Home Loans

Secure your dream home with personalised service!

Buying a home is one of the most significant financial decisions you’ll make.

At Fast Track Home Loans, we get to know you, your needs and your situation so we can help you secure a finance package tailored to your specific needs.

Whether you’re a first home buyer or looking to upgrade, we offer a vast array of lenders, more than 30 in fact, giving you the edge when it comes to getting the most suitable product and rate available to you.

Let us guide you every step of the way and achieve your home ownership goals with ease. Contact us now to get started!

At Fast Track Home Loans, we’re committed to making your home loan journey smooth and stress-free. Whether you’re buying your first home, upgrading or refinancing, we’ll find the right solution for you.

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Get started today!

Contact our team for personalised advice and guidance.

Frequently Asked Questions

  • Why use a Mortgage Broker?

    Navigating the home loan market can be overwhelming. Here’s why working with a mortgage broker can make a difference:

    • Access to multiple lenders: we have access to a wide range of lenders and loan products, giving you more options than working with one bank.
    • Tailored advice: We take the time to understand your financial situation and goals, offering personalised solutions to meet your needs.
    • Save Time and Effort: We handle the legwork; comparing loans, negotiating rates and managing paperwork, so you can focus on your goals.
    • Expert Guidance: With years of experience, we can navigate complex lending criteria and explain the process in simple terms.
    • Potential Cost Savings: We can often secure competitive rates and loan features, potentially saving you thousands over the life of your loan.
  • How much can I borrow?

    The amount you can borrow depends on your income, expenses, savings and credit history. Lenders are required to follow certain laws for consumer protection (under responsible lending guidelines) however their policies for how borrowing limits are calculated are different. This is where a mortgage broker can help you navigate the maze of lender policies to find the lender suitable for your circumstances.

  • How do I increase my borrowing power?

    There are a few ways to increase your borrowing power:

    1. Cancel any credit cards you no longer need
    2. Reduce credit limits to what is required rather than accepting what has been offered by the lender.
    3. Review your household budget to see if there are any areas you can reduce expenses.
    4. Increase your household income
    5. Increase your loan term to minimise ongoing repayments.
  • What types of home loans are available?
      1. Variable Rate Home Loans
        These home loans have a variable interest rate. There are two categories of home loans under this banner – Standard Variable Rate which generally has an ongoing package fee, higher interest rate and 100% offset account – or Basic Variable Rate which has no frills, minimal to no ongoing fees and a lower variable interest rate. As the rate is variable, there is a chance it would increase and therefore increase your repayments or decrease thus reducing your repayments.
      2. Fixed Rate Home Loans
        These home loans have a fixed rate for a period of 1 – 5 years. During this time you have certainty about what your ongoing repayments will be. The disadvantage of this product style is that you can be penalised (break costs apply) if you make additional repayments beyond the lenders threshold. Furthermore, if variable rates decrease you are still locked in at the fixed rate until the end of the fixed term or if variable rates increase you may have a large jump in repayments at the end of your fixed term.

Find Out About
Our Other Solutions

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Investment Property Loans

Grow your portfolio with tailored loans for investment properties
at great rates.

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Refinance Loans

Save on your mortgage by refinancing with better rates and personalised service.

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Commercial Loans

Empower your business growth with customised commercial loan solutions and expert advice.

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NDIS Purchase and Construction Loans

Build or buy NDIS properties with specialised loans designed for your needs.

Learn More
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We will use our 25 years of expertise and lender relationships
to structure your finances to maximise borrowing capacity

to help achieve your investment and property goals.