a few words about
The number of lenders has grown significantly in recent years, with many offering new features. A mortgage broker will research your options and negotiate terms with a panel of lenders including the big banks as well as several smaller lenders that you may not be familiar with.
But it’s not just about comparing home loans. Even before you start looking, a mortgage broker can offer valuable support explaining the home buying process and answering key questions you may have including “How much can I borrow?”, “How much deposit do I need?”, “Can I buy before I sell?” and “What will my repayments be?”
A mortgage broker will stay on top of the changing lender requirements, so you don’t have to. They will be able to highlight any potential ‘red-flags’ and help tidy up your finances before you submit a loan application. They will then take care of the application and settlement process, ensuring your application is dealt with in a timely manner and keeping everybody up to date with the progress.
A mortgage broker will do all the leg-work, giving you more time to focus on the move and removing the stress you would otherwise feel tackling this by yourself. Plus, they are paid by the bank so their service is free to you.
Our Principal Broker, Michael Mobbs, has 27 years experience and has arranged over $1bn in loans. Our Business Manager, John Tso, has 30 years experience and his knowledege of the loan process is second to none. Therefore, education is big part of our process, empowering you the knowledge of our experience to enable you to make more informed decisions.
We understand that ultimately you don’t want the debt and would much prefer to be debt free. Our focus is not just around selecting the right loan for your needs, but also how best to get rid of the loan. Our team of home loan experts continually look for ways to avoid as much interest, fees, charges, duties and tax so you can keep more of your money and clear the debt quickly as possible.
M2 Financial Services operates a franchise of Loan Market. Established in 1994, Loan Market is one of the largest groups of mortgage brokers that are not owned by a bank.
As a group, we organise over $1bn in new home loans every month, across a panel of over 30 banks and lenders. The volume of business we do also gives us access to exclusive home loan offers and a dedicated team of relationship managers. On the consumer survey site ‘Product Review’ we currently enjoy a rating of 4.8 out of 5 from 734 reviews.
Check out the service most relevant to you below.
What we do
BUY YOUR FIRST HOMEEducation, Preparation & Negotiation
Having helped over 1,000 people buy their first home, M2 Financial Services has the experienced team to guide you through the whole process. We will let you know how much you can borrow, how much deposit you will need, what costs are involved, what grants or discounts you qualify for, what types of loans are available and what your repayments will look like. We will take care of the whole application and liaise with the lender on your behalf, giving you more time to relax and focus on the move.Learn more
BUY YOUR NEXT HOMEUpsize, Downsize or Buy back in.
Can you buy first or should you sell first? Can you keep your current home as an investment? What's the best way to fund the deposit? What is bridging finance and how much does it cost? How can I make the process less stressful? Our experienced team of experts will help answer these questions and more.Learn more
BUY AN INVESTMENT PROPERTYAvoid Costly Mistakes
How much should you borrow? What's the best way to pay down the loan? Should you fix the interest rate or stay variable? What do you use as security for the loan? Which lender do you use? Who's name do you put the loan in? We will answer these questions and more, helping you to get the best 'bang-for-your-buck'.Learn more
LOAN REVIEWRenegotiate or Refinance
Why pay more interest and fees to the bank when that money could be used to pay your debt down quicker. Your bank will not let you know if they offer lower rates to new borrowers or if another bank offers better rates than they do. Our team of experienced experts will help renegotiate your debts so more of your money can go towards your goal of clearing your debt and achieving your dreams.Learn more
RENOVATE OR BUILDBorrowing to Add Value to your property
Whether you're building a new home, modernising the kitchen or bathroom, adding an extra bedroom, landscaping the garden or adding a pool . Our team of experienced experts will help you analyse your options, restructure your debt and achieve your goal.Learn more