Buying your next home

Speak to a Broker

The eLEND
Difference

  • 30+ Lenders
  • In Person Appointments
  • Remote Appointments
  • We Act in Your Best Interests
  • A Partner You Can Trust!

Speak To A Broker

How much can I borrow?

How much can I borrow? Should I sell my current home in order to buy an invest property? Should I keep my current property as an investment property? Am I able to access the equity I have in my property to buy another one?

These are all questions I have been asked before. Don’t worry, we have the expertise and tools to uncover your best options. Through our unique broker process, we will discover the best way forward to achieving your goals, which will include calculating your borrowing capacity, calculating your borrowing costs and sifting through the vast sea of lenders to find the right home loan products for you.

Which loan is best for me – Variable or Fixed?

Well, that really depends on what features and functions in a home loan you’re after. Once we have discussed your needs and objectives, asked you a few questions, and understand your immediate, medium and long-term goals we will help you make the right choice.

For instance, if you’re after a home loan with the flexibility of making extra repayments and an option to have an offset account to help you save on interest, maybe a variable rate loan will suit you. If you’re planning on starting a family, perhaps you’d prefer the peace of mind of knowing what your repayments are upfront and want protection against future interest rate rises. In this example, a fixed rate loan may be more suitable. As you see, it all comes down to your individual needs and objectives.

Our Process

  • STEP 1

    An obligation-free personal consultation with you either in person, by phone or online to uncover what your needs are.

  • STEP 2

    Issue you with our Credit Guide and Privacy Disclosure Documents.

  • STEP 3

    Provide you with a Client Needs Analysis.

  • STEP 4

    Provide you with a Statement of Credit Advice.

  • STEP 5

    Complete the Lender Application and Identification forms.

  • STEP 6

    Loan application approval (or decline).

  • STEP 7

    Loan settlement.

We’ll go through our step-by-step process with you either in person, phone or online, to help uncover what you really need, obtain all your details, then make our professional recommendations for you to consider. After you have made your choice, we will prepare the loan application and gather your supporting document in readiness for your home loan application submission.

We continue working after that, making sure your lender has all the correct documentation to process the application as quickly as possible and keeping you advised every step along the way.

Once your loan is conditionally approved with your chosen lender, we will arrange the valuation and process the application for unconditional approval. If you haven’t contracted to buy the property, we can apply for a Pre-approval on your behalf which is generally valid for a period of 90 days.

As your Mortgage Broker we are passionate about building trust and confidence and arming our clients with the right information and tools to walk away feeling confident about their decisions.

Before buying or selling its best to talk to us first, we will work out the best ways to structure your loans for your benefit and there is no obligation to proceed. Our dedicated Mortgage Brokers will help you answer your questions.