Home Loans
Get into your first home, next home or dream home sooner with a range of Home Loan options. Get help from an experienced Mortgage Broker at Harrow & Co. today!
Rated 5 from 124 Reviews
Rated 5 from 124 Reviews
At Harrow & Co., we understand that buying a home is one of the most significant financial decisions you will ever make. Whether you're in Sydney, NSW or anywhere else in Australia, our expertise in home loans can guide you through every step of the journey. Our services are designed to help you access Home Loan options from banks and lenders across Australia, ensuring you find the right fit for your financial situation. With a focus on your needs, we aim to make the process of applying for a home loan as seamless as possible.
When considering home loans, it's important to understand different aspects that can influence your decision. One of the first things to consider is your borrowing capacity. This is determined by your financial situation, including your credit history, income, and expenses. Knowing your borrowing capacity helps you understand what loan amount you might be eligible for and sets realistic expectations when buying a home.
Home Loan options are varied, with the choice between a fixed interest rate home loan and a variable home loan rate being one of the most crucial. A fixed interest rate provides certainty, allowing you to calculate home loan repayments over a set period without worrying about fluctuations. On the other hand, variable interest rates can offer flexibility and potential interest rate discounts but come with the risk of change. At Harrow & Co., we help you weigh these options based on current Home Loan Rates and your long-term financial goals.
Understanding lenders mortgage insurance (LMI) is also essential when exploring Home Loan options. LMI protects the lender if you default on your loan, and it is typically required when your loan to value ratio (LVR) is above 80%. This can be an additional cost to consider when calculating your overall budget for buying a home. Knowing about LMI and other costs like stamp duty upfront can help you plan better and avoid surprises later on.
The application process for a home loan can be detailed, but with Harrow & Co., it becomes less stressful. We assist you in gathering necessary documents such as bank statements and guide you through each step to ensure a streamlined application process. Getting pre-approved for a home loan is a strategic move that can strengthen your position in the competitive property market. Pre-approval gives you confidence in your budget and can make you more appealing to sellers.
Lastly, considering features like an offset account or home equity options can enhance your Home Loan experience. An offset account reduces the interest you pay by offsetting your loan balance with your savings account balance. Exploring these features with our guidance can lead to significant savings over time.
In summary, whether you're applying for a home loan for the first time or looking to refinance, Harrow & Co. is here to support you with tailored advice and access to Home Loan options suitable for your needs. Our commitment is to simplify the process and help you secure the best possible terms for your circumstances. Contact us today to discuss how we can assist you in achieving your property goals with confidence.
Initial Consult with Harrow & Co
Have a chat with a qualified Mortgage Broker who will understand your situation and talk you through the next steps.
Home Loan Fact Find
Your Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.
Home Loan Pre-Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
AS
Alvyn Sofjan
We can’t thank Jayden and his team enough for helping us through a very stressful and uncertain time. Selling our previous unit and purchasing our new home felt almost impossible at one point, but he stepped in and made it happen. His calm guidance, quick thinking, and determination genuinely pulled us out of a tight spot. We wouldn't be where we are without him. Highly recommend!
JM
Jay Moore
We were recommended Ben and Jayden from a friend and they have been an absolute pleasure to work with. The communication and support especially for a first home buyer has been really appreciated. Their knowledge and efficiency to get everything done for us on a tight schedule was very impressive. I would highly recommend them to anyone looking to purchase any property!
MF
Minyu Fang
First time home buyer, first time getting a loan, first broker, and first perfect experience. Very patient and efficient.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Brown Brothers Mortgages Pty Ltd ABN: 34 653 389 318. Credit Representative #554374 is authorised under Australian Credit License #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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