Looking for a mortgage broker in Corrimal?

A mortgage broker will help guide you through your options. With many lenders and products available it is often hard to know what the best option for you is. Thats where a mortgage broker will step in to help. It is not just about interest rate and fees, it's about your borrowing capacity, the product features, the lender timeframes and your requirements. Mortgage brokers understand lender policies and how they impact your borrowing capacity. We request discounts to the advertised interest rates to lower your repayments; we understand lender approval times and how they impact a purchase or refinance.

At Haus of Loans we will shortlist your top options, advise how much deposit you will need to cover all parts of the transaction, advise you what your repayments will be and give tips on how to improve your borrowing capacity or restructure if its needed.

A good broker is about saving you time and money, but also ensuring the process is smooth, stress-free and you are informed at each step of the way.

Banks have one product, their own. A mortgage broker has multiple lenders and more options; mortgage brokers offer more choices. At Haus of Loans, we have over 70 lenders, we can look at all the lenders in one place saving you time.

Mortgage brokers must act in the best interest of the customer; this is the law. This is called Best Interest Duty. This is a legal requirement to act solely in your best interests, not the lenders' when recommending a home loan. Banks do not have to adhere to Best Interest Duty; they can prioritise their own interest even if this means the loan is not the best fit for your situation.

Over 75% of all loans in Australia are written by mortgage brokers, this is partly to the time savings and the obligations that mortgage brokers must adhere to with Best Interest Duty, ensure they put you first.

Working with a Corrimal mortgage broker gives you more than loan comparisons, it’s about insight into how the Illawarra property market really works. From navigating lender appetite for coastal suburbs to understanding local buyer competition, we combine local knowledge with smart loan strategy, so your finance aligns with your property goals.

Our service is free for most clients. We’re paid by the lender. This payment is not hidden in your loan fees or charges, it is declared upfront as part of the application and again on the loan contracts.

The real value isn’t just “a free service” it’s that you get a solution that is tailored to your needs, we can workshop multiple scenarios and give tips on how to improve your situation. We provide strategic advice, paired with education the make sure you have all the information you need to make an informed decision. Some might say mortgage brokers are solutions based, while banks are transaction based. At Haus of Loans, we ensure the advice and recommendation we make now also alight with your future goals. We look at the big picture.

If you are a first home buyer, we have access to government schemes like the First Home Guarantee that allow first home buyers to purchase without paying lenders mortgage insurance. Whilst there are many lenders who offer this scheme, only some of them offer discounted interest rates that result in lower repayments.,

If you are not a first home buyer, we guide you through the extra cost associated with a 95% loan to ensure you are not paying more than is needed, we make sure you have access to all the information required to make the best decision for you. It's not just about rate and deposit, it's about the extra costs and how this impacts your future.

We have access to more than 70 lenders from the big banks to specialist non-banks lenders. That scope matters because every lender has unique rules on things like casual income, bonuses, or self-employment earnings. Having more choice dramatically improves your chances of approval and often uncovers sharper rates or options.

Absolutely. Refinancing can mean securing a lower rate, unlocking equity, or streamlining your repayments. We make the process simple, so you know when it’s the right time to switch.

At Haus of Loans we have been investing in the property market for over two decades, we know when to loop in your other advisors, like your accountant or financial planner. We want to ensure the changes we make today align with all your future financial needs, as these decisions can impact your living expense, have tax implications or affect retirement objectives.

Yes. We know life is busy, so we offer flexible appointments including mid-week evenings, online or in person.  

Not everyone can discuss their finances during business hours, we understand the juggle of family/work/life. Our office if family friendly if you need to bring the kids or parents along, they are more than welcome.

This really does depend on the lender and their timeframes; some can be as little as 24 hours, and some can take weeks. Full approval depends on the lender and complexity of your situation. The key difference with Haus of Loans is that we package your application correctly the first time, so you avoid the delays and back-and-forth many borrowers experience when going direct.

Not at all. We work with first home buyers, investors, upgraders, refinancers, and self-employed clients. Each group has very different lending challenges, and our role is to navigate lender policies so you’re not boxed into a “standard loan” that doesn’t fit.

Yes, we do help with investment loans. Many banks will hand you a standard investment loan, but not all loans are created equal. We look beyond the basics to match you with finance that supports your broader investment plans without the guesswork of going directly to one bank. Our brokers have their own investment portfolios, we understand how important it is to get the structure and loan correct from the start to ensure your returns are maximised.

Most lenders require ID, proof of income, bank statements, and details of assets and liabilities. What’s often missed is that each lender checks these documents differently. We’ll give you a tailored checklist, flag any potential issues, and package everything so approval is smooth. Our process is streamlined for efficiency.

Yes, we do help with construction and renovation loans. Unlike a standard mortgage, construction finance is released in stages, each tied to progress on your build. That means extra paperwork, lender checks, and strict timelines. At Haus of Loans, we guide you through every step, liaise with your builder, and ensure payments are released smoothly so your project stays on track without unnecessary stress.

Our brokers have built properties so they understand how stressful this can be, your loan should not be part of the stress of building and renovating.

Yes. Being self-employed should not make it harder to get approved. Each lender has different policies and rules, we understand who the lenders are with better policies for self- employed. These may include lenders who only look at one year of your business income vs lots who look at two years, some lenders will not factor in business debts, some will.

We know what lenders who have more generous policies for self-employed, after all the owners of Haus of Loans are self-employed themselves.

Fixed rates give certainty by locking in your rate and repayments for a set period of time. Variable rates move with the market. The key isn’t just the rate, it’s which structure suits your goals. Both offer different features. Many clients benefit from splitting their loan into part fixed, part variable. We’ll guide you through the pros and cons so you’re confident in the choice.

Start by giving us a call or email to book a free strategy session. We collect all documents and information upfront so we can analyse your scenario and provide accurate information to you in the session.

Durig the strategy session we will provide you with all the information you need to move to the next stage. We can workshop multiple scenarios, advise on borrowing capacity, comparing lenders and deposits required.

With over a decade of experience and a client-first approach, we make the process seamless, efficient, and completely transparent so your property journey feels supported from day one.