Home Loans in Mackay | All Finanz & Insurance Solutions Mackay

Home Loans

Make purchasing your first home an enjoyable experience with help from our team at All Finanz & Insurance Solutions Mackay.

We take the time to talk to you about your current financial position and goals, then run you through all the various home loan features so you can feel confident in choosing the right product for you. We can also check to see if you are eligible for any government grants to help get you into your first home.

Choosing the right property can be challenging but imagine negotiating with confidence knowing you have a home loan pre-approval. We can assist with that too.

Our friendly brokers are available Monday to Friday at our offices in Mackay or after hours and on weekends by appointment. We can come to you as far north as Bowen and the Whitsundays.

Applying for a home loan can be quite an involved process but at All Finanz & Insurance Mackay, we’ll run through it step-by-step, so you’ll never feel overwhelmed.

Once we understand your goals and financial situation, we'll provide you with a checklist of documentation needed so we can get to work talking to lenders to find the best loans available from banks and financial institutions across Australia.

If you already have a property already in mind, or are looking to a build new home, we'll send the paperwork to the chosen lender who will then complete a property valuation before signing off on the loan.

Planning on buying an existing property? A home loan pre-approval makes it easier to begin your search with confidence. You’ll know the price range to look at and be ready to negotiate with vendors.

Best of all, getting a pre-approval indication is quick and easy, requiring only proof of savings, proof of income and 100 points of identification.

Frequently Asked Questions

Am I eligible for a first home buyer’s grant?

You may be eligible for a Queensland First Home Owners Grant worth $15,000 to put towards a house, unit or townhouse valued at no more than $750,000. You must also purchase as an owner-occupier (not as an investment/rental property).
How much deposit do I need to qualify for a home loan?

Typically, lenders will require you to have a deposit of at least 20% of the home loan amount upfront to qualify. However, there are some home loan products available that only require a 5% deposit. That’s the reason why we compare home loans and shop around to find the best deal for your circumstances.
What is the advantage of using a broker to source my home loan?

A home loan is a big financial decision and it's important to get it right. A finance broker can help you compare home loan products from a range of lenders and find the one that best suits your needs. They can also negotiate on your behalf to get you the best deal possible.

Finance brokers are experts in home lending, so they can save you a lot of time and hassle. They'll also ensure that all the paperwork is in order, which can be a big relief if you're not familiar with the home loan process.
What are some of the costs of buying a new home?

There are a number of costs associated with buying a new home in Australia. The most significant cost is usually the home loan itself, but there are also other things to consider such as stamp duty and legal fees.

Stamp duty is a tax that is payable on the purchase of a property. The amount of stamp duty varies from state to state but is typically around 3-4% of the purchase price.There may be some concessions if you’ve never owned property before

Legal fees are another cost to consider when buying a new home. These fees will vary depending on the complexity of the transaction. These may be around $1,500-$2,500.