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
This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.
The types of information that we collect and hold about you could include:
•ID information such as your name, postal or email address, telephone numbers, and date of birth;•other contact details such as social media handles;•financial details such as your tax file number; and•other information we think is necessary.
We may collect information about you because we are required or authorised by law to collect it. There are laws which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law.
If you’re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you.
If you start but don’t submit an on-line application, we can contact you using any of the contact details you’ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed.
We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum.
To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure.
Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date.
There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details.
Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where:
•we collect information from third parties about the loan or lease made available to you arising out of the services we provide you;•we can’t get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties) to update your contact details; or•we exchange information with your legal or financial advisers or other representatives.
If you don’t provide your information to us, it may not be possible:
•for us to give you the credit assistance you seek from us;•to assist in finding a loan or lease relevant to your circumstances;•verify your identity or protect against fraud; or•to let you know about other products or services that might be suitable for your financial needs.
We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are:
•your co-loan applicants or co-borrowers;•your guarantors/proposed guarantors;•your employer, accountant, real estate agent or other referees;•your agents and other representatives like the person who referred your business to us, your solicitors, conveyancers and settlement agents;•organisations that help us to process credit applications;•organisations that check the security you are offering such as valuers;•bodies that issue identification documents to help us check your identity; and•our service providers involved in helping us to process any application you make for credit through us.
Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited information’). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll ensure we do the right thing and destroy or de-identify it.
When we receive personal information from you directly, we’ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint.
Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are:
•document storage security policies; •security measures for access to our systems; and •only giving access to personal information to a person who is verified to be able to receive that information
We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.
We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified.
Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to:
•give you credit assistance; •give you information about loan products or related services including help, guidance and advice; •consider whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer; •assist you to prepare an application for a lease or a loan; •administer services we provide, for example, to answer requests or deal with complaints; and •administer payments we receive, or any payments we make, relating to your loan or lease.
We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you.
With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organisation.
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.
We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including:
•telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;•identifying opportunities to improve our service to you and improving our service to you;•allowing us to run our business efficiently and perform general administrative tasks;•preventing any fraud or crime or any suspected fraud or crime;•as required by law, regulation or codes binding us; and•any purpose to which you have consented.
To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information.
Sharing Your InformationWe may use and share your information with other organisations for any purpose described above.
Sharing with your representatives and refereesWe may share your information with:
•your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and•your referees, like your employer, to confirm details about you.
Sharing with third partiesWe may share your information with third parties in relation to services we provide to you. Those third parties may include:
•the mortgage aggregator through whom we may submit loan or lease applications to lenders or lessors on the mortgage aggregator’s panel;•the Australian Credit Licence holder that authorises us to engage in credit activities;•referrers that referred your business to us;•valuers;•lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;•organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;•government or regulatory bodies (including ASIC and the Australian Taxation Office) as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;•guarantors and prospective guarantors of your loan or lease;•service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information;•any organisation that wishes to take an interest in our business or assets; and•any third party to which you consent to us sharing your information.
Sharing outside of Australia
We are not likely to disclose your information to organisations overseas. However, we may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held.
We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone.
We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first.
We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when:
•we believe there is a threat to life or public safety; •there is an unreasonable impact on other individuals; •the request is frivolous; •the information wouldn’t be ordinarily accessible because of legal proceedings; •it would prejudice negotiations with you; •it would be unlawful; •it would jeopardise taking action against serious misconduct by you; •it would be likely to harm the activities of an enforcement body (e.g. the police); or •it would harm the confidentiality of our commercial information.
If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’.
Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s:
•inaccurate; •out‑of‑date; •incomplete; •irrelevant; or •misleading.
If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can - if we can’t, then we’ll let you know in writing.
If you ask us to correct credit information, we will help you with this in the following way.
Helping you manage correctionsWhether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake.
Where we correct informationIf we’re able to correct the information, we’ll let you know within five business days of deciding to do this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can’t do this, then we’ll let you know in writing.
Where we can’t correct informationIf we’re unable to correct your information, we’ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner.
Time frame for correcting informationIf we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you.If we can’t make corrections within a 30 day time frame or the agreed time frame, we must:
•let you know about the delay, the reasons for it and when we expect to resolve the matter;•ask you to agree in writing to give us more time; and•let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us.
You can contact us by using the details belowNathan Xenophontos03 9753 firstname.lastname@example.org
We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days.
If you still feel your issue hasn't been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner:
Online: www.oaic.gov.au/privacyPhone: 1300 363 992Email: email@example.comFax: +61 2 9284 9666Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601
If your complaint relates to how we handled your access and correction requestsYou may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it first.
For all other complaints relating to credit informationIf you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days.
Ask for more time if we can’t fix things in 30 daysIf we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
Letting you know about our decisionWe’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback.
You can contact us by using the details below:Nathan Xenophontos03 9753 firstname.lastname@example.org
If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when:
· it is impracticable; or· we are required or authorised by law or a court/tribunal order to deal with you personally.
In certaincircumstances we may be required to collect government-related identifiers suchas your tax file number. We will not use or disclose this information unless weare authorised by law.
This Policy may change. We will let you know of any changes to this Policy by posting a notification on our website.
 However we’ll never ask you for your security details in this way – if you are ever unsure, just contact us