Mortgage Brokers in Milton Brisbane & Surrounding Areas

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We are experts in taking the stress out of mortgage broking and lending.

Ausfirst Lending – Milton’s Award-Winning Mortgage Broker

Looking for a mortgage solution that suits your needs? Ausfirst Lending, an award-winning mortgage broker in Milton, is here to help you secure the perfect loan. With over 50 years of experience and access to 40+ lenders, our dedicated team offers client-focused services designed to simplify the home loan process.

At Ausfirst Lending, we take the time to understand your financial goals to reduce fees, avoid unnecessary Lenders Mortgage Insurance (LMI), and offer accurate repayment plans with features like offset accounts. Plus, our service is 100% free. Many lenders also offer special deals for first-home buyers or those with specific savings plans, so being aware of these can save you even more.

loan
50+ Years of Experience | Access to Over 40 Lenders | Award-Winning
borrowing capacity

Get Expert Advice Before You Start House Hunting

Don’t wait until you’ve found the perfect home to speak with a broker. Getting expert advice early helps you understand your borrowing capacity and address any potential issues before they arise, so you’re prepared when the right property comes along.

Starting early also gives you a chance to improve your financial standing—whether that means paying down debts, boosting your savings, or increasing your credit score—before making your final application. This can significantly increase your borrowing power and reduce potential delays.

Quality

We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.

Choice

We work with over 40 lenders, including big banks and non-bank lenders, so you have plenty of options to choose the right loan for you.

Support

Our team is dedicated to guiding you throughout your home ownership journey, whether it’s securing your first home or expanding your investment portfolio. We provide ongoing support, including a 6-month review process to keep your loan competitive.

Experienced Brokers

Every broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.

Personalised Approach

We tailor loan solutions to focus on your best interests, not the bank’s.

Simple Process

Our process is transparent and easy to understand, making the entire journey hassle-free.

Quality

Our aim is to find you a loan that not only meets your requirements, but exceeds your expectations in terms of rate, product and service

Choice

We believe in providing you with choice at AusFirst Lending Group.

Support

We aim to support you in your dream of owning your own home or investment property.

Explore the Milton Property Market with Confidence

The Milton property market offers excellent opportunities, particularly in the outer suburbs. However, knowing which areas to avoid (such as those with oversupply) is crucial, as lenders may view these as higher risk and require larger deposits.

Working with a local Milton mortgage broker ensures you receive expert, tailored advice. We help you secure competitive repayments, useful loan features, and monitor interest rate changes to guarantee you always have the best deal. By partnering with a broker, you can also gain insights into up-and-coming suburbs where property values are projected to grow, which could enhance the long-term return on your investment. Read More

Why Choose Ausfirst Lending?

At Ausfirst Lending, we do more than just find loans; we build lasting relationships by offering personalised advice and ongoing support. Here’s why Milton locals trust us:

  • Extensive Experience: With 25+ years in the Milton property market, we provide tailored mortgage solutions that work for you.
  • Access to a Wide Range of Lenders: We partner with over 40 banks and specialised lenders to bring you competitive deals.
  • Free Service: Our service comes at no cost to you. We are paid by the lender once your loan is settled, and we ensure complete transparency by disclosing all fees upfront.
  • Convenient and Flexible Appointments: Meet with us in person or virtually, at a time that suits you.
  • Ongoing Support: Our relationship doesn’t end when your loan settles. We continue to review your loan to ensure you always have the most competitive rates.

Maximise Your Borrowing Potential: Manage Credit Cards Wisely

Credit cards can impact your home loan approval, but smart management can minimise the effect. Pay bills on time, reduce credit limits, or consolidate cards to improve your borrowing capacity.

Our experts will help you optimise your credit profile, enhancing your loan application for better approval chances and more favourable rates. It’s also essential to consider closing unused credit cards before applying, as this can boost your creditworthiness in the eyes of the lender. Understanding how lenders calculate credit card debt in your borrowing capacity is another key to maximising your approval amount.

