Homefree Mortgages has experience working with all loan types and lifestyle scenarios.
Our panel of more than 30 lenders allows us to help you find the best fit for your needs, whether you're a first home buyer or purchasing a new investment property for your self-managed super fund (SMSF).
Homefree Mortgages can help make owning your first home a reality.
First home buyers can face some intimidating questions when considering entering the property market:
How much canI afford to spend on my first home?
What type of property should I buy?
How can I managethe mortgage repayments?
How can I fit allof this into my busy schedule?
Homefree Mortgages takes the stress out of purchasing your first home by providing a trusted and reliable representative to answer your questions and:
•advise you on government grants (FHOG) and if you are eligible to apply. If applicable, we organise it all for you. (See below for some guidelines on the First Home Owners Grant),•help you decide on a suitable loan product, from one of our 30 residential lenders,•explain in detail what is required of you and what costs will be involved in the process. This includes stamp duty, conveyancing and fees,•submit and monitor your application.
Homefree's finance brokers specialise in making you feel comfortable and informed and do all the heavy lifting so you can concentrate on the excitement of owning your first home.
If you answer YES to all of the questions below, you may be eligible to claim the First Home Owners Grant.
Are you an Australian citizen or permanent resident?
Are you buying or building your first home, in Australia?
Do you intend to occupy the home as your principal place of residence within 12 months of the settlement?
Is this the first time you have applied for the FHOG?
•The FHOG is not payable for existing homes, although you may be eligible for a stamp duty reduction.•The FHOG is subject to change, so please ask your experienced Homefree Mortgages broker for the latest updates when you visit for your free, no obligation consultation.
Whether you are considering your first investment property or have a growing portfolio, building your wealth through property is a solid long-term investment strategy.
Homefree Mortgages will assist you to understand your current objectives and future goals. The experiencing team will work with you to select a tailored loan product to fulfil your requirements.
Homefree Mortgages can also produce personalised property profiles with valuable statistics, to ensure you have the correct knowledge and data when purchasing your investment property. This is a valuable service, with results you can consider during your decision making process.
We appreciate how important your time is, which is why we provide a selection of products, from a variety of lenders. We also complete all the necessary documentation on your behalf and are with you every step of the process. This ensures that arranging your finance is simple and straight-forward.
When refinancing your loan, there can be additional costs and potential time delays that you may not be aware of.
Homefree Mortgages' brokers have access to an extensive panel of lenders, which makes them confident in assisting you to find the most suitable product.
The professional team at Homefree Mortgages can expertly guide you, whether you are refinancing your home or investment property loan to purchase a new vehicle, complete renovations or go on that well deserved overseas holiday.
Purchasing your next home is exciting and sometimes overwhelming. Homefree are here to guide you through the entire process and ensure that you are left smiling.
If you would like more information about purchasing your next home, please call Homefree to speak with one of our professional team members.
Homefree Mortgages can help find a car finance loan to suit your circumstances, whether you require a vehicle for work or leisure.
What types of vehicles can we finance?
•New cars•Used cars•Trucks•Commercial vehicles
Our team can also help you secure equipment finance for your business needs.
What equipment can we finance?
•Earth moving/construction•Farm machinery•Water tanks•Boats and yachts•IT and computer equipment•Heavy equipment•Office and retail equipment•Medical equipment•Forklifts•Industrial equipment
Homefree Mortgages offer commercial property loan finance, tailored to your needs, from a variety of top Australian commercial lenders.
Our very experienced brokers can provide commercial loan finance options from simple, to more complex transaction scenarios.
With years of experience and specialist knowledge, our team will help you structure your finance correctly, advise you and organise your application, so you have the best opportunity to obtain a competitive loan.
Homefree Mortgages offer:
•Business finance•Rural property loans•Commercial self managed super fund loans•Commercial property loans•Property development•Overdraft and cash flow lending•Purchase and acquisitions
Homefree Mortgages can assist you in achieving your goals, whether you're looking for a business loan or finance for a commercial property.
We offer a no obligation consultation to review your current lending situation and advise you of options that could save you thousands of dollars over the life of your loan. Please contact Homefree to arrange your mortgage review.
A Mortgage Broker is a go-between person, between the borrower and the lender, who negotiates the loan on your behalf.
We are the ones responsible for finding you or your company the best and most competitive product to suit your needs.
At Homefree Mortgages, we will approach your lender of choice and, when possible, we will negotiate special pricing below the advertised rate.
There are a number of benefits to using a broker, particularly through the application process.
Firstly, we do the legwork and research for you. We are already up to date with all of the new products and rates that you may not be aware of.
At Homefree Mortgages, we make it our business to take care of everything for our clients. Even once your loan has settled, we encourage you to contact us for anything you may need.
Essentially, we are a one stop shop. You will never have to sit on hold to your bank if you are wanting to ask a question or change an account. We do that for you. We also liaise with your conveyancer or solicitor and real estate agent if required.
A Mortgage Broker takes the stress out of buying a home or investment property for you. We shop around for the most competitive rate and product that is going to suit your specific needs.
We will explain everything clearly, so that you can understand exactly what is happening.
We take care of the initial application from the start, all the way through to settlement, and beyond.
A Mortgage Broker is paid by receiving a commission or fee from lenders. This commission will vary depending on the lender as well as the size of the loan.
Firstly, an upfront commission is paid. This is the largest proportion of our payment and is normally around 0.55% to 0.77% (inc. GST) of the loan value.
The second part of our payment is through a recurring commission, also known as a "trailing commission". This is paid on a monthly basis and is calculated based on the remaining loan amount each year. While some lenders offer no ongoing commission, others offer an ongoing commission of 0.165% to 0.33% based on the remaining value of the loan.
