Orange Home Loans
Are you looking to get a home loan for the purchase of a residential property? Then the friendly team at Specialised Mortgage Solutions are here to help.
Our experienced team of local mortgage brokers will help you get the finance you need to build or buy your dream house. Not in Orange? Don’t worry! We help clients with their finance needs all over the Central West.
How can we help finance your home?
Excellent Approval Rate
Increased legislation contributed to 40% of home loan applications being rejected in December 2018. Our home loan approval rate is over 99%. We’ll do our best to get your home loan approved the first time.
Competitive Interest Rates
We have access to 25+ different lenders which gives us the ability to find the perfect loan for your needs with the best comparison rate. This will help you pay off your home loan faster and could save you thousands.
Experience & Knowledge
With over 30 years of combined industry experience, we know how to set up and structure your home loan correctly and in a way that benefits your unique needs, for now and the future.
Prompt & Efficient Service
We have three full-time staff ready to attend to your needs. This makes us the largest mortgage broker company in Orange. We are big enough to get the job done, but small enough to care, with exceptional attention to detail.
$50 Callback Guarantee
We pride ourselves on our accessability. Our $50 callback guarantee proves this. We promise to return your call within 4 hours on weekdays or the same day on weekends/public holidays. If we don’t, we’ll pay you $50.
Long-Term Relationship
We build long-term relationships with our valued clients. We will review your home loan every 2 years to ensure it is still right for you. We will also help you achieve your financial goals such as building wealth through property investment.
“I can promise you that you won’t regret using Barry. I’ve been through the bank’s brokers before and this experience with Barry was entirely painless in comparison. Always available and reliable, his follow up and communication from first contact to post settlement was outstanding.”
Alan – Happy Client
What we Do
Stress Less With SMS!
With so many lenders and different loan products available today it is quite easy to get overwhelmed and confused.
That’s where we come in.
As your mortgage advisor, we take the stress and hard work out of getting a home loan by searching through hundreds of home loan products across 25+ different lenders to find the best deal for your current financial situation.
Plus, we don’t generally charge you anything for our services. However, if a fee does apply this will be outlined clearly with you beforehand.
“Barry and the team helped immensely with the entire process for us, not just the financial aspect but assisted us with navigating the ins and outs of buying a property from start to finish. Always ready to answer questions and point us in the right direction. Will definitely be dealing with them in the future.”
Tom & Cassie – First Home Owners
Home Loan Calculators
Budget Planner
This planner will help you find out if you can afford a certain loan.
Home Loan Repayment Calculator
Use this calculator to find out how much your loan repayments will be.
Saving Calculator
Use this calculator to find out how long it will take to save your deposit.
How Long To Repay Calculator
Use this calculator to find out how fast you can pay the loan off.
Home Loan FAQ’s
How much deposit do I need?
Unfortunately there is no easy answer because the amount of deposit needed depends on a variety of factors including whether the property is owner occupied or to be used as a rental, how much genuine savings you have and if you have access to a guarantor etc.
To calculate exactly how much deposit you need, get in touch today.
How much can I borrow?
Determining how much money you can borrow to purchase a house depends on a wide range of factors. These include your income, current loan commitments, living expenses etc.
In order to get an accurate estimate you would need to sit down with an expert who can calculate this for you. If you’d like to know the exact amount of how much money you can borrow so you can start looking at properties to buy, contact us today.
What will my home loan repayments be?
To help determine what your home loan repayments will be, we provide a free loan repayment calculator available on our website for you to use at any time. This will give you a rough estimate of how much your monthly repayments will be.
For a more accurate and reliable figure, get in touch today.
Do I qualify for the First Home Owner Grant?
The First Home Owner Grant (FHOG) is a $10,000 grant designed to assist eligible first homebuyers in purchasing a new home.
However there are several requirements to be eligible such as:
• The home must be brand new
• The home must be worth less than $750,000
• You must be over 18
• Both you and your partner must have never held a relevant interest in any residential property in Australia
• You or the person you are buying with must be an Australian citizen or permanent resident
This is not an extensive list. The full list of requirements can be found here.
Talk To An Expert Mortgage Broker
Are you ready to take the first step on the exciting journey of buying a house? Then we would love to help you achieve your dreams of home ownership and save you time and money at the same time. If you would like to talk to a professional, local mortgage broker about getting a home loan just fill out the form below and we’ll be in touch!
Contact Us
Let us help you finance the home of your dreams!