Brokers in Sydney
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Loans
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Getting a home loan shouldn't be complicated
When deciding between using a mortgage broker or going directly with a bank, it’s important to understand that your bank may not inform you about cheaper options from other banks or lenders that better suit your needs. A mortgage broker can offer a comprehensive comparison of available loans. Furthermore customer satisfaction surveys consistently rate mortgage brokers higher than bank managers. We manage the complexities of loan applications and deal with the banks on your behalf.
Our mortgage brokers are highly trained and experienced, specialising in personalised finance solutions. We conduct 6 monthly reviews to ensure your loan remains competitive, as banks can change rates after approval.
Our office is based in Sydney and we take pride in servicing clients across different states of Australia.
Yes, we look after many Australian Expatriate clients (Aussie Expats) residing outside of Australia such as Singapore, Hong Kong, United Kingdom, United States, Canada and Europe.
Generally preapprovals are valid from three to six months. If your preapproval expires before you secure a property, we can help in requesting an extension.
Yes, we have helped many clients access government grants and incentives available for first home buyers, including the First Home Owner Grant (FHOG) which provides financial assistance towards purchasing or building a new home.
The First Home Guarantee, Regional First Home Buyer Guarantee and Family Home Guarantee offer further support with a smaller deposit being required to purchase a home to live in. For property investors, there may be tax benefits and depreciation allowances. At Artemis Finance we can provide detailed information on these programs and how they can benefit you.
To qualify for a First Home Owners Grant or Stamp Duty Concession, each state sets specific requirements. These generally include verifying your citizenship or permanent residency status, ensuring the purchase price meets defined criteria, and confirming it’s your first home purchase.
Yes, certain properties may involve unique challenges when it comes to obtaining a mortgage such as high rise apartments, heritage listed properties or properties on limited or company title. These properties may require additional assessments, approvals or specific loan products. At Artemis Finance, we can help you navigate these complexities and connect you with lenders who specialise in financing these types of properties.
Your settlement costs can be categorised into three main parts: government fees & charges, legal fees & charges, and bank fees & charges. The exact amount will vary based on the purchase price of the property and other relevant factors, depending on the state that you purchase in.Typically we provide an estimate of these costs at preapproval so that you can plan accordingly. Then it will be updated once you find the right property to purchase. Our goal is to ensure you have a thorough understanding of the financial responsibilities associated with your property purchase.
We take pride in our responsiveness and efficiency. When it comes to securing your loan approval, we work at a pace that aligns with your comfort level while ensuring timely delivery. The standard settlement period ranges from four to six weeks. With our extensive experience, we are well versed in the necessary steps and timelines required for a successful outcome. We know exactly what needs to be done and involve the right professionals as required. As a trusted mortgage broker, you can have full confidence in our track record. We have a flawless record of never missing a settlement within our control or losing a deposit. This is what sets us apart.
Yes! Refinancing an existing mortgage can be a strategic financial decision to secure better interest rates, tap into home equity, or adjust loan terms to better suit your needs.As your mortgage broker, we will evaluate your current mortgage and financial situation thoroughly. We will explore the range of options available to you and provide guidance through the refinancing process. This could potentially lead to savings on your monthly payments, reduce the overall interest paid over the loan term, or help you achieve other financial objectives.
