Our Services

Our Services

The Mortgage Force range of services includes home loans, investment loans, commercial and business finance, rural loans, leasing, insurance and conveyancing – we can assist you with every aspect of your financing and insurance needs.

Whether you are thinking of buying or refinancing, want to know how much you can borrow, or simply want to know what options are available, we make it our business to help you in every way we can, at a time and place convenient to you.

Our 100 Mortgage Consultants throughout Australia have direct access to 25 lenders and 12 insurers through our alliance program, so we can offer a choice of 100’s of products. It’s our job to work out which ones best suit you. Importantly we don’t sell our own loans so that way you can be sure we really have your interests at heart.

This is the way it works – you let us know what you are looking for and once we have confirmed your requirements, we present you with a number of suitable loan options, highlighting the benefits of each. This allows you to make informed decisions about which loan better meets your specific needs.

Once the product has been chosen, we put the loan application together and submit it to your chosen lender on your behalf. It’s then up to us to manage your application all the way through to settlement. This includes liaising with external parties such as real estate agents, solicitors or settlement agents to ensure a smooth path to settlement.

Our Team of Mortgage Consultants provide a premium service and this sets us apart from many other Mortgage Brokers. Not only do we follow the progress of your loan from application to settlement but we ensure we are always available to help with any query about your loan and keep you up to date with product news and enhancements of interest to you via our MFNews Newsletter

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How much can I borrow?

If you’re thinking of buying a new home or investment property, the first thing you need to know is how much you can borrow.

You can get a guide by using our how much can I Borrow calculator

However, for a definite appraisal you should speak to one of our Mortgage Consultants as it’s amazing how much this figure can differ between different lenders.

Our Mortgage Consultants can organise pre-approved loans so that you can confidently make an offer or bid on the home of your dreams. Of course our Mortgage Consultants can also organise loan approval at any time during your property negotiation.

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First home buyers

The First Home Owner market is one of the most competitive for all lenders so how do you know which home loan best suits your needs?

That’s why you use us! We have the time and experience to find you the best deals from our panel of over 35 lenders. So no matter whether you have a deposit saved, require 100% funding or are able to rely on family to support your application, we can provide you with competitive options.

We’ll determine how much you can borrow as it’s amazing how much this figure can vary between lenders – and an important tip - it’s a real advantage to obtain a pre-approval of finance before you start your home search. That way once you find your dream home you can move quickly and confidently knowing your loan has already been approved.

There are also a range of first home owner benefits available from both State & Federal Governments. These range from $7,000 grants to reductions in stamp and mortgage duties. We’ll help you through this maze and determine your eligibility.

Our Mortgage Consultants can also provide you with a copy of our First Home Owners Guide that provides heaps of information.

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Moving house

Moving house can be a great time to revisit your home loan. It doesn’t matter whether you are up-grading or downsizing as home loan packages are changing rapidly so now is the perfect time to consider a Mortgage Health Check and make sure you’ve got a good deal.

Our Mortgage Consultants can also assist with bridging or home to home loans that provide funding for a new home while the old one is being sold. These are freely available but often have different terms and conditions so we can help find a bridging product that best suits your requirements.

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Investors

Thinking of buying an investment property? You’re not alone. Tens of thousands Australians buy investment property every year as part of their overall financial plan. Often this plan includes financing the purchase to take advantage of potential tax concessions and negative gearing.

There are a number of options when it comes to financing investment properties dependent upon your current financial circumstances. If you already own your own home, you may be able to use some of the existing equity in that property to support you application for 100%+ funding of your investment property. If that’s not an option for you there are still numerous possibilities available to secure your loan and one of our Mortgage Consultants can provide you with all the information and a range of products to suit your particular needs.

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Free Mortgage Health Check - Restructure or Refinance?

Have you got a loan and are concerned about the interest rate and fees you are paying, or have you just let it sit there for years without checking that it is still competitive?

Banks are constantly enhancing their product ranges but often they don’t tell existing clients that they have a cheaper product available.

It’s amazing how many times we have reviewed a client’s current loan only to find there is a cheaper or more efficient product provided by the same lender. That means there is no need to refinance, just restructure within the same lender and save!

Sometimes it makes sense to refinance a loan to a new lender. In this circumstance we will take into account all the costs associated with a refinance and make sure that it makes financial sense to refinance the loan.

Over the years we have been able to save clients 10’s of 1000’s of dollars by simply reviewing their current loans.

