Home Loans and Advice

We’ve been a leading mortgage broker in Brisbane for over 30 years for one very good reason.

We treat your mortgage as if it was our own

  • Do all the research and initial investigations for you
  • We regularly review all our clients loans
  • We have no affiliation to any provider
  • We advise on the best loan mix to suit
  • We explain why we recommend options
  • We have the experience to solve even hard applications

Getting a better rate and deal on your home loan isn’t difficult when you work with experienced Home Finance professionals.

Whether your goal is to purchase your first home, refinance or invest, Astute are experienced in arranging the finance you require to make this goal a reality.

Our finance products include Property, Personal, Vehicle, Lifestyle, Business, and Astute Simplicity Loans.

Everyone has a different need for their Home Finance

First Home Buyers
Ready to buy your first home? Taking those first steps to buying your first home can be exciting and daunting all at once. But at Astute you have a friend in finance, we will work with you to meet your financial goals, no matter how long it takes. From understanding the costs of purchasing, saving for a deposit and making repayments, we’ll make sure you have all the information you need to be financially Astute. We can tell you:
  • How much you can borrow
  • How much you will need for a deposit
  • If you can purchase now or in the future
  • What to expect in repayments, fees and insurance
  • If you’re eligible for any grants or benefits
What loan features do you need? At Astute we are focused on making financial decisions seem simple, by removing the jargon and teaching you about our world of finance. Common loan features include:
  • Allowing additional repayments to be made
  • Access to offset accounts to reduce interest
  • Access to redraw facilities
  • Ability to take repayment holidays
  • The flexibility to move from a variable to fixed rate loan
Fixed rate loans allow you to fix the interest rate for a specified period, usually one to five years, sometimes up to 15 years. At the conclusion of the agreed fixed rate period the interest rate reverts to the standard variable rate, or you may renegotiate with the lender for another fixed rate term. The main advantage of these loans is that the borrower has a set monthly repayment. The disadvantages are that you are limited to the amount of extra repayments allowed during this period (generally there is a limit) and also if the borrower sells their home within this period they may incur a break cost fee.
The standard variable rate varies throughout the term of the loan and generally has more features than other loan types. If interest rates fall your loan rate will come down, and alternatively if rates increase so will your loan rate. On a variable interest rate loan, you can make additional repayments without incurring a penalty, which means you can pay your loan off sooner.
Are you ready to invest in property? Bricks and mortar remains a popular investment across Australia. An investment property can generate regular rent and has the potential to rise in value over time. For property investors it is important to structure your property purchase and finance to maximise your investment returns, cash flow and any possible taxation benefits. Some common loan features and issues to consider include:
  • Interest only loan repayments
  • Use of equity in your own home
  • Choice of person to be the legal owner/named borrower
  • Variable or fixed rate loan
What loan features do you need? If you are thinking of investing in the property market, an Astute Lending Specialist can assist you in selecting a product and lender that provides you with simple, straightforward financial solutions, tailor made for your individual circumstances.
Is your home loan working for or against you? A lot can change in a few years, changes to your personal life can impact your household as much as market conditions. Whether you’re wanting a better interest rate, wondering if you can afford a renovation or wanting to access equity for an investment, refinancing is just a normal part of life. At Astute, we offer our client’s regular financial health checks to make sure you know about the latest financial options for your unique circumstances. If we find a better option we may recommend you refinance. Benefits of refinancing can include:
  • Access to more favourable interest rates
  • Ability to consolidate debts into a single low rate loan
  • Access to home equity for investment or renovations
  • Flexible features that better suit your circumstances
  • The possibility of savings through lower repayments

Ready to apply for your loan

If we can’t get it APPROVED nobody can!

Our exclusive Team of Lending Experts will match your financial preferences with up to 30 lenders who have the right loan products to meet your needs. Our lenders will contact you and compete for your business no matter where you reside in Australia. It doesn’t matter what type of finance you need. With over 80 years combined experience‚ there is absolutely no time like the present to contact Astute Brisbane Central.

If you know what type of loan you require Apply online now.