Strengthen Your Loan Application: Credit Scores and Property Valuations

Low property valuations or credit scores can complicate the loan process. We tackle these issues upfront, ordering free valuations and minimising unnecessary credit checks to protect your credit score and strengthen your application.

Having a good credit score can also improve your negotiating power with lenders, potentially securing you lower rates or more flexible loan terms. Keeping your credit inquiries to a minimum while you’re in the process of applying is critical to avoiding any red flags.

Save More with Loan Features that Work for You

Finding the lowest interest rate is important, but loan features matter too. Offset accounts, redraw facilities, and extra repayments can save you thousands over the loan’s lifetime. Even a slightly higher rate might end up cheaper if it comes with the right features.

We simplify the process by comparing the latest options from 40+ lenders. We’ll help you find the right balance of interest rates and features to suit your financial goals. Remember, features like the ability to split your loan between fixed and variable rates can provide both stability and flexibility, allowing you to take advantage of changing market conditions.

Avoid LMI and Save Big

Lenders Mortgage Insurance (LMI) is paid by the borrower but protects the lender. Avoid this cost by saving a larger deposit or reducing your Loan to Value Ratio (LVR) to under 80%.

We’ll guide you through strategies to reduce or avoid LMI costs. If saving 20% isn’t practical, we’ll explain how LMI can help you enter the market sooner and how to manage the costs effectively. Additionally, some lenders offer limited-time exemptions from LMI for certain professionals or for buyers in specific areas, so it’s worth exploring these options with your broker.

Get It Right the First Time: Understanding Lender Policies

Each lender has unique credit policies that can impact your loan approval. At Ausfirst Lending, we ensure your application is perfectly aligned with lender requirements, reducing delays and boosting your chances of success.

Understanding the finer details of bank policies, such as how different lenders treat casual or freelance income, can also be a game-changer for non-traditional earners. Our knowledge of specific lender preferences ensures your application fits seamlessly into their criteria, saving you time and frustration.

Seamless and Stress-Free Loan Process

Finding the right loan in Milton can be overwhelming, but we make it easy. With access to over 40 lenders, we compare a wide range of home loan products to ensure you get the best deal. Our cutting-edge technology connects directly to banks, giving you access to competitive rates without the hassle.

Whether you’re buying your first home or investing in property, we offer solutions that fit your financial goals. We can help you avoid unnecessary Lenders Mortgage Insurance (LMI) fees, and many of our lenders offer special deals for first-home buyers, making it easier for you to save even more.

Secure Your Future with Tailored Loan Features

Finding the lowest interest rate is important, but other features like offset accounts and redraw facilities can save you thousands over the life of your loan. We’ll guide you through your options to find the perfect balance between rates and features, ensuring that your loan aligns with your financial goals. You can even split your loan between fixed and variable rates to provide both stability and flexibility.

Milton Property Market Insights

Navigating the Milton property market can be tricky, especially when it comes to identifying areas with oversupply or areas primed for growth. With our local expertise, we can guide you through the market, offering valuable insights that could save you from paying higher deposits or help you make smart investment decisions.

Strengthen Your Loan Application

A successful loan application depends on several factors, such as your credit score and the property valuation. At Ausfirst Lending, we tackle these issues head-on. We offer free property valuations and work to keep unnecessary credit checks to a minimum, ensuring your credit score remains strong. This increases your chances of securing the best possible loan terms.

Avoid LMI and Save Big

If your deposit is less than 20%, Lenders Mortgage Insurance (LMI) may be required, but we can help you avoid this cost. By reducing your Loan to Value Ratio (LVR) or exploring professional discounts, we’ll find ways to help you save. If LMI can’t be avoided, we’ll guide you on how to manage this cost effectively.

