Mortgage Broker 2019-05-08T00:32:22+00:00

Do you have the best home loan?

We’ll find you the best loan and lender. We’ll advise you on the best structure to own your assets and maximise tax deductions. We are highly experienced and qualified. We don’t stop at settlement, we keep your lender honest.

Finding the best rates

*Based on LVR of 70%, $800,000 loan repaid over 30 years. Valid as at 7 May 2019. Terms and Conditions apply.

In addition to home and commercial property loans, we can find the best rates for many other loan types:

Vehicle Loans
SMSF Loans
Construction Loans
Business Loans
Acquisition Loans

We find the best loans from local and overseas lenders

We are unrestricted in our ability and knowledge to find loans from over 45 Australian lenders and over 100 private and international lenders. As a private mortgage broker we use our client numbers to buy with strength, negotiating the best rates and terms.

We provide advice on loan structuring and asset ownership

We go further than obtaining the best rates, we work with you to ensure you’re borrowing with, and buying assets in, the right legal structures. For people who are self employed or work in industries where there is risk, it is critically important to protect your home and to maximise tax deductibility of your loans.

We make loan and refinancing applications easy

We have invested heavily in technology and automating the collection of information to simplify the process, reducing the pain of applying for new or refinancing loans into 6 steps.

  • Confirm your Needs and Objectives – Using our online application form and in person discussion, we will confirm your preferred lending scenario and your goals.
  • Verify the Facts – Based on your debt needs we will verify your information upfront. This accelerates the application process and improves our negotiating position with lenders.
  • Negotiate the Loan Options – You may want an offset or redraw account. You may need multi-currency accounts. You may need to vary the borrower and guarantor. We manage all this.
  • Provide Advice and Assistance – Prior to application we will work with you to establish the optimal lending and ownership structures.
  • Manage Application and Settlement – We manage the process of valuations, loan documentation reviews, and the engagement and management of conveyancing consultants and lawyers.
  • Ongoing Reviews – We don’t stop at settlement.

We don’t stop at settlement, we keep your lender honest

Keeping your lender honest is an important element of our ongoing role. Following settlement, we will continue to maintain contact with you to assist in minimising interest costs, managing risks or ensuring you have loans pre-approved for your next investment or purchase.

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We’re not a bank. We specialise in complex clients with wealth creation and protection needs.

Mortgage Brokering is only one element of what we do, we provide holistic financial advice to assist in protecting and growing families wealth. To do this we hold an array of memberships, licenses and qualifications.

Book your free personal appointment with a Cashel House loan specialist.

Please fill in the form and we will be in contact to discuss your loan needs, or contact 03 9209 9000.

Frequently Asked Questions

Credit Assistance is what an online loan comparison website or mortgage broker does. They record your debt needs and then assist you to select from a number of debt products that may meet your needs.  Most credit assistance providers will help you select from products issued by one of 30 Australian banks or credit unions. In some rare cases, like Cashel House, they have access to more local and international lenders.

Financial Advice is when your provider documents your objectives, and then assess the impacts of any changes and decisions regarding investment selection or debt products on ownership structuring, tax planning, asset security and what impact may be caused to current and future cash flows, including retirement cash flows.

When you engage Cashel House to provide you with debt advice and structuring we do both of these things. We are not another mortgage broker or simple online comparison website (but we have the skills and access to the same and more products).

Cashel House arranges home, investment and commercial finance from over 45 local Australian lenders together with a number of private lenders for low document and no document lending. We can deliver for all circumstances and will work with you to negotiate the best available terms for your scenario. Below is an example of some of the residential and commercial lenders we work with.
Commercial, construction, structured and non-resident finance needs require a higher level of skills and networks than the ordinary mortgage broker. Cashel House’s pedigree and staff have deep and global relationships with a range of competing institutional and private funder’s who approach each lending scenario with a solution biases rather than a strict bank policy.

Each family’s circumstances are unique, so should their debt solution. Please follow the Home Loan Quote link to obtain a home loan quote. Please note that this is a standard calculator and that we specialise in customising loans for each circumstances.

Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.

Usually between 5% – 30% of the value of a property, which you pay when signing a Contract of Sale. Speak with us to discuss your options for a deposit. You may be able to borrow against the equity in your existing home or an investment property.

Go to our  Repayment Calculator for an estimate. As there are so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, we’ll find the right loan set-up for you.

Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.

While the Australian market has certainly reduced its funding appetite for foreign buyers, there are still options. Cashel House utilises it’s expertise in both Australian and Singapore to arrange funding. Your Cashel House advisor will help you navigate this option.

There are a number of fees involved when buying a property. To avoid any surprises, the list below sets out all of the usual costs:

  • Stamp Duty— Stamp duty rates vary between state and territory governments and also depend on the value of the property you buy. You may also have to pay stamp duty on the mortgage itself. To find out your total Stamp Duty charge, visit the state revenue office for the applicable state.
  • Legal/Conveyancing fees— Generally around $1,000 – $1,500, these fees cover all the legal rigour around your property purchase, including title searches.
  • Building Inspection— This should be carried out by a qualified expert, such as a structural engineer, before you purchase the property. Your Contract of Sale should be subject to the building inspection, so if there are any structural problems you have the option to withdraw from the purchase without any significant financial penalties. A building inspection and report can cost up to $1,000, depending on the size of the property. Your conveyancer will usually arrange this inspection and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
  • Pest Inspection— Also to be carried out before purchase to ensure the property is free of problems, such as white ants. Your Contract of Sale should be subject to the pest inspection, so if any unwanted crawlies are found you may have the option to withdraw from the purchase without any significant financial penalties. Allow up to $500 depending on the size of the property. Your real estate agent or conveyancer may arrange this inspection and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
  • Lender Costs— Most lenders charge establishment fees to help cover the costs of their own valuation as well as administration fees. We will let you know what your lender charges but allow about $600 to $800.
  • Moving Costs— Don’t forget to factor in the cost of a removalist if you plan on using one.
  • Mortgage Insurance Costs— If you borrow more than 80% of the purchase price of the property, you’ll also need to pay Lender Mortgage Insurance. You may also choose to take out Mortgage Protection Insurance. If you buy a strata title, regular strata fees are payable.
  • Ongoing Costs— You will need to include council and water rates along with regular loan repayments. It is important to also take out Building Insurance and Contents Insurance. Your lender will probably require a minimum sum insured for the building to cover the loan, but make sure you actually take out enough building insurance to cover what it would cost if you had to rebuild. Likewise, make sure you have enough contents cover should you need to replace everything if the worst happens.

Asset Ownership and structuring is a critical aspect of buying property. The wrong decision will increase tax liabilities, limit access to borrowing or pose potential risk of loss of assets to creditors should the property be owned by the wrong legal entity, Your Cashel House Financial Advisor working with your Cashel House Credit Advisor will assist with advising on the appropriate structure for you.

Before you buy a home, you should be aware of a range of issues that may affect that property and impose restrictions or obligations on you, if you buy it. The Due Diligence checklist aims to help you identify whether any of these issues will affect you. The questions are a starting point only and you may need to seek professional advice to answer some of them. You can find links to organisations and web pages that can help you learn more, by visiting consumer.vic.gov.au/duediligencechecklist