To obtain your personal Mortgage Health Check simply complete the Mortgage Health Check Form and a Mortgage Consultant will be in touch to discuss your options.

It’s free and no obligation, so why not see if we can reduce your interest bill!

Contact us now!

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Debt Consolidation

Debt Consolidation is the process of replacing a number of existing loans with a single loan which will reduce your monthly payments by spreading out the combined loan over a longer period of time and reducing the interest rate being paid.

It is especially useful for borrowers carrying large credit card or personal loan debts where those loans can be rolled into a home loan facility.

Instead of paying high teen interest rates on your credit card or personal loan, you may be able to refinance and pay home loan interest rates instead.

Debt consolidation should be part of an overall financial plan and budget strategy as there is no use doing this if you are going to ramp up the credit card debt again!

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New entrants to Australia

If you are new to Australia and are buying a property you should deal with a new resident lending expert – Mortgage Force.

Apart from the time factor, there are all those other hurdles which you as a new resident will need help with, for example:

Mortgage Force understands these problems and can help you through the maze and secure the home or investment loan that serves your needs.

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Expats

Living overseas and earning foreign currency income? You can have your loan in the same currency.

If you are buying property or have an existing mortgage in Australia but are earning your income in a foreign currency, you may want to consider borrowing in the same currency.

Apart from the hedging component, the main benefit for you is that it makes repaying the loan easier as repayments can be matched to your income.

It is great news for Australians living overseas and earning their income in an approved currency as they can now borrow in that currency and at that currency’s interest rate to either purchase property or refinance an existing mortgage in Australia.

This facility can also be used by Non-Australian citizens who must obtain Foreign Investment Review Board approval prior to purchasing an Australian property.

The following foreign currencies are currently available:

*Interest rates range between 3.8% and 6.62%p.a. depending upon the currency. Details of all terms, conditions and fees are available.

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Commercial

Mortgage Force has been providing business and commercial loans for a number of years now. We have over 12 specialist commercial lenders on our lender panel so no matter whether you need a loan for:

Our Mortgage Consultants can assist with your enquiry.
Commercial loan products have become extremely competitive in recent times. Many institutions now offer retail interest rates for vanilla commercial transactions whilst others tend to support certain industry sectors and are willing to look very favourably at niche markets.

Business packages now allow small business owners to use their residential security for both business and personal lending needs at a home loan rate. These packages can provide a global limit that can be split into sub accounts such as a home loan, a loan for the business and an everyday overdraft account.

We have had some great success in sourcing competitive commercial loan packages and our Mortgage Consultants would be pleased to assist you.

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Leasing/commercial hire purchase

Leasing is a well known method of improving cashflow management and preserving cash for the core business or for projects that offer better returns on capital.

Mortgage Force provides a comprehensive suite of leasing and equipment funding products that allow our clients to achieve optimal cashflow as well as tax effective solutions for their equipment and infrastructure requirements including:

Through our alliance with LeaseChoice we have access to wholesale funds through local and international institutions providing greater access to credit at market competitive rates.

In fact we can:

*amounts of approval and approval time may vary according to individual circumstances

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Personal loans

Personal loans aren’t for everyone, but sometimes they can be extremely useful as a fast and efficient way to access some extra cash.

Often they are used to assist with small home renovations, purchasing a car or a boat, taking a holiday or simply consolidating some debts.

Our Mortgage Consultants can facilitate personal loans from $5,000 to $75,000 with same day approval in most cases and loan documents delivered immediately on-line. Interest rates are fixed so you’ll know exactly how much you’ll be paying and how long it will take to pay it off. In addition you get to choose a term that suits your budget.

It’s convenient, fast and flexible.

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Insurance - Life, trauma & income

Problem:

1 in 3 Australian’s lose their income for 6 months or more due to an illness or accident.

Only 4% of Australian families with dependents have enough life cover to sustain their family’s life style if either parent died.

How would your mortgage be repaid if something happened to you?

Solution:

Let us show you how easy it is to protect your income and lifestyle through our alliance program with Insureyou.

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Insurance - General (building & contents)

All mortgages require some form of general insurance such as building and contents insurance. Mortgage Force has a range of insurers to choose from that ensures the loan and insurance are taken care of at the same time and managed under the same process.

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Conveyancing (NSW Only)

Mortgage Force NSW is excited to be able to offer a conveyancing service that provides tangible benefits to our clients and to the overall management of your property transaction - Welcome to the conveyancing revolution.

For more information click here to read our fact sheet.

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