you
What you will be able to borrow currently
The market value of your current properties
The next steps to get your home loan approved
Hear from clients who have financed the runestone way
What People Are Saying
Patrick and his team have done an excellent job for us. They have handled our business extremely well. Always available to answer questions or concerns without any hassle. Thoroughly Recommended
Patrick made my first home buying experience so much easier to navigate. He was super responsive, transparent, detailed and really took the time to break down everything in simple terms. Can’t recommend him enough! Thanks Patrick!!
I recently bought my second property through Patrick and I can’t recommend him enough. He made the process smooth and stress-free. I was always kept well-informed and Patrick worked really hard to get me the best deal. I even recommended him to my parents and he managed to get them a better mortgage rate too!
Pat & Stacey were fantastic to work with! The entire mortgage process was smooth and stress-free. They were always communicative, keeping me updated every step of the way. Highly recommend them!
We had a great experience with Pat and his team who were professional, knowledgeable, and easy to deal with. We couldn’t recommend them highly enough to others.
Patrick is one of the best, if not the best mortgage brokers in Australia. He is very smart, innovative and tapped into an extensive network of financiers. Patrick is the go to person for mortgages!
Frequently Asked Questions
How much deposit do I need to buy a home?
It depends on your situation. Some lenders allow as little as 5%, while others may require 20% to avoid Lenders Mortgage Insurance (LMI). First-home buyers may also access government grants and schemes to reduce deposit requirements.
What’s the difference between a fixed and variable loan?
A fixed loan locks in your interest rate for a set period (e.g., 2-5 years), giving you predictable repayments. A variable loan fluctuates with market rates, which can mean savings when rates drop, but higher costs if they rise.
Can I refinance my home loan if I’m still in a fixed term?
Yes, but you may have to pay break fees. We can assess whether refinancing makes sense based on potential savings versus the cost of exiting your current loan.
What is rentvesting, and is it a good idea?
Rentvesting means renting where you want to live while owning an investment property elsewhere. It’s great for people who wish to enter the market without compromising their lifestyle.
How do I know if I qualify for a loan?
We assess income, expenses, credit scores, and debts. The best way to find out is to book a quick chat with us and we’ll walk you through your borrowing power.
Do you charge for your services?
Nope! Our service is 100% free for you. Lenders pay us when your loan settles, meaning we work hard to find you the best deal without any extra cost or agendas.
How long does loan approval take?
Pre-approvals can take as little as 24-48 hours, while full loan approvals typically take 1-2 weeks, depending on the lender and complexity of your application.
Can I use equity from my current property to buy another one?
Absolutely! We can help you access equity to fund a new property purchase without a massive cash deposit.
What grants or incentives are available for first-home buyers?
Various state and federal schemes offer grants, stamp duty exemptions, and deposit schemes. We’ll help you determine what you qualify for and ensure you maximise every opportunity.
What’s the best way to get started?
Book a free call with us! We’ll discuss your goals, assess your options, and map out a game plan tailored to you.
