Home Loans - Mortgage Brokers based in Ipswich

Home Loans

At Ready Finance, we're Finance & Mortgage Brokers helping clients Australia-wide get into their home sooner

5.0

from 112 Reviews

Header Photo for Ready Finance Home Loans

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

Buying a home is a big step, and finding the right Home Loan is crucial. At Ready Finance, we understand that everyone's financial situation is unique. That's why we offer personalized service to help you navigate through the maze of Home Loan options available from banks and lenders across Australia. Our expert Home Finance & Mortgage Brokers can guide you in choosing the best loan to match your needs, whether you're purchasing your first home or investing in property.

One key factor in selecting a Home Loan is the interest rate. A lower rate can significantly reduce your monthly repayments and the total amount paid over the life of the loan. Another important consideration is the loan to value ratio (LVR), which can affect whether you'll need to pay Lenders Mortgage Insurance (LMI), adding to your costs. Your credit history also plays a crucial role in your ability to secure a favorable loan. Good credit can open the door to lower rates and interest rate discounts, making your Home Loan more affordable.

At Ready Finance, we simplify the application process, ensuring you understand every step, from assessing your borrowing capacity to understanding the implications of stamp duty. We're here to make applying for a Home Loan as straightforward as possible, providing support and advice tailored to your financial situation. With our help, you can find the right Home Loan, maximise your borrowing power, and take the first step towards buying your dream home.

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The Home Loan Process

Discovery Call

A 15-minute phone conversation with one of our qualified finance and mortgage brokers to establish the outline of your scenario. Whether you’re a first home buyer, refinancing an existing home loan, or seeking investment property financing, we’ll determine how we can help you achieve your goals and recommend the next steps.

Fact Finding and Document Collection

You will receive an email with a secure link to our online client center. Using this platform, you can provide detailed information and upload any documents necessary for our mortgage brokers to complete an initial home loan assessment. This step ensures we understand your financial position and can present the most suitable loan options.

Broker Meeting

Your mortgage broker will carefully review your provided information, calculate your borrowing capacity, and suggest loan options that match your needs. During the meeting, either in-person or via video conference, we’ll explore home loan structures, interest rates, repayment types, and loan terms. Whether you're a first home buyer or refinancing your home loan, our experienced brokers will recommend the best lenders for your scenario.

Submission

Once you and your mortgage broker agree on the most suitable loan solution, we’ll prepare and submit your application to your chosen lender. You’ll be asked to review and sign a summary document outlining the loan details and lender terms. In some cases, lenders may require specific application forms to be signed before submission.

Approval

After submission, your loan application will be assessed by the lender. Approval times may vary, but our team maintains regular contact with the lender to ensure progress. Your mortgage broker will keep you informed at every stage. Should the lender request additional documents or clarification, we’ll promptly coordinate with you to keep the process on track.

Once we receive formal unconditional approval, we’ll share the great news with you.

Post-Approval and Settlement

Following loan approval, the lender’s legal team will generate the loan documents for signing. Most lenders now offer digital signing for added convenience. Our dedicated settlements officer, Ashleigh, will be available to guide you through this final step, ensuring a smooth and stress-free settlement.

Whether you're a first home buyer navigating the loan process or a homeowner seeking to refinance for better rates, our team of expert mortgage brokers is here to help. Reach out today to get started on securing your ideal home loan.

Our Recent Reviews

Ben and the team are professional and detailed. They managed to secure a loan for me with a very unique financial situation in a short timeframe. I would highly recommend them and most certainly will use them in the future.

Andrew Bullpitt

Ben was so wonderful to work with and explained everything clearly and calmly. He made the stressful experience of applying for a mortgage as a first home buyer that much easier and I felt supported throughout. I appreciated the quick responses to my many questions and requests. Shout out to Ashleigh who was also amazing, professional and lovely! I would very much recommend Ben, Ashleigh and the team to anyone else seeking a mortgage broker.

Lauren Murray

I had a fantastic experience working with Ready Finance. From start to finish, they were professional, responsive, and incredibly knowledgeable. They took the time to understand my needs and provided clear, honest advice throughout the entire process. What stood out most was their attention to detail and commitment to making sure everything went smoothly. I felt confident and well-informed at every step. I highly recommend Cameron McDougall at Ready Finance to anyone looking for a reliable and trustworthy broker.

Liam Dobson

Cameron and Ashleigh are amazing. They went above and beyond to help me get finance. Being a single mum nearly 50, didn't ever think I would get back into owning a home. But thanks to these guys, settlement is in a couple of weeks. They are amazing, would highly recommend over and over.

Megan S

Frequently Asked Questions

Why should I use a Mortgage Broker?

Brokers work as the intermediary between you and the lender. We work in your best interest to get you the best loan for your scenario. Your broker will be your single point of contact throughout the process; no more waiting on hold and explaining your situation to several different people.

You could potentially be wasting your time taking your application directly to the wrong bank for your scenario; instead let your broker get it right the first time.

At what point should I see a mortgage broker?

If you’re coming off a fixed rate, it is best to speak to a broker 4 to 6 weeks before the fixed rate expires. That way, you can ensure you don’t revert to a super high revert rate, and the transition to a new low-rate loan all happens at the right time.

If you’re looking to buy a home, it would be best to speak to a broker 2 weeks out from when you are going to start looking in earnest. The broker can then assess borrowing capacity, and check credit ratings, and eligibility before possibly helping with a pre-approval.

How much do mortgage brokers charge?

Our service to you is free of charge; we are paid by your chosen lender when your loan settles at no extra expense to you.

Is it better to use a mortgage broker?

There are benefits of using a broker compared to going directly to the bank. Most brokers work with several different banks, and if your scenario fits, the broker will find you the best deal with the cheapest rate.

If you use a broker at Ready, you will have one contact whom you can keep in touch with via text, call, or email; no waiting in call center queues, no need to explain your issue to the 3rd person in a row.

Sometimes, going directly to the bank, you can waste time by applying to a bank that won’t even consider your scenario. A good broker will be able to navigate the pitfalls and go to the right lender the first time around.

Can you help first home buyers?

Since navigating the home-buying process is already tough, we've made it a bit easier by gathering all the current grants, schemes, and discounts available to Australian first-home buyers in one place.

Do you get a better rate with a mortgage broker?

Brokers have access to over 30 different lenders, and finding the customer the best rate is something we always strive to achieve.

But not all lenders are equal. If I could offer you a straightforward application with minimum paperwork and a next-day approval versus a complex paperwork marathon to save $5 a month, which would you choose?

Request a Call Back

Name

Phone Number

Email Address

Contact

Shop 8, Karalee Shopping Village, 39-52 Junction Road, Karalee, QLD 4306

07 3544 0922

Ready Finance Group Pty Ltd ABN: 83 672 779 761. Credit Representative #534 137 is authorised under Australian Credit License #389 328

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.