HOW WE HELP
At Coastwide Home Loans we provide our clients with expert home loan solutions to enable them to achieve their homeownership goals. With access to a wide range of lenders and products, we guide our clients through the loan application process to make it steamline and stress-free. Whether you're a first-time homebuyer, looking to refinance, investing in real estate, or anything else, we have a solution for you.
KNOWLEDGE AND EXPERIENCE WHERE IT MATTERS THE MOST
In an ever changing market where lenders constantly update their policies, having the most accurate and
up-to-date information can be the difference between purchasing your dream home and settling for second best. Whilst many people can, and do, manage their home loans themselves, having an experienced broker means you know you are receiving the best loan options to set yourself up for financial success.
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At Coastwide Home Loans we endeavour to maintain the highest level of product and policy knowledge to ensure that our clients never miss an opportunity and are always provided with the best options to suit their needs.
WE ARE COMPLETELY COST FREE
We are able to provide our home loan services to you completely free of charge as we are paid by the bank when your loan reaches settlement. By choosing Coastwide you receive expertise, knowledge, genuine care, and ongoing support all as part of our complimentary service.
GETTING STARTED
Looking for something else? We have loan solutions for all your lending needs from personal loans & car loans to commercial & business finance, as well as everything inbetween. Follow the link below to see our full range of services.
OUR LENDERS
With access to over 50 lenders and 1,000s loan products across major banks, second tier banks and specialist lenders we an option available for almost any scenario and will find the best loan to suit your needs.
WHAT OUR CLIENTS ARE SAYING
Jaime
"Will from Coastwide Home Loans is our go-to broker whenever we need to make a change to our home loan. We've refinanced a couple of times and Will has always made the process so simple and stress free for us. Great communication, knowledgeable and always has our best interests at heart. Will contacted us again recently and managed to get our interest rate reduced again, without us having to do a thing! If you're looking for a broker that goes above and beyond and that you can trust, I highly recommend Will!"
Faith
"My partner and I cannot recommend Coastwide Home Loans enough!
Will had gone above and beyond to make our goals achievable by ensuring we knew and understood every option available to us. The process was made straightforward and completely stress free, we are finally home owners thanks to him."
Eleanor
"Will always goes out of his way to make sure that his customers have all the information and receive the best loan possible. His commitment to customer service is outstanding.
I definitely recommend him as a Broker!"
Dee
"Will has been so patient and helpful through the refinance of our current home loan and purchase of a new investment property. He went out of his way to find the absolute best deal, that saved us money and met our goals. Knowing that I struggle to grasp big financial concepts he even mapped out our plan visually which really helped me understand. We had a couple false starts when properties fell through - wasn't a problem for Will at all!
Will was recommended to us and we absolutely recommend him to others. He is thorough and responsive and ethical. Thanks a bunch Will."
FREQUENTLY ASKED QUESTIONS
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Q: What is a mortgage broker?A: A mortgage broker is a professional who acts as an intermediary between borrowers and lenders to help secure a home loan. They can provide advice on various loan products, help you find the best deal and assist you with the application process.
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Q: Why use a mortgage broker instead of going directly to a bank?A: Mortgage brokers have access to a wide range of loan products across multiple lenders. While a bank will generally give you the best option that they have available, you may be able to achieve a sharper rate, stronger borrowing capacity, or better loan structure by exploring other lenders. At Coastwide Home Loans we compare over 50 lenders to ensure that our clients are being presented with the best loan options available.
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Q: How much does it cost to use a mortgage broker for my home loan?A: Absolutely nothing! At Coastwide Home Loans we do not charge any fees for our home loan services. Instead we are paid a commission upon settlement by the lender you select. This fee is in no way added onto your loan amount or interest rates.
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Q: Should I go with a fixed or variable loan?A: The answer to this question depends on your individual circumstances and financial goals. Here are some factors to consider: Fixed rate loans offer a stable interest rate for a set period of time, which can help you budget and plan your repayments. However, if interest rates drop during the fixed period, you may miss out on potential savings. Fixed-rate loans may also have restrictions on making additional repayments or accessing redraw facilities. Variable rate loans can be more flexible, allowing you to make additional repayments and access redraw and offset account facilities. They may also offer competitive rates, however your repayments can also rise if interest rates increase. We can help you assess your individual circumstances and provide you with all the information needed to make an informed decision around whether a fixed or variable loan is more suitable for you. We can also provide information on hybrid loans that offer a combination of fixed and variable interest rates. It's important to note that interest rates can be impacted by a range of factors, including changes to official cash rates, economic conditions, and lender policies. It's a good idea to regularly review your loan to ensure it's still meeting your needs and to consider reworking your loan or refinancing if you could benefit from a different loan product.
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Q: How much can I borrow for a home loan?A: The amount you can borrow for a home loan depends on a number of factors, including your income, expenses, credit history and the property's value. As part of our services we will help you determine how much you may be able to borrow based on your circumstances.
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Q: What documents do I need to provide when applying for a home loan?A: The documents you need to provide can vary depending on the lender and the type of loan you're applying for. However, common documents include proof of income, bank statements, identification documents and details about the property you're purchasing.
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Q: How long does it take to get a home loan approved?A: The approval process can vary depending on the lender and the complexity of your application. Generally, it can take anywhere from a few days to a few weeks to get a home loan approved. There are lenders with turnarounds as short as 2 business hours so for urgent applications you can potentially receive an approval the same day it's submitted.
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Q: Can I get a home loan if I have a bad credit history?A: It may be more challenging to secure a home loan with a bad credit history, but it's not impossible. Some lenders offer "bad credit" home loans, which may have higher interest rates and stricter lending criteria. If you contact us we can determine the severity of your situation and let you know what options are available.
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Q: Can I refinance my home loan?A: Yes, you can refinance your home loan to potentially get a better interest rate or to access equity in your property. We can help you assess your options and find a suitable loan product for your needs.
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Q: What is a pre-approval?A: A pre-approval is an initial assessment by a lender that indicates how much you will be able to borrow based on your financial circumstances. It's not a guarantee of a loan, but it can help you when house-hunting by giving you more confidence and security when making offers on properties.
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Q: How can I get started with a mortgage broker?A: To get started you can complete the form on our Contact page and a broker will then give you a call to discuss your financial situation & goals. Alternatively you can call us on 0484 148 131.
