Home Loans

At Empire Road Investments, we're Mortgage Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options

5.0

from 23 reviews

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Buy your First Home, Next Home or Dream Home sooner with a Home Loan

At Empire Road Investments, we understand the journey of buying a home can be a significant chapter in your life. Whether you're a first-time buyer or looking to upgrade, our expertise in Home Loans is designed to support residents in Perth and across Australia. With access to a range of Home Loan options from banks and lenders across Australia, we aim to provide you with the most suitable solutions tailored to your financial situation.

When considering Home Loan options, understanding the various aspects is crucial. One key factor is the interest rate. It influences your monthly payments and the total cost over the life of the loan. We offer guidance on both fixed interest rate home loans and variable home loan rates, helping you decide which suits your needs best. Fixed interest rates provide certainty with predictable repayments, while variable interest rates might offer more flexibility and potential savings if rates decrease.

Another important consideration is the loan to value ratio (LVR). This ratio compares the loan amount to the value of the property you wish to purchase. A lower LVR might help you secure better terms, such as interest rate discounts. Additionally, understanding your borrowing capacity is vital. It depends on factors like your credit history, income, and existing financial commitments. We assist in evaluating these elements to determine a realistic loan amount that aligns with your financial goals.

Applying for a Home Loan also involves navigating other costs like stamp duty and lenders mortgage insurance (LMI). Stamp duty is a government tax that varies by state, while LMI may apply if your deposit is below 20% of the property’s value. These costs can affect your overall budget for buying a home. Our team can help you calculate these expenses and incorporate them into your financial planning.

The Home Loan application process may seem complex, but with Empire Road Investments, it becomes more straightforward. We offer a streamlined application process that begins with getting pre-approved. Home Loan pre-approval gives you an idea of your borrowing capacity and shows sellers you are a serious buyer. We guide you through this process, which involves submitting bank statements and other financial documents to assess your eligibility.

In the current property market, having a clear understanding of your financial situation and Home Loan options is essential. Calculating home loan repayments accurately ensures you can manage them alongside your other expenses. Additionally, features like an offset account can reduce the interest you pay, as it links your savings to your Home Loan. These tools can be invaluable as you plan your finances.

Our role at Empire Road Investments is to facilitate access to Home Loan options that fit your needs. Whether you are interested in exploring variable home loan rates or securing a fixed interest rate home loan, our team is ready to assist you every step of the way.

As you consider taking this significant step in buying a home, remember that Empire Road Investments is here to help. Our expertise in Home Loans ensures you have access to competitive Home Loan Rates and comprehensive support throughout the process. If you're ready to apply for a home loan or need more information on how to get pre-approved, contact us today and let us guide you towards achieving your dream of home ownership.

Ready to chat to one of our team?

Getting a Home Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps. 

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan. 

Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase. 

Settlement

You settle on the property, your Home Loan draws-down and you're good to go!

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Our Latest Reviews

Gavin Johnson

Less than a year ago another broker told me I was on the best rate so I didn’t bother looking. But an email caught my eye so I thought I’d have a chat. Within a day Michael found out how to save more money than I thought possible and also combined all my loans to make the process so easy. Michael is the only broker I will ever trust now. Couldn’t recommend more if I tried

Rhys Blowes

Abraham

Michael is one of the most helpful and friendly people I've ever had the pleasure to meet and do business with, and it's all obviously completely genuine. He was amazingly patient, responsive, and supportive throughout the lending process, and nothing was too hard for him. I'm someone who pays a lot of attention to details, and I have a tendency to want to scrutinise everything. He was happy to look at all options available and walk me through it all, answering all my questions, breaking down the options and explaining clearly the pros and cons of each. Michael initially did all the legwork and identified the best lending option for me, making it all very clear and simple. However, he was happy to drill down into the details, to reassure me the end result was the best one for my curcumstances.

Chris Walker

I could not recommend Michael enough, throughout my process with him, he showed me nothing but great customer service. Friendly and professional advice. Which contributed to helping me not only solve my problems but learn a whole lot, I highly recommend Michael!

K J

Ryan Aitken

Michael has been awesome throughout my journey, providing so many pieces of opportunity and nuggets of wisdom, he has provided a guidance in which any one would hope for! He's service is truly unmatchable, he really devotes his time and effort in helping you and guiding you along the journey. Michael goes above in beyond to ensuring all needs and requirements are met in all circumstances. I can not recommend him enough :)

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

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