Home Loans

Whether it's your First Home, Next Home or Dream Home, we're on your side

When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.

When looking at different Home Loan Options, it's important to understand some of the key loan attributes:

Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.

We're a proud member of the FBAA and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.

Getting a 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 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 loan draws-down and you're good to go!

Book Appointment

N

I had a great experience working with Terry and his team. He was approachable, reliable, prompt, and efficient throughout the entire process. He is highly knowledgeable and capable, with a strong understanding of how to help his clients achieve their goals while taking their individual needs and circumstances into consideration. I first spoke with Terry about a year ago before deciding to explored other brokers. As my house search continued, I found myself remembering my conversations with Terry. His patience, calm and understanding nature, and genuine, client-focused approach had left a lasting impression on me. That was what led me to reach out to him again a year later. One of the things I appreciated most was his ability to communicate clearly and explain complex information in simple, easy-to-understand terms. He was always available to answer my questions and took the time to explain things thoroughly without ever making me feel rushed or that my questions were silly. I felt comfortable asking questions, knowing I would be met with patience and understanding rather than judgment. His willingness to ensure I understood each step of the process gave me confidence and peace of mind. He remained calm and solution-focused when challenges arose, working collaboratively with me to find practical solutions. I particularly appreciated his problem-solving skills, reliability, and commitment to helping me achieve my goals. I would highly recommend Terry to anyone looking for a knowledgeable, dependable, efficient and supportive broker who genuinely cares about his clients and goes the extra mile to help them achieve the best possible outcome.

J

Jason

I had a great experience with Fundex Capital. Terry and the team was professional, responsive and very helpful throughout the whole process. They made everything straightforward and easy to understand, and I really appreciated their guidance and support. Would definitely recommend Fundex Capital to anyone looking for a reliable and professional team. Thanks again for all your help Terry!

QT

Quan Tran

Terry has been an amazing team player to get the loan across the line

Frequently Asked Questions

Can you get a better interest rate with a mortgage broker?

Often, Brokers have relationships with various lenders. We go through a process of accreditation with each lender which builds trust and opens the door to beneficial rates and services. Get in touch today and we will see if we can negotiate on your behalf.

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.

What service does a mortgage broker provide?

Brokers are here with a stockpile of knowledge and contacts. It is our job to help you from start to finish with research, paperwork, communicating with the lender and finally settlement. We handle all of the paperwork and communication for you to ensure a smooth and easy process.

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. Our services won’t cost you a cent. Commonly, brokers get their fees paid by the lender after your finance has settled.

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.

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.