We Specialise in

Home Loans

Buying or upgrading your home is one of the most important decisions that you’ll ever make in your lifetime. Having the right finance partner to take you through the process from beginning to end can be the difference between securing your dream property or missing out! We can help you throughout the entire process, including a pre-assessment of your borrowing capacity to understand how much you can spend on your home negotiating the best rate for you, organising a pre-approval.

Investment Loans

Whilst property has traditionally been Australia’s biggest asset class for building wealth, surprisingly only 20% of Australians own an investment property. Whether you’re a first time investor looking to 'rentvest' (rent where you want to live and purchase an investment where you can afford) or a home owner looking to create additional wealth, find out how we can help you secure your investment property. whilst providing an understanding of how to maximise tax deductions and minimise your borrowing risks.

Refinance

With most banks offering their best rates and packages to brand new customers, its important you have a finance partner on your side who will work for you. Whether it’s simply renegotiating your existing loans with your current lender or finding another bank that will provide you with a better deal, our team are here to ensure your rates remain competitive over the long term.
- We will review your loans on a regular basis to ensure that your rate remains competitive and your borrowing structure meets your ongoing needs.- As mortgage brokers we have access to many banks and lenders so we’re able to use our buying power and relationships to achieve the best outcome for you- We’ll regularly assess your borrowing capacity as your situation evolves, so we can help you identify opportunities such as accessing additional funds for that overdue home renovation or to invest into property or shares.

First Home Buyers

It might not be as hard as you think to get your foot in the door with your first home purchase, there's never been more opportunities available to help first home buyers than there are now. We’re here to answer all your questions and explain how the whole home buying, loan-getting process works – in simple language, not baffling finance jargon. We’ll give you guidance to make wise decisions – not just as an expert broker, but someone who has been in your shoes and made good property choices. You could be eligible for First Home Owners discounts and other government incentives. If so, we’ll let you know and get it all sorted for you. So whether you need a loan to go house hunting (pre-approval) or have found your dream home already we’ll compare home loans from over 40 lenders to secure the right one for you.

Debt Consolidation

If you’re struggling to manage multiple debt and loan repayments, you may have considered a debt consolidation loan. Debt consolidation is the process of refinancing your home loan and rolling all your existing debts, including your current mortgage, into one new mortgage. A debt consolidation loan can encompass current credit card repayments, personal loans, property mortgages and more. If your debt consolidation loan is structured effectively, it will allow you to pay off all your debts in a single loan with a lower interest rate. However, by rolling all your debts into one longer term debt, you may end up paying more interest over time.

Construction Loans

Construction loans allow you to cover building costs as they occur by receiving payments in instalments rather than all at once. If you’re renovating or building a new home, getting a home construction loan is often the best way to finance your build as you only pay interest on what’s been withdrawn. However, the construction loan criteria and application process can be completely different to a standard home loan and there are many complicated rules to navigate. Luckily, we are specialists at construction finance and can help break down the best lending solutions for your individual situation. With our help, you’ll have expert advice on the right loan structure and best construction loan rates to finance your dream build.

SMSF Lending

Self Managed Superannuation Fund loans are much more complicated than your average loan. Between government legislation and a multi-step application process, there is a lot to decipher and manage. With Karlee's Financial Planning and Mortgage Broking knowledge combined we are experts in the SMSF lending field! There is only a small niche of lenders who specialise in SMSF property lending and we maintain positive, longstanding relationships with many of them as part of our lender network. Once you’ve consulted with your financial planner or accountant and set up the necessary structures, we’ll compare lending products suitable for your fund, guide you through the process, and help you long after settlement.

Commercial

As a business owner having the right funding partner is critical to the long-term success of your business. Ensuring that your business has access to the necessary funds for cash flow and growth purposes can be the difference between success and failure. As an independent mortgage broker, we work for you not the bank, to facilitate the best lending outcomes for our business clients. We have a thorough understanding of dealing with the complexities of writing commercial finance including understanding P&L, balance sheets and discretionary/family trusts. Owning a business comes with many risks, but we work with you to minimise the level of assets the bank requires to achieve your commercial borrowing objectives.

OUr Process

1. Assessment

Review your financial position to gain an understanding of your specific needs, requirements and objectives. This also where we assess your borrowing capacity and if you're not quite there yet, we can provide coaching and education to help you get there.

2. Options

Review our panel of lenders to source the most suitable product options, including: loan and repayment types, product features, interest rates, costs, banking, infrastructure, speed of turn around, and much more…

3. Solution

Present you with a range of options and recommend the most competitive and appropriate solution to fit your needs.

4. Application

Prepare, package and lodge your application whilst continually following up the lender to ensure a prompt and hassle-free approval process.

5. Approval & Settlement

Once we recieve approval, we will review and execute loan documents and act as the main point of contact with all stakeholders (bank, solicitor, agent, accountant, etc,.) to ensure a smooth and timely settlement.

6. Provide Ongoing Service

Act as your primary lending expert moving forward to answer any queries regarding your existing or new loan facilities, providing market updates, and continually review and renegotiate your interest rates.

It's time to begin

The Peninsula Broker offers every client carefully considered loan advice. As an experienced broker, we are dedicated in doing all the leg work for you on the lending journey. Whether you are new to the buyer market, considering refinancing, or you have a complex structure that you want a professional to manage for you; we will work to get you the best rate on your loan, saving you both valuable time and money at no extra cost. Our difference is we also look at your long term opportunities, ensuring your wealth for the future by maintaining a long term relationship with you.