Expert home loan guidance & fast approvals. Contact us today : 1800 560 676

Sensible Mortgage Solutions home loan specialists for custom financial strategies for all types of loans.

Empowering Your Financial Future

Experience Tailored Mortgage Solutions Crafted for Success

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Expertise & Experience

Personalised Approach

Wide Network & Access

Commitment to Client Success

At Sensible Mortgage, we're not just about loans; we're about forging pathways to your financial aspirations.

With decades of combined experience, our team brings a wealth of expertise and a deep understanding of the mortgage industry to the table. Our success is crafted in our ability to offer personalised mortgage solutions that align perfectly with your financial goals. Whether you’re a first-home buyer, a seasoned investor, or looking to refinance, our approach is always tailored to your unique circumstances.

Our extensive network and access to a variety of lenders allow us to provide competitive rates and terms that best fit your needs. This, combined with our commitment to your success, ensures that every client journey is smooth and successful. We take the time to understand your situation, providing expert advice and support from application to approval.

We are dedicated to building long-lasting relationships with our clients, guiding them through their financial journeys with integrity and transparency.

Trust Sensible Mortgage to be your partner in achieving your property investment goals, backed by a team that cares about your success as much as you do.

Book a free 20 Min Call

Why Choose Us

Expertise & Experience

Personalised Approach

Wide Network & Access

Commitment to Client Success

At Sensible Mortgage Solutions learn how much you can borrow, the savings required, eligibility for first home buyer grants.

Real Success Stories

Sam and Tracy from Sensible Mortgage Solutions helped us navigate the complexities of securing a mortgage.

Their professional approach and dedication to finding us the best deal were truly impressive.

Thanks to Sensible Mortgage Solutions, we have gained a trusted partner in our financial journey!

Thanks again
Nicole
We just wanted to say Thank you for your help.

Working with Sensible Mortgage Solutions was a game changer! Expert guidance helped us secure a competitive mortgage rate and simplified the entire process.
Chereen & Lee
Thanks to Sam and Tracy, whose extensive industry knowledge and expertise not only guided us through every step but also instilled a strong sense of confidence in our decision-making process.

Their dedication to providing clear and insightful advice ensured that we were well-informed and empowered throughout our experience with Sensible Mortgage Solutions.
Melissa Grose
Sam at Sensible Mortgage Solution has consistently impressed me with his professionalism, expertise, and dedication to client satisfaction. Sam possesses an in-depth understanding of the mortgage industry and takes the time to explain complex processes in a clear and understandable manner. His attention to detail and proactive approach ensured that my mortgage application process was smooth and efficient.
Claire Davis
Working with the Sensible Mortgage Solutions team was a wonderful experience. They were approachable, knowledgeable and great to communicate with. They offered straightforward advice and helped us find a mortgage that made sense for our budget.

Thanks to them, we're now settled in our new home with confidence in our financial future
Paige LD
At Sensible Mortgage Solutions learn how much you can borrow, the savings required, eligibility for first home buyer grants.

FAQs

What is the minimum loan amount I can apply for with Sensible Mortgage?

At Sensible Mortgage, we do not impose a minimum loan amount. However, typical mortgage transactions generally cover most purchase amounts.

How do I know if I qualify for a first home buyer grant?

To determine your eligibility for a first home buyer grant, please email us with your details including name, age, location or suburb, work history, and relationship status (married, single, or other). We will review your information and provide you with tailored advice on your eligibility.

What documents do I need to apply for a home loan?

The process is straightforward. You will need to provide a copy of your recent payslips. If you are self-employed, tax returns will be required to verify your income.

Can I apply for a loan if I am self-employed?

Yes, self-employed individuals can definitely apply for loans with us. We offer competitive “no doc” loans tailored to meet your unique financial circumstances, ensuring you find a solution that pleasantly surprises you.

How long does the loan approval process take?

Once we receive all the required documentation, the loan approval process generally takes about 5 to 6 business days.

What are the current interest rates for mortgage loans?

Current interest rates vary depending on the type of loan and other factors. Please contact us for more detailed information tailored to your specific needs.

Can I refinance my existing mortgage with Sensible Mortgage?

Absolutely, you can refinance your existing mortgage with us. We’re here to ensure the process is as stress-free as possible.

How do I use the financial calculators on your website?

Our financial calculators are designed to be user-friendly. Simply follow the prompts and input your specific financial details as guided to get accurate calculations tailored to your situation.

How can I increase my borrowing capacity?

We can provide tailored advice to enhance your borrowing capacity. Often, a simple action like paying off and closing a credit card can significantly impact your eligibility for higher loan amounts.

What are the benefits of choosing a fixed-rate versus a variable-rate loan?

Fixed-rate loans provide stability, allowing you to plan your budget with certainty, knowing your repayments will not change. Variable-rate loans, on the other hand, offer the potential benefit of lower interest rates when market rates decline, which can reduce the cost of your loan over time.

How does Sensible Mortgage assist with investment property loans?

We work closely with your financial team, including accountants or advisers, to assess your situation. Our approach focuses on directing you towards the most tax-effective strategies for your investment property loans, ensuring your decisions align with your overall financial goals.

Are there any fees for early loan repayment?

Yes, early repayment fees may apply, particularly with fixed-rate mortgages. We ensure transparency by informing you about any potential fees at the outset and throughout your loan term.

How can I get pre-approved for a home loan?

Getting pre-approved is straightforward—simply email us or give us a call. We’ll guide you through the necessary steps to assess your financial situation and provide you with a pre-approval for your home loan.

What support does Sensible Mortgage offer throughout the loan process?

Sensible Mortgage simplifies the loan process by handling all the necessary documentation for you. We guide you through each step, from application to approval, at no additional cost, ensuring a stress-free experience as you secure your financing.

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