Mortgage Solutions
At Best Foot Forward Mortgage Solutions, we pride ourselves on finding the right product for your situation.
Who do we help?
Professionals
With some lenders, we are ranked as a “Platimium” Broking firm, which means we receive extra service, faster loan application processing times, and the ability to negotiate a better rate for you.
Self Employed Companies, Trusts.
We are also self-employed with a company and hold trusts, and we understand how tricky it can be to obtain a home loan. Let us help you get the best loan possible with your complex structure.
Who do we help?
Professionals and Essential Workers.
First Home Buyers, and Buyers who have been out of the property market for 10+ years.
Self-employed, Companies and Trusts loans
Over 50s
Temporary Visa Holders
Previously impaired credit
Professionals and Essential Workers.
Professionals: Some lenders rank us as a “Platimium” Broking firm. If you are in a professional occupation, or borrowing a more considerable sum of money we receive extra service, faster loan application processing times, and the ability to negotiate a better rate for you.
Essential Workers: We have lenders who support the Essential Working Industry and do not discount your overtime and allowances.
First Home Buyers, and Buyers who have been out of the property market for 10+ years.
The First Home and +10 Non-Property Owners get into the property market with the Housing Australia and Family Housing Guarantee programs help aspiring homeowners buy properties. We help out clients navigate the paperwork and ensure a successful application. We currently boast a 100% success rate for Housing Australia Guarantee Application Approvals. We help you address common challenges like high deposit demands and limited affordable housing.
The First Home Guarantee allows first-time buyers to purchase with a 5% deposit, making home buying more feasible for those who meet income criteria and price limits for first home buyers and buyers who ahve not owned a property in the last 10 years.
The Family Housing Guarantee aids single parents by lowering deposit requirements and helping them find a stable home for themselves and their children. This scheme can help for first home buyers and buyers who ahve not owned a property in the last 10 years.
Overall, these programs aim to make homeownership more attainable for many Australians, promoting community growth and family stability. Understanding these options helps potential buyers work towards homeownership as well as saving you thousands of dollars in not having to pay Mortgage Lenders Insurance (LMI), and your home loan will be accessed at a Value Ratio (LMR) of 80% instead of 95% and 98%, saving you thousands in interest repayments annually.
Self Employed Companies, Trusts.
As Mortgage Brokers, we are also self-employed with a company and hold trusts, and we understand how tricky it can be to obtain a home loan. Let us help you get the best loan possible with your complex structure.
Over 50s
We have access to lenders who value your hard work over your working career and can allow you to purchase property, if you can show how you will be able to service the loan when you retire.
Using Your Super to pay down your loan,
Increasing your repayments while you are working to allow for a buffer in retirement
Down-sizing to a smaller property when you retire.
Temporary Visa Holders
For a limited time, and depending on government policy in the future, we can help Temporary Visa Holders Purchase property if they are professionals or an essential worker. The policy only bans Temporary Visa holders from purchasing established properties; it does not include New and Off Plan Property Purchases. So reach out; we’d love to help you.
Previously Impaired Credit
Sometimes, life is tough, and you need help to get back on your feet. We can coach you on improving your credit rating to help you obtain a better rate on your home loan or put you in contact with a Credit Expert to remove some defaults from your credit score. If you’d like to learn more, click on this blog.