How much can you borrow?

Yes, we have considerable experience helping investors secure financing for investment properties. Investment lending often involves more complex assessment criteria compared to owner-occupier loans, and lenders evaluate these applications differently. We understand the specific requirements that apply to investment property purchases, including rental income assessments, tax implications, and portfolio lending considerations. Our team can help both new investors purchasing their first rental property and experienced investors looking to expand their portfolios. We work with lenders who actively support investment property purchases and understand the investor market. Whether you're considering residential investment properties, looking to refinance existing investments, or building a property portfolio, we provide tailored advice based on your investment strategy and financial goals.

The timeframe for mortgage applications can vary significantly depending on several factors including lender processing times, completeness of your documentation, property type, and current market conditions. Generally, most standard residential loan applications take between two to six weeks from submission to approval. Pre-approval applications are often processed more quickly, sometimes within a few days to two weeks. More complex situations such as self-employed borrowers, unique properties, or investment loans may require additional time. We work diligently to ensure your application is complete and accurate before submission, which helps minimise delays. Throughout the process, we maintain regular communication with both you and the lender, providing updates on progress and promptly addressing any additional requirements that arise.

Our support extends well beyond loan approval through to settlement and beyond. Once your loan is approved, we coordinate with your solicitor or conveyancer, the lender, and other parties involved in the transaction to ensure all requirements are met before settlement. We monitor the progress of your loan documentation, arrange property valuations when required, and address any last-minute issues that might arise. Our team maintains communication with all parties to help ensure your settlement proceeds smoothly and on schedule. We also provide guidance about what to expect during the final weeks before settlement, including any additional requirements or documentation you might need. After settlement, we remain available to answer questions about your loan and can assist with any future refinancing needs.

The documentation required varies depending on your employment type and financial situation. Generally, you'll need proof of income such as recent payslips, tax returns, and bank statements covering several months. We'll also require identification documents, details of your assets and liabilities, and information about the property you're purchasing or refinancing. Self-employed clients typically need additional documentation including business financial statements and accountant-prepared documents. Investment property buyers may need rental statements or lease agreements. We provide you with a comprehensive checklist tailored to your specific circumstances, making the document gathering process more organised. Our team reviews your documentation before submission to lenders, helping ensure your application is complete and presented professionally.

A mortgage broker acts as an intermediary between you and potential lenders, working to find suitable home loan options that match your financial situation and goals. At Harmony Heights Finance, we assess your individual circumstances, research available loan products from multiple lenders, and present you with options that align with your needs. We handle the application process, liaise with lenders on your behalf, and provide guidance throughout the entire journey. Our expertise means you don't have to approach multiple banks individually or spend countless hours researching loan products. We work for you, not the lenders, ensuring your interests remain our priority throughout the mortgage process.

Refinancing is a significant part of our service offering, and we help many Australians review and potentially change their existing mortgage arrangements. There are various reasons people choose to refinance, including seeking more suitable loan features, consolidating debts, accessing equity for renovations or investments, or switching to a more appropriate loan structure. We analyse your current loan against available market options and help you understand the potential benefits and costs involved in refinancing. This includes considering any break fees, establishment costs, and ongoing savings or benefits. Our assessment covers your current financial situation and future goals to determine whether refinancing makes sense for your circumstances. We handle the entire refinancing process, including applications, documentation, and liaison with both your current and new lenders.

Absolutely. First home buyers are a core part of our client base, and we understand the unique challenges you face when entering the property market for the first time. We explain the entire home buying process, help you understand different loan types available, and identify any government grants or schemes you might be eligible for in Australia. Our team takes time to educate you about ongoing costs of homeownership, lending criteria, and what lenders look for in applications. We can help you determine how much you might be able to borrow and work with you to strengthen your application where needed. Many first-time buyers find the mortgage process overwhelming, but our guidance helps make it more manageable and understandable.

Yes! At Harmony Heights Finance, we don’t just help with loans, we guide you through the property journey. Once you’ve received pre-approval, we can connect you with trusted builders and real estate agents who match your needs. This means you can access a network of professionals who can help you identify suitable properties, negotiate effectively, and streamline the buying process. Our goal is to make finding your ideal home or investment property as smooth and stress-free as possible.

In most cases, our mortgage broking services don't cost you anything upfront. We typically receive our compensation from the lender once your loan settles successfully. This means you can access our expertise, market knowledge, and personalised service without paying fees directly from your pocket. However, some specialised services or complex situations may involve additional costs, which we'll always discuss with you transparently before proceeding. We believe in clear communication about any potential expenses, so you'll never encounter unexpected charges. Our business model allows us to help you find suitable mortgage solutions while keeping our services accessible to Australian homebuyers across different financial situations.

We work with an extensive panel of lenders across Australia, including major banks, regional banks, credit unions, and specialist lenders. This broad network gives us access to hundreds of loan products, allowing us to match you with lenders whose criteria align with your circumstances. While we don't work with every single lender in the country, our panel represents a substantial portion of the Australian lending market. We carefully select our lending partners based on their service quality, product range, and ability to serve our clients effectively. Some lenders only work directly with consumers, but the vast majority of Australian lenders work through mortgage brokers. Our extensive lender relationships mean we can often find solutions even when mainstream lenders might not be suitable for your particular situation.

Loan declines can happen for various reasons, but they don't necessarily mean the end of your home buying journey. When a decline occurs, we thoroughly review the reasons provided by the lender and assess alternative options. Different lenders have varying criteria and risk appetites, so a decline from one lender doesn't mean all lenders will reach the same decision. We may approach other lenders whose criteria align with your circumstances, or work with you to address the specific concerns raised in the decline. Sometimes this might involve waiting to improve your financial position, providing additional documentation, or considering different loan structures. Our experience with multiple lenders means we understand their individual preferences and can often identify alternative pathways to achieve your financing goals.