Whether it's your First Home, Next Home or Dream Home, we're on your side

Purchasing a home is a significant milestone for many Australians, and at Grove Brokerage, we understand the importance of finding the right Home Loan to suit your needs. With numerous Home Loan options available from banks and lenders across Australia, the process of buying a home can be both exciting and complex. Our goal is to simplify this journey, ensuring you have access to tailored solutions that align with your financial situation and property aspirations. Whether you're a first-time buyer or looking to expand your property portfolio, we are here to assist you every step of the way.

When considering a Home Loan, understanding the various interest rate types is crucial. At Grove Brokerage, we offer insights into both fixed interest rate home loans and variable home loan rates. A fixed interest rate provides stability by locking in your rate for a set period, safeguarding you from market fluctuations. On the other hand, a variable interest rate may offer more flexibility, potentially benefiting from interest rate discounts over time. Our experts can help you weigh the pros and cons of each option, ensuring your choice aligns with your long-term goals.

Another critical aspect of applying for a home loan is assessing your borrowing capacity and preparing for the Home Loan application process. Factors such as credit history, loan amount, and loan to value ratio (LVR) play a significant role in determining your eligibility and the terms of your loan. We assist in reviewing your financial situation and provide guidance on how to strengthen your credit history, making sure you're in the best possible position when you apply for a home loan. Understanding the importance of documents like bank statements during this process is also vital, as they provide lenders with insights into your financial habits.

Lenders mortgage insurance (LMI) and stamp duty are additional considerations when purchasing property. LMI is generally required if your deposit is less than 20% of the property value, while stamp duty varies by state and can significantly impact your overall costs. Our team at Grove Brokerage helps you navigate these expenses, offering strategies such as using an offset account to reduce interest payments or accessing home equity for future investments. We aim to provide you with a comprehensive understanding of the costs involved in buying a home, helping you manage them effectively.

To enhance your experience further, we offer a streamlined application process designed to ease the journey of applying for a home loan. This includes services like Home Loan pre-approval, which can give you a competitive edge in the property market by demonstrating to sellers that you're a serious and qualified buyer. Calculating home loan repayments is another service we provide, ensuring you have a clear picture of what to expect financially each month.

At Grove Brokerage, our mission is to empower Australians in their property endeavours by offering expert advice and access to a wide range of Home Loan options from banks and lenders across Australia. Our experienced team is ready to guide you through every stage of buying a home, from understanding home loan interest rates to exploring strategies that suit your lifestyle and future plans. If you're ready to take the next step towards owning your dream home or expanding your property investments, reach out to us today and discover how we can assist you in achieving your goals.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Our Recent Reviews

Having used Kelvin a few times now, wouldn’t go anywhere else! Goes above and beyond. Clear and quick communicator. Highly recommend.

Scott Bilby

Kelvin has been our broker for much of the past 10 years, even before Grove Brokerage. He's always gone above and beyond to help us get the best loan for our circumstances and goes the extra mile to get our loans across line quickly and ...

Amy Fraser

I don’t have enough words to thank Kelvin. My financial situation was bit hectic and I have been through quite a few brokers but no one could assist me. Finally I found Kelvin who I was referred to me by a friend and that was undoubtedly ...

Muhammad Sazzad Hussain Chowdhury

I’ve had the pleasure of working with Kelvin from Grove Brokerage on two separate loans, and I couldn’t be more impressed with his service. ...

Nick Brown Edge Property

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Request a Call Back