Home Loans

Home loan broker

Navigating the vast array of home loan options can be challenging when done alone, as there are hundreds of different home loan products on the market. Collaborating with home loan brokers, such as Mint Equity, is like having a personal shopper who expertly tailors the home loan choices to fit your specific needs and lifestyle. Banks and lenders frequently update their credit policies, sometimes as often as weekly, making the interest rate and product features just a small part of the overall decision-making process in selecting the most suitable home loan. This is where the expertise of Mint Equity becomes invaluable. Mortgage brokers consistently monitor these policy changes, ensuring that your home loan application is not only well-prepared but also stands the highest chance of being approved.

  • Refinancing your mortgage with the assistance of a home loan broker can offer several key benefits. Mint Equity can help you navigate options to reduce your home loan repayments, prepare for future rate increases, and decrease the principal amount of your home loan by maintaining your current repayment amounts. Additionally, a home loan broker can guide you in unlocking equity from your property for renovations or as a deposit for an investment property, and in consolidating debts like car loans or credit cards into your home loan for a lower rate.

    We can also help you capitalise on lender promotions such as cash-back offers. For example, Mint Equity recently helped a client save $32,000 annually on her home loans, demonstrating the substantial savings potential. A home loan broker simplifies the process by providing clear loan comparisons and managing paperwork, including discharging old loans.

    Click here to find out more about our refinancing services.

  • Embarking on the journey to buy your first home can be both thrilling and overwhelming.

    At Mint Equity, we are dedicated to guiding first-time homebuyers through this process, offering home loan broker advice and support. We provide access to over 40 lenders, ensuring the best interest rate and home loan structure for both immediate and long-term needs.

    A unique offering from us is the opportunity for first-time buyers to purchase a property with a 0% deposit using their parents' home equity. We work closely with both parties, ensuring comfort with this arrangement and offering various government-backed schemes like the First Home Guarantee, Family Home Guarantee, and Regional Home Guarantee, each with specific criteria and minimum deposit requirements. We assist in understanding these options and submitting applications for the most suitable scheme.

    Click here to find out more about our First Home Buyer loan services.

  • Managing superannuation through a Self-Managed Super Fund (SMSF) opens up rewarding investment options, including property. Since 2007, superannuation law changes allow SMSFs to use Limited Recourse Borrowing Arrangements, letting them borrow for investments using part of their superannuation as a deposit. However, SMSF lending is more complex than standard home loans, and only a few lenders offer it.

    At Mint Equity, we specialise in SMSF loans, guiding clients through the process from determining maximum loan amounts to securing pre-approved finance, simplifying everything from pre-approval to settlement. Our services are free, as we are remunerated by the lender upon loan settlement.

    We provide essential insider knowledge to expedite pre-approval and settlement in a market where only a select few lenders offer SMSF borrowing options.

    Click here to find out more about our Self Managed Super Fund loan services.

  • Whether starting a new venture or growing an established business, securing the right financial foundation is crucial for success. Every small business has unique financial needs, and the right business loan can spur growth and savings. However, business lending is more complex than residential mortgages, requiring expert guidance for optimal approval chances. At Mint Equity, we have extensive experience in business finance and commercial lending, understanding lender policies' nuances. Our detailed, solution-oriented approach to loan applications considers all options to elevate your business. We specialise in complex lending scenarios, including commercial property purchases and investments via a Self-Managed Super Fund (SMSF). Our expertise is offered free of charge, as we're remunerated by the lender you choose.

    Business loans are seen as higher risk, so banks closely scrutinise business performance and director stability. Commercial property loans often require higher interest rates and larger deposits, generally around 30%. We stand out in handling complex applications involving companies, trusts, and SMSFs, ensuring tailored financial solutions for your business needs.

    Click here to find out more about our business loan services.

  • Low deposit home loans, typically under 20%, are a specialty of ours at Mint Equity. We understand that securing a home loan with less than a 20% deposit can be challenging due to the increased risk it poses to lenders. However, we offer a range of solutions to help clients overcome this hurdle. Our services include guiding you through government schemes that support low deposit loans, utilising family guarantees, or exploring Lenders Mortgage Insurance (LMI) options.

    For property owners, we can leverage the equity in your existing property to finance additional purchases with minimal or no cash deposit. We cater to a diverse range of clients, including professionals who may qualify for LMI waivers.

    With access to over 40 lenders, our team is adept at finding the best low deposit home loan to fit your unique needs and financial situation.

    Click here to find out more about our low deposit loan services.

  • Doctors and medical professionals benefit from LMI waivers and interest rate discounts through specialised medico home loan policies available at certain banks. At Mint Equity, we excel in finding the best home loans for doctors from a pool of over 40 lenders.

    Our lenders offer expedited approvals, sometimes within 24 hours, ideal for clients including the self-employed. We provide access to a diverse range of lenders, ensuring a broader selection of loan products and interest rates, particularly specialised doctor home loan programs with benefits like reduced interest rates and waived LMI.

    Click here to find out more about home loans for health and medical professionals.

