First Home Buyers
If you are a first home buyer, rest assured that you have come to the right place. Here at Hunter Galloway, we specialise in helping Australians who want to take that first step on the property ladder.
We dedicate a lot of time and energy towards creating videos, blog posts, and training courses to help you to learn about the home buying process. And when you're ready to buy, we'll help to guide you through every step of your home loan application.
We have helped over 1000 people like you to buy their first home. Will you be the next?
Doctors and Medical Professionals
We also specialise in home loans for doctors, and other medical professionals. Due to the nature of your profession, banks and lenders are eligible for special deals, including:
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No LMI on mortgages
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Exclusive interest rate discounts
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Higher maximum borrowing capacity
Refinancers
Refinancing your home loan could help you save on interest with a lower variable or fixed interest rate. Some banks will even give you money refinance your mortgage with them.
Refinancing your home loan can help you:
- Reduce your home loan repayments
- Increase your loan and take cash out
- Consolidate your debt
- Renovate your home
How to refinance your mortgage
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Get a free Home Loan Health CheckWe will compare hundreds of home loans with your current loan to make sure you're getting the best deal
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Fing out how much you can saveYour broker will crunch the numbers and figure out whether you’ll be better off refinancing
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We'll do all the paperwork for youOnce you've chosen your loan, we'll do everything required to submit the loan and get it approved
Investors
Looking to invest in property? We can help you find the right loan and interest rate for your property, whether you're a first-time investor or a seasoned expert.
Our experienced team of brokers have over 30 years of combined experience in investment home loans. We've all invested in property ourselves, so we know exactly how to structure your home loans to maximise your return on investment.
Who we can't help
We are committed to delivering an exceptional experience to each and every one of our customers. And in an ideal world, we would love to be able to help everyone with their finance needs. However, we are a boutique agency and there are only so many people we can help at one time.
We can only take on so many clients and maintain our high standards. It takes us around 40 hours on average to process a home loan application. The worst thing for us would be to take on your loan when we know that we can't live up to the quality of service we are renowned for.
We may not be able to help if you are:
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Are looking at borrowing less than $300,000
Unfortunately, we are unable to process these loans due to the costs involved. It takes us around 40 hours to complete a home loan application regardless of the size of the loan. If we took on loans of this size, we would quickly become unprofitable and go out of business.
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Have bad credit history
Our lending panel includes lenders who are okay with telco or utility defaults under $500. If you have a default higher than this amount or have a default with a financial institution, you will need to apply through a specialist lender. These include Latrobe Financials, Pepper Money, or Liberty Financial.
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Doing a construction loan
Due to the complex nature of construction home loans, we are only able to take on a limited number of these at any one time. We'll let you know upfront if we currently are running over capacity and aren't able to assist.
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Low doc, bridging loans, non-conforming
We have made a conscious decision to focus on helping with home loans where we believe we can deliver the most value. For these types of loans, we feel that you are better served with brokers who specialise in these areas.
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Have less than 5% deposit
Our lenders will allow you to apply for a home loan up to 95% of the home value, but you will need to also pay for stamp duty + costs. In some states this represents an additional cost that needs to be factored into your application, meaning you will need an 5-8% deposit as a minimum.
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Living overseas
Unfortunately, we are only able to assist customers who are based in Australia due to limitations on our credit license. We cannot assist any borrower who is based outside of Australia. This includes anyone living or working in New Zealand, Singapore, or anywhere else abroad.
Australia-Wide services
We are based in Brisbane, but we can help anyone who is looking to buy or refinance property in Australia. If you're out of state, we can process your application via a combination of phone, email and online video conferencing.
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