Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 9 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 9 Reviews
When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.
When looking at different Home Loan Options, it's important to understand some of the key loan attributes:
Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.
We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.
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 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 loan draws-down and you're good to go!
Book AppointmentMJ
Maria Jasmen Marie Salano
Pierre was referred to me by a friend when I wanted to refinance and he was such a blessing. Pierre and his team were very informative of what my options were and explained the best one for my situation. He was very timely and always welcomes questions. Pierre is definitely a broker whom you can say will advocate for you and will make your journey as smooth as possible. Thank you, Pierre! until next time!
SS
Sheena Shibu
I have known Pierre since 2017, and he has consistently demonstrated exceptional capability in his role. Since starting XPM finance, Pierre has remained consistently positive and prompt in his interactions with clients. Both Pierre and Jane handle their responsibilities with professionalism and responds to any concerns or questions swiftly. Pierre always strives to secure the best possible deals for his clients. I highly recommend XPM Finance for your home loan needs.
JD
Judith David
If you guys looking for reliable broker Pierre is able to help and support to achieve goal I cant thank him enough for helping me to achieve my 1st home back in 2018. And now on my 2nd property to find the right loan and shop around interest rate. Thank you Pierre and the rest of your team for being hands on and supporting your client. This guys XPM you can always relay on them.
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.
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.
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.
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.
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.
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.
Pierre Mindiel Pty Ltd ABN: 95 629 783 320. Credit Representative #473121 and is authorised under Australian Credit Licence 481374.
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.
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