Mortgages

Mortgages

The Loan Process Made Easy!

We’ve been around for a while… as finance brokers since 1998, either helping to secure the dream or just providing good honest advice! Our team has real experience – something you can rely on and what makes a difference when you need to find the right loan. Our easy process means securing that right loan is as simple as reaching out to us!

Discovery

Discovery

Our first step is to learn what you need, we’ll complete this with you or send you an easy online form.

Research options

Research Options

Once we know what you need and your specific circumstances, we get to work, do the research and send you options.

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Select the Loan that Suits You

If you like what you see, you simply choose the loan that suits you and we’ll take care of the rest. Easy!

How do I qualify for a home loan?

At Premium Finance Group Australia, we take an unbiased practical approach to your home loan application. In most cases, we will need to understand your current circumstances for things like how you earn an income and what funds or equity you have to complete a purchase or refinance. We make this process easy and present you with options you can consider and choose.

Whether you’re self-employed, a first home buyer, want lower repayments or perhaps even have poor credit / low deposit, get in touch with a PFGA Finance Adviser today to see how we can help you secure your home loan.

What is a variable home loan?

A variable interest rate home loan is where the interest on your mortgage varies or changes as market interest rates change. As a result, interest rates will vary. An alternative to this is a fixed-rate home loan, where mortgage payments are charged at the same interest rate for an agreed period of time. Premium Finance Group Australia can present offers for a range of ‘Out of the box’ variable and fixed rate home loan options.

What size deposit do I need for a home loan?

Generally, the larger deposit you have for a loan, the better. However, at PFGA we understand that not all borrowers can pull together a large deposit, especially if it’s their first home. Deposits less than 20% often also require lenders mortgage insurance. At Premium Finance Group Australia, we access a large panel of lenders providing different options to help you find the solution that works best for you.

How do I qualify for a home loan?

At Premium Finance Group Australia, we take an unbiased practical approach to your home loan application. In most cases, we will need to understand your current circumstances for things like how you earn an income and what funds or equity you have to complete a purchase or refinance. We make this process easy and present you with options you can consider and choose.

Whether you’re self-employed, a first home buyer, want lower repayments or perhaps even have poor credit / low deposit, get in touch with a PFGA Finance Adviser today to see how we can help you secure your home loan.

What is a variable home loan?

A variable interest rate home loan is where the interest on your mortgage varies or changes as market interest rates change. As a result, interest rates will vary. An alternative to this is a fixed-rate home loan, where mortgage payments are charged at the same interest rate for an agreed period of time. Premium Finance Group Australia can present offers for a range of ‘Out of the box’ variable and fixed rate home loan options.

What size deposit do I need for a home loan?

Generally, the larger deposit you have for a loan, the better. However, at PFGA we understand that not all borrowers can pull together a large deposit, especially if it’s their first home. Deposits less than 20% often also require lenders mortgage insurance. At Premium Finance Group Australia, we access a large panel of lenders providing different options to help you find the solution that works best for you.

Book an appointment with us!