A mortgage broker is a trustworthy guide in your home-buying journey. They are a home loan expert who works on your behalf to help you find the right loan product and apply for a home loan with the lender. Choosing and applying for a home loan can be complicated and involves lots of back and forth with different lenders. A mortgage broker will be able to recommend home loan solutions that suit your personal situation, taking into consideration your goal, interest rates, fees, and charges etc.

Secure Mortgage and Finance will assist you in your home loan process, compare various home loan products provided by various lenders, negotiate the best deal, and provide home loan solution that suits your circumstances and requirements. We do the hard work, so you don't have to, making the process of getting a mortgage as easy and stress-free as possible. We understand your unique needs and financial situation, and we use our expertise to find a loan that fits just right. We're here to guide you, support you, and make the process simple and straightforward.

A mortgage broker gives you access to a broad range of loans from various lenders and can help you find the best home loan solution that suits your needs, not just one that the bank wants to sell. We guide you through the process, making it as easy and stress-free as possible. It is a statutory requirement that a Mortgage broker is required to act in the best interest of the client.
You are not required to pay anything to use Secure Mortgage and Finance to get your loan approved and settled. There is no additional cost or no hidden charges to be borne by Client. We are paid by the lender.
The amount you can borrow depends on several factors, including your Income, Expenses, Liabilities, credit score and other related factors. Contact us today to understand your borrowing capacity.
Just pick your phone and call us to discuss your loan requirements. We will then ask you to complete an online portal where you provide all your personal and financial information and upload your supporting documents. Once we have reviewed these, we will recommend suitable home loans. On your confirmation, we will lodge the application with the Bank. We will monitor your application and liaise with the bank as and when required to get your loan approved.
To get quick, easy and hassle-free approval below documents are required:
  • A copy of Driver’s License for identity & address proof
  • A copy of two most recent payslips
  • Recent statement for all savings accounts
  • Recent statements for all credit cards, personal loan, car loan, etc. if applicable, for all applicants
  • Last 3 months rent statement of current property ( if applicable )
  • Rental appraisal from Real estate agent if property is an investment property
  • Contract of sale (if property finalised – not required for pre-approval)
We recommend getting a Pre-approval before looking for a property as this will give a clear idea about the budget and help refine property search helping save your valuable time and energy.
Loan to Valuation Ratio (LVR) is the percentage of the total value of the property or asset that you.ve borrowed. To work out your LVR, take the amount you plan to borrow or your existing loan amount and divide it by the value of your asset. This figure is your LVR.
Lender Mortgage Insurance is a one-off and non-refundable amount that can be added to the home loan. When the Loan amount more than 80% of the property value is borrowed, the lender will seek mortgage insurance to protect the lender from losses. Mortgage insurance provides coverage to the lender if borrower is unable to repay the loan.
Usually up to 80% of the value of your property can be borrowed without LMI. However, some may allow to borrow up to 90 % to 95% but borrowing more than 80% of the value of the property will attract lenders mortgage insurance in most cases. There are some circumstances where there will be no LMI for loan up to 90% to 95% such as professional waiver Package, first home buyer Guarantee Scheme etc.
Equity is the value of your property, minus any outstanding loans (i.e. the money you owe). In simple Term, equity can be defined as the amount of money the owner of an asset would be paid after selling it and any debts associated with the asset were paid off. For example, if you own a home that’s worth $200,000 & you have a mortgage of $50,000, the equity in the home would be worth $150,000.