Buying Your Next Home.

Move Into Your Dream Home Sooner.

Family happy after getting their next home loan

Home Buying Success Starts Here!

Are you ready to upgrade to your dream home, downsize to a smaller home, or buy an investment property?

Our team can help secure maximum borrowing power on the most attractive finance package available, tailored to your individual circumstances.

We use the latest technologies to quickly evaluate hundreds of home loan options. Then we aggressively negotiate directly with the lenders to get you the most competitive deal, this might include cash-back offers, lower interest rates, decreased fees, more flexible terms, or better features.

Talk to our friendly team today to discover how Specialist Mortgage can help you achieve your property goals sooner.

Hundreds Of Tailored Home loans Options.

Home Loans from over 30 Trusted Lenders.

Let us quickly perform a free mortgage assessment to ensure the most suitable home loan package for your individual circumstances and preferences. 

Australian Military Bank
Suncorp Bank
Bank of Melbourne
Bluestone Home Loans
St. George Bank
Bluebay home loans
AAA Financial Corporation
ANZ logo
Bankwest Logo
BOQ logo
Commonwealth bank logo
HSBC logo
ING logo

Ready to buy?

There are some things you should consider first to make you’re move a success.

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Equity.

The equity in your home equates to your property value minus the amount owing on your mortgage principal. The more equity you have, the lower your risk which can open up alternative features and a lower rate.

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Pre-approval.

Having pre-approval means you’ll know how much you can borrow (and spend!) making your offer to purchase a home a little more certain. Pre-approval helps keep you within your budget as well as negotiate on price.

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Next move.

Selling your current home and purchasing your second home can be a challenging process. Specialist Mortgage work with you to provide clarity and simplify the process so you can move into your new home faster.

It’s Our People That Excel.

Partner With Our Award Winning Team.
Specialist Finance Group 2016 International Broker of the Year
Specialist Finance Group 2016 International Brokerage of the Year
Specialist Finance Group 2017 International Broker of the Year
Specialist Finance Group 2017 International Brokerage of the Year
Specialist Finance Group 2018 International Broker of the Year
Specialist Finance Group 2018 International Brokerage of the Year
Specialist Finance Group 2019 International Broker of the Year
Specialist Finance Group 2019 International Brokerage of the Year
MPA 2021 Top 100 Broker
Specialist Finance Group 2021 National Residential Broker of the year Winner
Specialist Finance Group 2021 WA Broker of the year Winner
Specialist Finance Group 2021 WA Brokerage of the year Finalist
The Adviser Australian Broking Awards 2022 Finance Broker of the Year Finalist
MFAA 2022 - Finance Broker Business Award - State Finalist
MFAA 2022 - Residential Finance Broker Award - National Winner
MFAA 2022 - Residential Finance Broker Award - State Winner
Specialist Finance Group 2022 Finalist - WA Broker of the Year
Specialist Finance Group 2022 Winner - WA Broker of the Year
Specialist Finance Group 2022 Finalist - WA Brokerage of the Year
The Adviser Better Business Awards Finalist 2022 - WA Best Residential Broker
Women in Finance Awards 2022 Finalist - Mortgage Broker of the Year
The Adviser Better Business Awards Winner 2023 - WA Best Customer Service (Individual)
The Adviser Better Business Awards Finalist 2023 - WA Best Customer Service (Office)
2023 MFAA - Customer Service Individual Award - State Finalist
2023 MFAA - Finance Broker Business Award - State Winner
2023 MFAA - Finance Broker Business Award - National Finalist
2023 SFG National Residential Broker Of The Year Finalist
2023 SFG WA Brokerage Of The Year Finalist
2023 SFG WA Broker Of The Year Finalist
2023 SFG Group Excellence Award Finalist
2023-MPA-EliteWomen2023
2023_WIFA_Mortgage-Broker-of-the-Year_Finalist
2023 AMA Resimac Brokerage Of The Year (6-20 Staff)
2023 AMA Broker Of The Year Specialist Lending - Helen Avis
2023 SFG WA Broker Of The Year Winner
The Advisor Better Business Awards 2024 - Best Finance Broker Winner
2024 MFAA Residential Finance Broker - State Winner
Stylish home in Queensland that was purchased with next home loan

How To Use Equity To Buy Your Next Home.

If you already own property, you may be able to use the equity towards the deposit on your next home. The equity is the financial value in your current home, less any money owed on it, such as the mortgage principal.  

