Home Loans

Buy your First Home, Next Home or Dream Home sooner with a Home Loan

At Influence Finance Group, we understand that buying a home is one of the most significant financial decisions you will make. Whether you're a first-time buyer or looking to invest, our expertise in Home Loans ensures you access Home Loan options from banks and lenders across Australia. Our services are tailored to help you navigate the complexities of applying for a home loan, ensuring a seamless journey towards securing your dream property.

The first step in the process is understanding your financial situation and borrowing capacity. We assess various factors, such as your credit history and bank statements, to provide a comprehensive evaluation. Our team helps you explore Home Loan options that suit your needs, whether you prefer a fixed interest rate home loan for stability or a variable interest rate for flexibility. We also guide you through calculating home loan repayments and understanding the implications of different Home Loan Rates.

An essential aspect of our service is explaining the concept of lenders mortgage insurance (LMI) and how it affects your loan to value ratio (LVR). Our advisors ensure you're informed about interest rates and any potential interest rate discounts available to you. By understanding these elements, you can make informed decisions about the loan amount you're comfortable with. We also assist with getting pre-approved for a home loan, which can streamline your Home Loan application process and give you an edge in the competitive property market.

Another key factor in buying a home is considering additional costs such as stamp duty. Our experts offer insights into these expenses, helping you plan effectively. We also discuss the benefits of an offset account, which can reduce the interest paid over the loan's life. Our streamlined application process is designed to minimise hassle, allowing you to focus on finding the perfect home.

When it comes to applying for a home loan, understanding variable home loan rates versus fixed interest rates is crucial. A fixed interest rate offers predictability in repayments, while a variable interest rate may provide more flexibility and potential savings. Our team helps you weigh these options against your financial goals and preferences. Additionally, we explore opportunities to leverage home equity in current properties, potentially enhancing your borrowing capacity.

At Influence Finance Group, we are committed to making your Home Loan journey as straightforward as possible. With access to Home Loan options from a wide range of lenders, we tailor our services to meet your unique needs. Contact us today to begin the process and take the first step towards owning your dream home. Our dedicated team is ready to assist you every step of the way, ensuring you have all the information needed to make informed decisions about your future.

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

Getting a Home Loan

Initial Consult

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

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 Home Loan.

Pre Approval

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

Settlement

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

Book Appointment

Our Latest Reviews

Kapilan Sarma

I have known Paul for a number of years now and he has assisted be with various services from re-financing loans to new home loans for house purchases. All my experiences with him have been positive. His ability to respond in a timely manner to lender issues, providing financial advice and constantly keeping me in the loop during all steps is very comforting. I would highly recommend him to others who require similar services. Thanks Paul for all your help over the years.

Gayle Millington

Paul and the company have been so very helpful on many occasions. He takes a personal interest with all his clients He know his stuff and is up to date with all the latest products and policies… would and have told everyone about him…

Joel Parker

I wanted to take a moment to commend Paul for his remarkable service in assisting us to secure a complex home loan. Navigating through the intricacies of home financing can be daunting, yet with Paul, it felt like a well-planned journey. ...

Amanda Kemp

Paul has been absolutely amazing! Going over and above to get the best deal for myself and my family. I would recommend him to anyone who is looking for a Mortgage Broker who will keep your best interests at heart and get you the best outcome.

Briar Ferguson

Paul was referred to me as I was struggling to find a finance professional who could cater for my finance requirements. I found him to be extremely professional, diligent with the ability to think outside the box. ...

Monica Brabant

Paul is absolutely amazing. He's helped me twice now with refinancing, he really listens and understands my goals and goes above and beyond to get the best outcome for me. I wouldn't hesitate to work with Paul again, and highly recommend him to anyone else

We work with Australia's biggest lenders

Frequently Asked Questions

Should I go directly to a bank or use a broker?

Banks will only offer their own products, which may not be the best fit for your situation. A broker compares a wide range of loan options from different banks and lenders to help you find the right solution. Brokers are also legally required to act in your best interest, while banks are not held to the same standard.

Is there a cost to use a mortgage broker?

In most cases, you won’t need to pay a fee for our service. Mortgage brokers are typically paid a commission by the lender you proceed with. If you're unsure or would like to learn more, feel free to reach out with any questions.

Is pre-approval necessary for an investment loan?

Yes, getting pre approval is an important step when purchasing an investment property. It means the lender has reviewed your financial situation and confirmed the maximum amount they are willing to lend. This helps you understand your budget and makes you more confident when you are ready to make an offer.

What happens to my home loan if I move to a new property?

If you are buying a new home, you usually have two options for your loan. You can refinance with your current lender or a new one, or you can pay off your existing loan and apply for a new one for your next property. A broker can help you understand what you can afford and which option might suit you better.

How can I choose the right investment loan?

The best investment loan will support your financial goals, whether you are focused on increasing cash flow or building long term value. One of the first things to consider is whether you want a fixed or variable interest rate. Each lender offers different loan features, so working with a broker can help you find the right loan with the right structure for your needs.

What are the fees involved in buying a property?

There are several extra costs that come with purchasing a property, and they are not always explained clearly. These can include stamp duty, loan application fees, building and pest inspections, and other charges. Speaking with a broker can help you understand all the costs upfront and avoid unexpected surprises.

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Melbourne, VIC

0448 005 520

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INTERNATIONAL LENDING GROUP PTY LTD ABN: 31 668 903 688. Credit Representative #513915 is authorised under Australian Credit License #517192

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.