Home Loans

Buy with confidence and allow us to hold your hand through the process, all the way to settlement and beyond. Explore our great rates and home loan calculators.

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What Home Loan are you looking for?

Owner Occupied
Are looking for a home loan for the property you plan to live in?

Whether you want to purchase an existing home, build a new property or renovate an existing building, it is so important you have the right home loan for your needs.

Investment
Looking to purchase or renovate a property as an investment?

With an investment home loan you can borrow the amount required to purchase a residential or a commercial property. This investment may be purchased with the intention to receive a rental return or perhaps gain profit from resale in the future.

Fixed Rates
Are you a borrower who thinks the interest rate will increase. Are you risk adverse, seeking security and also certainty when taking out a home loans?

By choosing a fixed rate home loan your loan repayments you will be guaranteed the rate given at the time of settlement and will not fluctuate with the market. Usually the term is 1 to 5 years and some lenders even longer.

Be aware if you fix a home loan it can be a very expensive exercise to break or get out of as the lender will require you to pay all the interest they haven’t yet received. If you break the contract – this could cost you thousands so request a ‘payout’ figure first before deciding to end this contract.

Variable Rates
Variable means exactly that, the rate may vary either up or down. As interest rates fluctuate, you may want to take advantage of a variable rate home loan for flexibility and make additional repayments without incurring fees or penalties. You could team this up with a no fee redraw facility which then allows you access to any overpaid funds.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Get your Borrowing Capacity
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Getting a Home Loan

1. Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

2. Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.

3. Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

4. Settlement

You settle on the property, your loan draws-down and you're good to go!

Book Appointment

JM

James McPhee

Very helpful and easy to contact. Renee Went above and beyond to help with our finance needs

IP

Isaac Povey

Renee and the team at step ahead finance were outstanding! She was very knowledgeable and helpful which allowed the process of me and my partner getting finance for our first home a lot less scary! We couldn’t speak more highly of her and her service.

Sp

Scott pitts

Absolutely amazing service could not fault Renee’s performance and attention 10 out of 10

Frequently Asked Questions

Can you help self employed borrowers?

We know that Self Employed Borrowers have very specific needs so can help with making sure we find the right home loan for them. We can also assist with Low Doc and Alt Doc loans as well as Self employed loans.

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.

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 homeowners 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.

Ready to get Started?