Hassle-Free Loan Application Process

Applying for a loan with us is simple:

  1. Submit Your Information: Provide us with your personal and property details.
  2. Quick Approval: We’ll present loan options from our network of lenders, often within two business days.
  3. Receive Your Funds: Once approved, your loan funds are transferred in as little as three days.

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Our Lenders

About Us

About Us

Learn more about our professional mortgage brokers, ready to help you
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Services

Services

Learn more about our different services
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FREE Autovaluation

FREE Autovaluation

Receive a free valuation report!
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Calculators

Calculators

Use our calculators to find out how much you can borrow
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Resources

Resources

Understand what is going on in the finance industry
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Personalised Mortgage Services

Discover our wide array of services aimed at helping you reach your financial goals.

Why Partner with Us?

Backed by extensive experience in the mortgage sector, we provide a one-stop solution for all your home loan requirements. Whether you're refinancing or seeking investment loans, our team is dedicated to offering personalised guidance and expert insights.

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Our Mortgage Services

First Home Loans

First Home Loans

Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.

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Investment Loans

Investment Loans

Explore our investment loan solutions designed to help you build and grow your property portfolio.

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Home Equity Loan

Home Equity Loan

Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.

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SMSF Loans

SMSF Loans

Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.

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Trust Loans

Trust Loans

Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.

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Refinancing

Refinancing

Review and enhance your current mortgage terms with our refinancing options, designed to save you money.

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Frequently Asked Questions (FAQs)

Our services are completely free for you. We are compensated by the lender once your loan is settled. All associated fees are fully disclosed upfront, ensuring total transparency.

Not at all! You can meet with us virtually through phone calls, video chats, or email. We offer flexible options to suit your needs, no matter where you are, even if you're overseas.

We provide mortgage and refinancing services throughout Milton and the surrounding suburbs. Whether you're located in Milton or nearby areas, we’re here to help with all your home loan needs.

Your borrowing capacity depends on factors like income, credit score, and existing debts. During your consultation, we’ll assess your financial situation and give you a clear estimate of how much you can borrow.

We can typically secure pre-approval within two business days, depending on your personal circumstances and the lender’s requirements.

Once pre-approved, the loan approval process generally takes 1 to 2 weeks, depending on the complexity of your application and the lender’s conditions.

It’s still worth speaking to a mortgage broker. We’ll compare your bank’s offer with other lenders to ensure you’re getting the best deal—often finding more competitive rates or flexible terms.

Yes! We specialise in assisting self-employed individuals. We’ll help you gather the required financial documents and find lenders that understand the complexities of self-employment.

Absolutely. We work with lenders that offer loan products specifically designed for people with less-than-perfect credit. We’ll review your situation and recommend the best available options for you.

Yes, we can help if you're buying property internationally. We offer flexible services and will guide you through the process, no matter where you’re purchasing.

Mortgage brokers give you access to a wider range of loan products and rates than what banks might offer directly. At Ausfirst Lending, we compare hundreds of loans from over 40 lenders to save you money on fees and reduce your monthly repayments.

Yes, refinancing can help reduce your repayments when interest rates drop. We’ll assess your circumstances and guide you through the process if refinancing is a good option for you.

Yes, we continue to support you even after your loan is settled. We conduct regular reviews to ensure your loan remains competitive and help with adjustments like refinancing or switching products when necessary.

We recommend reviewing your mortgage at least once a year. At Ausfirst Lending, we offer free annual loan reviews to ensure you're always getting the best deal.

If your financial situation changes, we’re here to help. We can assist with refinancing, adjusting your repayment terms, or switching loan types to accommodate your new financial circumstances.

We’ll need details like your income, expenses, assets, debts, and the type of property you wish to buy. Don’t worry, we’ll guide you through the process and help you gather everything needed.

Booking a free consultation is easy! You can schedule an appointment online or call us at (07) 3916-7070. We offer flexible meeting times seven days a week to fit your schedule.

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