Home Loans - Finance & Mortgage Broker

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

5.0

from 17 Reviews

Whether it's your First Home, Next Home or Dream Home, we're on your side

At Clubhouse Finance, we understand that buying a home is one of the most significant financial decisions you'll make. Whether you're a Perth resident or located elsewhere in Australia, our expert team is here to help you explore diverse Home Loan options from banks and lenders across Australia. Applying for a home loan might seem overwhelming, but with our support, you can feel confident and informed every step of the way.

When considering Home Loan options, understanding the different types of interest rates available is crucial. Variable interest rates fluctuate with market conditions, potentially lowering your repayments when rates decrease. On the other hand, a fixed interest rate home loan offers stability by locking in your rate for a set period, protecting you from any potential rate increases. By comparing these options, you can select what best suits your financial situation.

One important aspect to consider when applying for a home loan is your credit history. Lenders assess your credit history to determine your borrowing capacity and assess the risk involved in lending to you. A strong credit history may increase your chances of securing lower Home Loan Rates or interest rate discounts. To strengthen your application, ensure your bank statements are well-organised and reflective of your financial discipline.

The loan amount you can borrow is closely tied to your financial situation and the property market. Factors like your income, expenses, and existing debts all play a role in calculating home loan repayments. The loan to value ratio (LVR) is another critical factor; it measures the loan amount against the value of the property you're buying. A lower LVR can sometimes help you avoid lenders mortgage insurance (LMI), saving you money in the long run.

Understanding additional costs such as stamp duty and how they impact your overall budget is also essential. Stamp duty varies across different states in Australia, so it's important to factor this into your calculations when planning to buy a home. Our team can assist you in estimating these costs as part of our streamlined application process.

A key advantage of working with Clubhouse Finance is our ability to access Home Loan options tailored specifically to your needs. We guide you through each stage of the Home Loan application process, ensuring you understand every detail. Getting pre-approved for a home loan can provide you with a clearer picture of your borrowing capacity, giving you an edge when making offers on properties.

Furthermore, exploring features like an offset account can be beneficial for managing your finances. An offset account links to your home loan and reduces the interest payable by offsetting the loan balance with the money in the account. This feature can lead to significant savings over the life of your loan.

In today's competitive property market, being well-prepared is key. At Clubhouse Finance, we are committed to helping you successfully apply for a home loan that fits your specific needs. From exploring variable home loan rates to understanding fixed interest rate options, our comprehensive services cover all aspects of finding the right home loan for you.

With Clubhouse Finance, buying a home doesn't have to be complicated. Our experienced team is dedicated to providing personalised guidance through every step of the Home Loan application process. Contact us today to discuss how we can help you access the best Home Loan options from banks and lenders across Australia. Let us assist you in achieving your dream of owning a home with confidence and ease.

Our Recent Reviews

Ed was a pleasure to work with and was always available to answer any questions I had. As a first home buyer I found this to be invaluable and I would absolutely recommend Ed.

Theo Whitney

Ed was absolutely outstanding to work with. As first home buyers, I felt completely supported from start to finish. He took the time to clearly explain every step of the process and made what could have been a stressful experience feel smooth and manageable. His communication was excellent, keeping me regularly updated and coordinating seamlessly with the bank, real estate agent, and settlement agent to keep everything moving. Ed’s professionalism, paired with his warm and approachable personality, gave me total confidence thatI was in safe hands throughout the entire journey. He truly went above and beyond, and I couldn’t recommend him more highly

Chloe Pendlebury

I’ve worked with Ed as my mortgage broker for nine years and I honestly wouldn’t go anywhere else. He has been an incredible source of support through every stage, whether things were straightforward or complex, sensitive, and time-critical. No matter how busy he is, Ed is always accommodating, responsive, and genuinely invested in getting the best outcome. He explains things clearly, stays calm under pressure, and makes what can be a stressful process feel manageable and supported. I trust him completely and highly recommend him to anyone wanting a broker who truly goes above and beyond.

Lyndsey Mead

As first home buyers, Ed was extremely supportive throughout the entire process and helped us understand what was required at each step from the outset. He communicated with us regularly, keeping us up to date where everything was at, especially when working with the bank, real estate agent and settlement agent to keep things moving. He truly went above and beyond, and we couldn’t recommend him highly enough!

Izzy Rakich

Frequently Asked Questions

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.

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 Home Buyers 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.

Can you only help with Home Loans?

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.

Contact

Perth, WA

0410 171 925

Clubhouse Australia Pty Ltd ABN: 15 633 208 812. Credit Representative #516238 is authorised under Australian Credit License #389328

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.