If the ‘devil’ is in the detail
You need Home Loan Saint!
We work with you to help you get the best home loan!
0439 310 066
We come out to you
when it suits you!
BOOK AN APPOINTMENT NOW!
Why Choose Us
Easy to Deal With
Happy to talk over the phone and meet up when it suits you
Honest Old Fashioned Service
We know buying a home can be scary and overwhelming so we are always available
We Come To You
We can meet at our office or at your house, work or somewhere easy for you
Over 13 Years Experience
First Home Buyers, Investment Loans, which ever house you’re up to. We know how to get you the best loan for your situation
A Simple Decision
Home Loan Saint
By using our expertise you can find the right home loan very quickly. We will even deal with the lender on your behalf making the entire process of applying for a mortgage as effortless as possible.
What we will do for you-
1. Discuss your goals and formulate a plan to meet these.
2. Complete an application form and collect supporting documentation that we then send to the lender for pre-approval.
3. Once you find a property that you wish to purchase we recommend you confirm purchase and lending calculation based on the property you wish to buy. You may be buying for less than planned or have save some additional funds so this allows you to know exactly what you are looking at before placing the offer.
4. Final loan amount determined and final decision made on lender and loan product.
5. Application for formal approval made and valuation to confirm property value is normally completed by the lender.
6. First home owners grant form submitted to the lender if required.
7. Loan contracts are checked by us at Home Loan Saint before you sign.
8. Once they are complete they are returned to the bank where your solicitor can book in settlement.
9.On the afternoon of the day of settlement you can pick up the keys to the house from the agent and move in! Your lender will have advanced the funds and will usually send you a letter to inform you when the first repayment is and confirming how the repayments are being made.
Residential products have been categorised by purpose, loan type and features available:
– Home property purchase
– Investment property purchase
– Home construction
– Any other worthwhile, non business purpose
– Professional packages
– Redraw facility
– 100% offset account
– Interest only
– Split rate (fixed / variable)
– Progress draw (for building purposes)
– Standard variable loan
– Basic variable loan
– Introductory rate or honeymoon loan
– Fixed rate loan
– Bridging loan
– Credit impaired loan
– Low doc loans
– Line of credit or equity loan
– All in one account
“Brett’s knowledge and assistance the refinancing put us in a better position financially”
Brett organised our loan with a smaller lender at a great fixed rate when we purchased 4 1/2 years ago. When the GFC hit Brett made contact with us in the knowledge that rates were about to fall significantly. We were able to leave our fixed rate loan at that time with very minimal exit fees and take advantage of the low variable rates on offer with one of the major banks. With Brett’s knowledge and assistance the refinancing put us in a better position financially than had we done nothing. Overall, Brett made the finance process for the initial home purchase and then the refinance very painless and easy.
“the application process through to settlement was very smooth”
Brett met my partner and I several times with our plans to buy a family home. We felt very comfortable with approaching Brett with different scenarios and plans that we had. Brett took the time to ensure we understood the process and that we were educated about things such as mortgage insurance which we did not fully understand prior to starting this process. After several months of planning we purchased a home in Ringwood and the application process through to settlement was very smooth. We have already and will continue to refer friends and family to Brett.
“Brett was very proactive”
Brett helped my wife and I buy our first home 4 ½ years ago. That process was very smooth and easy. When our 3 year fixed rate expired Brett was very proactive in ensuring that we did not roll out into a high variable rate but into a heavily discounted variable rate. For any future finance needs we have in the future our first phone call will be to Brett.
WE CAN COME TO YOU
679 Boronia Rd
Wantirna Vic 3152
9 AM- 5 PM on Weekdays
10 AM -12 PM on Saturday
or when suits you!
Brett Moyle is a credit representative
(Credit Representative Number 399507)
of BLSSA Pty Ltd ACN 117 651 760
(Australian Credit Licence No. 391237
Copyright 2018 Home Loan Saint