  • Navigating the complexities and higher costs of commercial property loans is more straightforward and cost-effective when working with a knowledgeable commercial finance broker like us at Mint Equity. Home Loan Broker and Finance Broker, Zac Peteh, leverages his background in commercial lending to provide investors, business owners, and SMSF holders with comprehensive commercial financing guidance. We work closely with our clients, ensuring they have access to a wide range of commercial property lenders, offering both full doc and low doc options. Our commercial financing services cater to various needs, including purchasing properties as individuals, under trusts or companies, or through SMSFs, as well as financing for buying or upgrading equipment, property renovations, fit-outs, and refinancing existing loans.

    With access to over 40 lenders, we at Mint Equity are equipped to guide our clients in securing the best commercial loan that suits their specific needs and timelines. We offer numerous options and methods to reduce both upfront and ongoing costs. Engaging with us early in the process can help address any concerns about commercial finance, ensuring our clients make informed and successful investment decisions in the commercial property market.

    Click here to find out more about how we can assist with your commercial property loan.

  • At Mint Equity, we recognise the challenges posed by Lenders Mortgage Insurance (LMI) for clients who are unable to provide a 20% deposit. Our expertise lies in devising strategies to mitigate or completely waive the LMI, ensuring a more streamlined and cost-effective home buying experience.

    We specialise in securing low deposit home loans, utilising instruments such as family guarantees or leveraging government schemes, tailored to bypass LMI requirements. Our proficiency extends to negotiating LMI waivers for professionals for a wide range of health professionals like doctors, dentists, physiotherapists, chiropractors, pharmacists, and veterinary practitioners, as well as for accountants, nurses, midwives, lawyers, and even professional athletes.

    Click here to find out more about how we can assist with a waived LMI loan.

  • At Mint Equity, we specialise in streamlining the process of securing car loans, taking the stress and effort off your shoulders. Whether you're eyeing a family wagon, a dream car, or even recreational vehicles like motorbikes, caravans, boats, or jet skis, we've got you covered. Our service is ideal for those who can't afford outright purchases but can manage monthly loan repayments. We stand out by doing the heavy lifting for you – no need to get lost in online comparisons.

    Just tell us what you need, and we'll compare rates and terms from our lender panel, presenting you with a clear, concise shortlist. With Mint Equity, you get full transparency on product details, ensuring no surprises down the line. Let us handle the complexities of car loan approvals while you focus on choosing the right vehicle.

    Click here to find out more about our car loan services.

Free home loan broker services

Using Mint Equity as your home loan broker comes at no cost to you. Our remuneration comes from the lender you select, ensuring our services are free for you. We pride ourselves on offering a premium service, packed with features designed to secure the right home loan for your needs. We service the whole of Australia so regardless of whether you are located in Sydney, Central Coast, Newcastle, Brisbane, Gold Coast, Melbourne, Tasmania, Adelaide, Darwin or Perth, you can benefit from our services.

Whether it's securing your first home loan, seeking better refinancing rates, or expanding your property portfolio, partnering with Mint Equity means you have the support of a team with over 28 years of banking and lending experience. Reach out to us today to discover the most suitable home loan for your specific circumstances.



Frequently Asked Questions

  • Lenders require that you have minimum of 5% deposit of the property’s purchase price before taking out a home loan. However, in situations like a ‘Family Guarantee’, this deposit can be lower. The minimum deposit depends on the loan type and lender's terms, but the maximum amount is up to you. Remember that you may have to pay Lender Mortgage Insurance (LMI) if your deposit is less than 20% of the property’s price, unless you qualify for an LMI waiver.

  • Yes. You can repay your home loan at any time without incurring early exit or early termination fees. Whilst these fees are banned in Australia, the lender may still impose a small fee if you break a fixed-rate agreement. It's important to check with the lender on early repayment terms and associated charges.

  • Yes. You can use your home equity to invest in another property. You can access up to 80% of your home equity, depending on the lender’s terms and how much of the loan you’ve actually repaid. The equity may serve as a deposit for the second property while your current home secures the new loan.

  • There are numerous home loan options available to home buyers. All these loans have varying complexities and terms. Work with Mint Equity to find a loan with favourable terms. A trusted mortgage broker, we have access to over 40 lenders and 100 loan products, and we scrutinise each of them when choosing the right home loan for our borrowers.

  • Not all home loans are the same. There are several different types of loans you can take out to buy a house, including investment home loans, refinancing home loans, reverse mortgages and bridging loans. The trick is knowing which type to get in the first place to minimise your costs and allow the most flexibility.

  • Home loan terms and conditions vary between lenders and loan types. In most cases, they are pretty straightforward and generally dictated interest rates, repayment periods and penalties for breach of contract. You’ll find the loan terms listed in the agreement document.

  • There are numerous home loan options for first-time homebuyers. The biggest problem is finding a loan product and lender combination that fits your financial situation. Let Mint Equity help you make the right decisions when choosing home loans in Sydney.

  • You can refinance or change lenders for your home loan at any time. However, if you break a fixed interest rate loan, there may be additional costs. If you find that a different lender or loan product suits you better, you can go ahead and make the switch.

    Mint Equity is your trusted partner in hunting for the best home loans in Australia. We pair you with a suitable lender and help process your loan at no fee at all. Get in touch to learn more.