We work with lenders including
ANZ
The Co-operative Bank
Independent mortgage advice
15 years in banking and commercial lending. We understand banks better. Whether you’re buying a home, refinancing, or funding a business, we’ll help you explore lending options that fit your goals and guide you through the process from start to finish.
What brings you here?
Pick one and we’ll point you to the right place.
15 years
in banking and commercial lending
5-star
rating on Google
Banks + more
major banks, smaller banks and non-bank lenders
$0
usually what our advice costs you for residential lending
We work with lenders including
ANZThe Co-operative BankHow we can help
From your first home to your next business premises, we start with your situation and work out what lenders are likely to do.
Talk to Mortgage Pundit15
years in banking
With 15 years’ experience in business and commercial lending, we understand the information lenders consider when assessing an application. We’ll help you present your circumstances clearly, answer questions, and understand the options available.
How it works
Four clear steps, and we keep you informed at each one.
A free conversation about your goals, income and commitments.
We work out your borrowing position and compare options across lenders.
We prepare and present your application and deal with the lender.
Through to settlement, then a check-in before your rate ends.
Free tools
An extra $100 a week on a $600,000 loan at 5.5% could clear it about 7 years sooner and save around $169,000 in interest. Try your own numbers.
Illustrative only. Assumes the same rate for the whole term. Lending is subject to lender criteria.
Client stories
Naren is a master of the home buying process and stood by their motto of “We will get you home”. From our initial meeting and through to settlement, he advised and clarified any questions with his extensive knowledge every step of the way! Very impressive service, five stars!
I would like to thank Naren who had helped us refinance our mortgage for the second time recently. He is very friendly, patient, helpful, and goes the extra mile. He’s also very knowledgeable, responsive, and makes the process easy for clients to understand.
I feel truly blessed to have connected with Naren ji, who helped me get the loan sorted for my first home … My case was quite complex, but thanks to his expertise and experience dealing with banks, he managed to secure home loan offers from multiple lenders.
We were impressed by his deep knowledge and expertise in the Mortgage industry. His frequent communication and responses kept us informed about his dealings with different banks … We like his friendliness, professionalism and his willingness to address any concerns or questions we had!
Dream comes true. With the help and advice of Mr. Naren, we could buy the property which was looking impossible to us otherwise. He understood our requirements and worked with us through out until the end.
We had a great experience working with Naren to buy our first home. He guided us through every step of the mortgage process, made everything easy to understand, and was always supportive and helpful. We’re truly grateful for his advice and help in making our dream of owning our first home a reality.
Questions we hear often
Ideally before you make an offer or change your lending. Early advice shows you where you stand and what lenders may ask for.
No. A bank offers its own loans. We compare across lenders and help with the application, while the lender makes the final decision.
For home loans, usually not. In most cases the lender pays us when your loan settles. For business lending we charge a fee, which we agree with you before you go ahead.
Some lending options are available to eligible buyers with a lower deposit. It depends on lender criteria, your finances and the property.
For a first home, usually yes. After 3 years as a member you can withdraw most of your savings, leaving at least $1,000.
It depends on how much flexibility you need. Many borrowers split their loan: part fixed for certainty, part floating for extra repayments.
You can, but there may be a break fee. We’ll check whether the interest you’d save outweighs it before you decide.
Often, yes. Lenders assess income, debts and credit history differently, and non-bank lenders may help where banks won’t.
Often, yes. Most banks want 2 years of financials, but some lenders may consider less or accept other evidence of income.
Pay fortnightly, keep repayments the same when rates drop, or use an offset or revolving account. Try the calculator above.
A no-obligation conversation about your lending options.