Personal Mortgage Services

 Buying a home can be one of the most exciting times in anyone’s life. When taking such a big step there are so many things to consider. This guide is designed to help you through the home buying process and answer your questions, including:

 • Where and what can I buy?

 • How much deposit will I need?

 • How much can I borrow? 

• What are all the other costs involved?

 • How can I repay my mortgage sooner? 

Our role as your mortgage broker is to guide you through the process to ensure that all your needs and options are considered. We will make sure that this exciting new chapter in your life is professionally managed so you can focus on finding your dream home. Email us for your free copy of our guide. 

 Investing in property is about working towards building your wealth. Where and when you buy an investment property depends on multiple personal and market factors. When it comes to understanding the market, it’s important to realise the housing market can be complex and requires a lot of research before you make your move. 

When thinking about purchasing an investment property, consider some of the following: 

What are the costs of buying and selling? 

What costs are associated with borrowing the money? 

What is the rental potential or future capital gain potential of the property? 

When you take these factors into consideration, what return on your investment can you expect?   

Email us for your free copy of our Property Investment Guide.

"Thanks for all your help! Amazing!"

P. Giuffre, ATTWELL, WA

"Thanks Jo! We're in the pool having a beer thank you for everything!" 

D. Jones, SILVER SANDS, WA

"Thanks so much Jo, we truly appreciate all your help with this!"

A. Puletama,  NORTH ADELAIDE, SA

"Thanks Jo, you are truly awesome!"

K. Morfitt, HALLS HEAD WA

 "Thanks for your assistance in getting my investment property refinanced. Very happy with the result."

M. Rodrigues, GLENDALOUGH, WA

"Jo, thanks for all your help! You've been absolutely amazing and we can't thank you enough for all you've done to help us"

D. Wehrmann, CLARKSON, WA

 Australians value trustworthy, personalised mortgage guidance. That’s why 8 out of 10 of all new residential home loans are written through mortgage brokers*. Buying a property is the biggest investment most of us will ever make. Working with a professional mortgage broker will give you the support and service you need to make the right financial decisions every step of the way from loan application, right up to settlement. There’s a lot more to choosing the right home loan than just the interest rate. This booklet covers all the home loan basics and how to get started. We’ll also explain how using a mortgage broker could be the right way to get a home loan that meets your particular needs. Email us for your free copy of our Home Loan Essentials guide.

 * MFAA’s quarterly survey of leading mortgage brokers and aggregators Oct-Dec 2024 

We have a new location, coming soon!

Does using a Mortgage Broker cost me more?

 Using a mortgage broker does not cost you more. Lenders will still charge you the same fees if you go to them direct, because they have bank branch overheads to cover. The amount the lender pays us does not impact your rate, or come out of your money. By using our services, you’re not paying any more interest, or higher fees. 

What's the difference between a Bank and a Mortgage Broker?

 A bank only has access to their own loan products and interest rates. Mortgage brokers have access to a wide variety of lenders with competitive rates—including the “Big 4” Australian banks, second tier lenders, and credit unions. That means a mortgage broker can find you the most suitable loan product for your needs—without the hassle of you going to multiple banks. 

How are Mortgage Brokers paid?

 Most brokers do not charge a fee to their customers for providing their services as they get paid commission for the successful application through the lenders. However, some complex loan scenarios may incur a fee. If a broker intends to charge you a fee, they must provide you with a credit quote document which details what services you will receive in return for the fee. Prosperity Loans will never charge you a fee without discussing the terms with you first.

How are Mortgage Brokers regulated?

 Responsible lending laws ensure brokers have as much responsibility as lenders to keep the borrower’s best interests front of mind when providing credit assistance. Across Australia, brokers are governed by the National Consumer Credit Protection Act 2009 (NCCP) and the Best Interest Duty