Book an appointment

Home

Need help? Lets talk
YOUR LOCAL BROKER

If you’re looking for a home loan, Loan + Finance Brokers is here to help.

We compare thousands of loan options from over 90+ lenders and show you products that’ll help you keep more of your hard-earned money where it belongs – in your wallet.
TALK TO A BROKER today

Fast Loan Comparison

Our expert brokers quickly review thousands of home loan options from 90+ leading lenders and present you with three solutions tailored to your unique needs.

We do the hard work

We’ll help complete the paperwork, manage the application process and follow it through to approval. Leaving you time to get excited about your new home.

Simplified Application

We love paperwork and negotiating with lenders. So you don't have to. We ensure that your application is as fast and simple as it can be so you have time to do you.
Your local brokers

Your Trusted Mortgage Problem Solvers

At Loan & Finance Brokers, our team of dedicated mortgage brokers help Australians navigate the complexities of expanding their property portfolio, buying their first home, or securing loan approvals. We understand that not every financial goal fits neatly into a box, and we're here to provide tailored solutions. We see ourselves as mortgage problem solvers who thrive on challenges, committed to making your property ownership journey smooth and successful.
Book an appointment now
What does it cost?

Zip, Zero, Zilch.

At Loan & Finance Brokers we're all about freedom. We keep and eye on the rates so you can find your home, while we find your loan. We save you from mountains of paperwork and uncomplicate the banky jargon.

How is this all possible as zero cost service you ask? We get paid by the bank when you snag a loan through us. For example, if you borrow $400,000, the lender might pay us $2,200 (yep, about 0.55% commission). We're all about keeping it transparent, so you'll always know what we're earning from each bank.

And don’t worry, using our service doesn’t mean you pay more. No extra fees or higher interest rates – just friendly, always there help!
Book an appointment now
FAQs

Things people often ask about

LVR, LMI, Comparison rate, interest only, conveyancing and more! When we were researching our home loan options, we kept seeing all this jargon everywhere. Everyone else seemed to know what LMI meant but we…erm.. weren’t so clear. We’ve created a whole page for people like us that like their answers without a side of gobbledygook.

The amount you can borrow depends on several factors, including your income, expenses, existing debts, and the type of loan you're seeking. Here's how it typically works:

Income and Employment: Lenders will look at your gross income, job stability, and employment history to determine your borrowing capacity.

Expenses and Debts: Your regular expenses and any existing debts (like credit cards, car loans, etc.) will be considered to understand your financial commitments.

Credit Score: A good credit score can increase your borrowing power, as it shows lenders that you're a reliable borrower.

Loan Type and Terms: The type of loan and its terms (fixed or variable rate, loan term, etc.) will also impact how much you can borrow.

Deposit and Equity: The amount of deposit you have saved or the equity in your current property can affect the loan amount.

For a more accurate estimate, use our "How Much Can I Borrow?" calculator on our website or chat with one of our friendly Fortify Finance brokers who can provide personalized guidance based on your unique situation.

Equity is the difference between the current market value of your property and the amount you still owe on your mortgage. For example, if your home is worth $600,000 and you owe $400,000, your equity is $200,000.

To unlock your equity, you can:

Home Equity Loan: Borrow a lump sum using your equity as collateral. You'll repay it with fixed monthly payments over a set term.

Home Equity Line of Credit (HELOC): Similar to a credit card, you can borrow as needed up to a certain limit and only pay interest on what you use.

Refinancing: Replace your current mortgage with a new one for a higher amount, effectively cashing out your equity.

Each option has its benefits, so it's best to discuss your situation with one of our Fortify Finance brokers to find the right fit for you.

LMI stands for Lender’s Mortgage Insurance. This protects the bank in case you default on your home loan. This is an additional charge, typically if your deposit is less than 20% of the purchase price. If you want to buy a property for $500,000 and have $50,000 (10%) saved for a deposit, the bank may charge you LMI. LMI is a once-off payment, and can often be added to your loan amount.

LVR stands for Loan to Value Ratio. The amount of money that a bank will lend you based on how much the property is worth. For example, an 80% LVR means the bank is willing to lend up to 80% of what the property is worth. If you’re buying a property for $500,000, an 80% LVR loan is $400,000. In this example, you would need to have $100,000 (20% of $500,000) saved up for a deposit.

Absolutely not. When you use a Broker to apply for your loan, we can often get you better rates than what you could by going directly to your bank. First, we’ll show you the lowest rates from over 25+ lenders, then we get some info, do lots more research, and find the ones that work best for you. Finally, we’ll negotiate with the bank to get you an even better rate, if possible. Our service costs you nothing and often you’ll end up paying a lot less than nothing – by going with a different bank, or paying a lower rate, or both! ?

Before we do anything serious we will get you to sign off on our Privacy Policy and our Credit Guide. Everything is available via your home loan portal and can be signed via secure digital signature online.

Get started with our free guides

Becoming a first home buyer

This is a basic text element.Buying your first home is an exciting, but big step to take and one that comes with many questions and decisions. The two big questions are how much you can borrow and what are your likely repayments to be.
Get the guide

Refinancing your home loan

As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate or maybe you want to start that renovation project.
Get the guide

Investing in property

Having the right people to help you is key when investing in property. Do your homework on the property market before you dive in, and we’ll be thrilled to help you when it comes to financing your decision.
Get the guide

Helping you achieve your next big goal in life, property or business!

Book a Meeting
Contact us now 1300 270 040
The Loan + Finance Brokers are a West Australian finance and mortgage brokerage headquartered in West Perth. We combine the latest technology, a wide-ranging lender panel and our detail-orientated approach to ensure we find the best fit loan for your needs and requirements.

How We can Help

Legal

Help

Contact

Book An Appointment
help@landfb.com.au
1300 270 040

Suite 5, Level 1, 1321 Hay Street
West Perth, WA 6005

Luminosity Holdings Pty Ltd (ACN 163 290 435) ATF the Luminosity Trust (ABN 44 624 297 716)
Luminosity Holdings Pty Ltd (Credit Representative 480368) is a Credit Representative of QED Credit Services PTY LTD (Australian Credit Licence 387856).
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.