Absolutely nothing! Our service to you is free of charge as we make our money through commission from our lenders.
The commission can vary slightly with different lenders, though it is still fairly standard across the industry regardless of which lender we arrange your financing through. This way you can be sure that there are no conflicts of interest and that we are always looking for the mortgage that will best suit you and your circumstances.
At Homefree Mortgages we are not interested in buzzwords or advertising jargon; we are simply committed to providing our clients with honest, straight-forward and individualised advice.
Homefree Mortgages was established in 2011 by Director Nathan Xenophontos. The office is located in leafy Ferntree Gully and the team includes six dedicated members, with more than 50 years combined industry experience.
Types of loans we offer:
•Home loans•Business finance•Car loans•Refinancing•Investment loans•Commercial property loans•First home buyer home loans•Chattel mortgage/hire purchase•Self employed loans•Self-managed super fund loans•Vehicle and equipment finance•Rural property loans
No matter who you are, we can help:
•First home buyers•Home owners•Property investors/developers•Self managed super fund borrowers•Business owners•Self employed borrowers
Homefree has access to hundreds of products via our panel of more than 30 residential and 14 commercial lenders. We can find the most suitable solution for your personal and business needs.
At Homefree Mortgages we work for you, not the bank, so your goals and requirements always come first. We focus on helping you develop strategies to achieve your goals.
Nathan has been working as a broker for nine years and is extremely dedicated to his work. He goes above and beyond to ensure all of his clients a smooth process and takes pride in offering the kind of old fashioned, personalised service many don't expect to see in a modern business setting.
Nathan is highly qualified in all areas of mortgage broking. He is a fully accredited member of the Mortgage and Finance Association Australia (MFAA) and the Credit Ombudsman's Service. He has a diploma of Finance and Mortgage Broking Management, as well as a Certificate IV in Finance and Mortgage Broking.
As well as being a successful and experienced mortgage broker, Nathan has been a first home buyer, property investor, property developer and has experience with subdivision. Nathan has successfully completed numerous property developments in Melbourne's eastern suburbs and has attained a substantial property portfolio.
In his spare time Nathan enjoys spending time with his wife and two children, Max and Ava. He also enjoys supporting his beloved football team, the mighty Hawks.
Does your broker have their own property portfolio?
Do they have the same level of real world finance experience?
Are you sure they really understand your situation and individual needs?
If not, call Homefree Mortgages for an obligation free discussion about your property goals and how best to achieve them.
Contact Details:Nathan@homefreemortgages.com.aut: 03 9753 5208f: 03 9753 5213 m: 0409 31 61 61
Nathan Xenophontos is a credit representative (Credit Representative Number: 399302) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License Number. 391237) | Corporate Credit Representative Number: 397638
Greg brings more than 30 years of finance experience to the Homefree Mortgages team.
For eight years, Greg worked for a major bank, as a business banking manager. Greg specialises in commercial lending and vehicle and equipment finance.
Greg is a Ferntree Gully local, who enjoys spending time with his family and watching his son play football, in his spare time. He loves listening to rockabilly music and cheering on his favourite sports teams.
Contact Details:firstname.lastname@example.org: 03 9017 6642f: 03 9017 6697m: 0432 286 123
Greg Simpson is a credit representative (Credit Representative number 435524) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License No. 391237) | Corporate Credit Representative Number: 435390
Edward, is Homefree Mortgages' newest finance broker. He has experience in real estate and personal investment, having worked for his family's real estate business for many years and then running a Harcourts office.
Edward was always intrigued by the financial industry and became a fully qualified finance broker. With his extensive knowledge of residential mortgage products, Edward can assist you in finding the best product to suit your needs.
Edward has always lived in the Dandenong Ranges and enjoys travelling with his wife and growing a wealth portfolio. He has a number of investment properties and understands this transaction from the buyer's, seller's, agent's and lender's perspective. With this wealth of knowledge, you can rely on Edward for exceptional service.
t: 03 9017 8183f: 03 9017 8190m: 0400 522 464
Edward McInerney is a credit representative (Credit Representative number 462220) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License No. 391237) | Corporate Credit Representative Number: 462146
Robyn is our Customer Relations officer and loan writer and has been with the team at Homefree Mortgages for two years now.
Robyn has an extensive background in administration and customer service, as well as an associate diploma in arts - Graphic Art.
Prior to joining the team at Homefree, Robyn had taken a few years off to be a stay at home mum to her two beautiful children Mia and Ethan.
Robyn ensures that all loans are input correctly, as well as following through on all applications from the beginning to settlement.
You will be sure to speak with Robyn throughout your progress when dealing with Homefree Mortgages. She brings a breath of fresh air to the team and we can guarantee you will be comfortable in knowing she has everything under control when dealing with your application.
t: 03 9753 5208f: 03 9753 5213
Melissa is the newest addition to the Homefree Mortgages team. She is Homefree Mortgages' Office Manager, helping out with all administration and marketing tasks.
Melissa has previous experience in marketing and administration as well as data analysis, previously working in the market research industry.
In her spare time, Melissa enjoys travelling the world and spending time with family including her adopted greyhound.
The warm and friendly Melissa will be your first port of call when you phone, email or visit the Homefree Mortgages' office.
Phone: 03 9753 5208Fax: (03) 9753 5213Email email@example.comOffice Address: 1st Floor, Shop 11, Mountain Gate Shopping Centre,1880 Ferntree Gully Road,Ferntree Gully VIC 3156Postal Address: PO Box 1033,Mountain Gate, VIC 3156