If you have enough equity in your current property, you may even be able to buy your next home using a no cash deposit by using the current home as security on the new mortgage debt.  

You may build up enough equity in your home over time by paying down the mortgage debt, or due to the property value increasing over time, or even through home improvements. 

Whilst using equity has its advantages, there are also risks involved such as mortgage stress created with interest rate rises, negative equity if home values decrease, or home foreclosure if you are unable to meet repayments due to changes in financial circumstances. 

Stylish home in Queensland that was purchased with next home loan
Brisbane skyline

Is A Bridging Loan the Solution?

If you need to sell your current home to finance the purchase of your next home, timing the two transactions can be tricky. 

A short-term bridging loan could provide a solution so that you can move into your new home before you have sold your current property.  

Whilst a bridging loan may assist with the transition into your new home, it’s imperative to be aware of the potential drawbacks such as increased mortgage costs, higher interest charges and possible loan termination fees.  

There may be a risk that you may sell your home for a lower than anticipated price. You must be sure this won’t lead to financial difficulty if you are left with a larger than expected mortgage, or if you are faced with having to find cash to bridge a shortfall.  

An even bigger risk is if you don’t sell your home at the required time. Not only will you pay more in interest during this period, but the bank may also intervene to sell your home, often for less than you would have liked.

Next homes in Melbourne

What Are The Upfront Costs of Buying a Home?

You have saved the deposit to buy your home, now let’s review the other upfront costs of buying a house

Stamp Duty.

Is a state tax and likely to be one of the largest upfront costs. You may be eligible for stamp duty concessions or exemptions depending on your individual circumstances. Check your state or territory government’s website for current information 

Transfer Fee.

Is a state government fee for transferring the ownership of the title. Costs vary greatly from state to state.  

Mortgage Registration Fee.

Is a state government fee to register the mortgage on the property title.

Legal Fees and Conveyancing Fees.

Are fees from your solicitor or licensed conveyancer to review your contract, perform checks on the title, draft the settlement documents, and carry out the process of transferring the property to you. 

Mortgage Application Fees.

Are the fees your lender charges to process and set up your mortgage. 

Lenders Mortgage Insurance.

If your deposit is less than 20% you may be charged Lenders Mortgage Insurance (LMI) to protect the lender, should you not be able to meet your mortgage repayments.

Valuation Fees.

Are fees to conduct a valuation of the property.

Building and Pest Inspection Report.

It is highly recommended to purchase a detailed building and pest inspection report conducted by a qualified professional. This should be arranged prior to going to contract, or you should include a suitable building and pest clause in the contract.  

Home, Building and Contents Insurance.

It is compulsory to have building insurance before going to settlement. States have different requirements in terms of timing, some require insurance at settlement whilst others require it at unconditional contract. You should read the insurance product disclosure statement and shop around as premiums vary greatly by provider. 

Moving Costs.

It is recommended to get at least 3 quotes for the removalists. You should also factor in the delivery costs for new white goods and furniture.

Utility Connections.

Budget for the connection and ongoing costs of utilities such as electricity, gas, water, internet.

Next homes in Melbourne

Home Loan Calculators.

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Borrowing Power Calculator.

Start your buying journey and find out how much you may be able to borrow today.

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Deposit and Saving Calculator.

Calculate your projected savings over a period of 1 month to 5 years with our calculator.

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Buying & Selling Costs.

Take into account additional fees like stamp duty, building inspections and more.

Free annual home loan reviews.

Yes please!

We have a team solely dedicated to annual client home loan reviews.

If there is a more suitable home loan that could put money in your pocket rather than the banks – we will let you know!

If there is an opportunity to negotiate a better deal with your current lender then we will pursue it!

Conversely if your circumstances change we can review your current situation and find alternative options for refinancing or renegotiating to suit your situation.

Get A Free Review.

Older couple discussing their next home loan with a mortgage broker

In house real estate professionals.

To help with buying, selling and property management.

Specialist Mortgage and aussieproperty.com are part of the SMATS Group of companies, who are international leaders in providing taxation, finance, investment, and real estate services to since 1995.

aussieproperty.com real estate agencies are located in Sydney, Brisbane, Melbourne, Perth, and Singapore. Their friendly team can assist you with:

  • Residential property sales
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  • Residential property management
  • Property development
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