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8 Ways We Help Geelong Home Owners and Investors Get the Very Best Home Loan and Save Thousands in Interest, Fees and Tax

Choosing the right mortgage can help you save thousands of dollars to enjoy now and invest to build wealth for your future. However, the wrong loan can burden your family with unnecessary financial pressure and stunt your progress towards financial independence.

For 22+ years our independent team has specialised in Geelong Home Loans and serviced surrounding regions, including: the Bellarine Peninsula, Torquay, Ocean Grove and Barwon Heads.

Here’s some of the ways we help you get approved for the right loan:

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Hundreds of Loans Compared

Our independent analysis compares hundreds of loans from 40+ lenders to help you save thousands in interest, fees and tax, and take years off your mortgage. If you need help applying for the First Home Loan Deposit Scheme or the First Home Owners Grant (FHOG), we can help with that too. (Check out our “Home Loans Geelong” page for a step-by-step, easy-to-understand overview of the lending process.)

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Structured to Save Tax Too

Our trusted network of professional advisors helps you structure your finances to legally save tax, giving you greater cash flow to improve your lifestyle, reduce debt, and invest for your future.

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Ongoing Yearly Reviews

Yearly reviews and lender re-negotiations ensure you always have the best loan and never pay more than you need to (often without even changing loans). When a new loan is required, pre-filled paperwork makes switching quick and easy.

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Fast, Efficient Processing

Our advanced software system maximises approval and simplifies the loan process, saving you hours of paperwork.

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The Confidence of Genuine Loan Pre-Approval

While some lenders only offer approval estimates, our genuine Loan Pre-Approval gives you confidence to bid on properties knowing the money is there when you need it. Even if you think you’re still 12 months off buying, it’s never too early to have a Lending Strategy Session so you know your options. No cost or obligation.

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Your Local Finance Experts (and Cats Supporters)

Unlike our big city cousins that count their clients by the thousands, Aussiewide is a local Geelong mortgage broker that cares. When you call us, you get a real person, not an overseas help desk. Like to chat face-to-face? Pop into our office – parking is easy right outside the door.

We know and love Geelong and the Ballarine Peninsula. When we’re not working, you’ll find our families involved in the community — relaxing by the foreshore, shopping at the markets, surfing, and enjoying a few sunny beers at Little Creatures. And of course, down at GMHBA Stadium cheering on the mighty Cats!

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22+ Years of Lending Expertise

Whether you’re buying your first home and need to know about government grants, refinancing, or looking for an investment property, you’ll have more than 22 years of specialist Geelong mortgage broking knowledge on tap to help you every step of the way.

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Our Best Lending Advice - Free and Without Obligation

Whether you’re thinking about buying a property or just want to make sure you’re not overpaying on your current loans, get in touch for a Free Lending Strategy Session (at our Geelong office, at your home, or online via Zoom) where we will share our best ideas and advice, specific to your situation, 100% free.

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How To Get The Very Best Home Loan And Save A Fortune On Interest, Fees And Tax Along The Way.

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An Independent Mortgage Broker Geelong Locals Can Depend On

Over the past 22 years our team has helped more than 2183+ Geelong and Bellarine Peninsula home owners and property investors save years in repayments, fees and tax. Here’s what some say about their savings and experience with Aussiewide Financial Services.

Frequently Asked Questions

Why should I see a Mortgage Broker rather than my bank?

When applying for a loan through a bank, you are limited to the small range of loans they offer. And the rates they set. Sure, you could try to compare their loans with other banks. But that would take hours making phone calls, filling in applications, negotiating rates, and analysing a confusing spreadsheet of data. It’s more complicated than comparing phone plans!

The team at Aussiewide Financial Services has a proven system to compare rates, fees and conditions from more than 40 lenders. Check out our “Home Loans Geelong” page, where we walk you through every step of the process in simple, easy-to-understand language. We do all the research, administration and negotiation on your behalf – saving you many hours of tedious work and potentially confronting conversations. In short, we make it easy to get the very best loan.

How are you different to other Mortgage Brokers?

Any Mortgage Broker can find you a loan. But not all have the network, knowledge and experience to get you the best loan that saves you years of repayments and fees. Or the team to help you structure your finances to save tax.

The experts at Aussiewide not only guarantee to find you the best loan, we automatically review your loan each year to ensure you always have the best deal. And we offer advice on how you can redirect any savings to pay your loan off sooner or invest for greater returns in the future. In other words, we help you have more cash in your pocket today and tomorrow.

What type of loans do you specialise in?

We help clients with all types of home loans including first homes, upgrade, refinance, and investment properties.

How much can I really save?

Naturally, that depends on numerous factors including the loan you have now, the amount you borrow, and the current market conditions.

The average mortgage in the Geelong and Bellarine Peninsula region is around $450,000. And the average monthly mortgage payment is $2020 (at 3.5%).

We estimate that about 70% of home owners and investors are needlessly overpaying interest, fees and tax relating to their home and investment loans.

Over the past 22 years, we’ve interviewed thousands of mortgage holders. And we have (consistently) been able to save seven in ten people at least $330 per month in repayments.

That’s $3960 per year or $118,800 over the life of their loan!

How much can I borrow?

During your free Lending Strategy Session we will analyse your situation and give you an accurate idea of your borrowing capacity. We can even arrange full Loan Pre-Approval so when you find the right house, the money is ready.

Can’t I negotiate a better rate with banks on my own?

Some people are able to negotiate a better rate with their own bank. But many find this process stressful, time consuming and uncomfortable. And it doesn’t guarantee you have the best loan available in the market. (In other words, even with a better rate, you still may be paying more than necessary.)

We guarantee to get you the very best loan. And we look after all the research, negotiation, and administration, saving you hours of work and potentially confronting conversations.

How much are your fees?

Using Aussiewide typically costs you absolutely nothing.

Banks do pay us a commission that they otherwise would have allocated towards marketing and advertising, however, you will usually get a much better deal through us because unlike banks, we’re not limited to the loan products of any one lender.

In special circumstances a fee may be charged, however you will always been advised before proceeding with any lender recommendation.

Not only do you receive free, independent, expert lending advice, we offer additional property and financial guidance based on our 22 years of experience and our network of trusted advisors.

It’s a no-brainer if you ask us.

Isn’t your advice biased and based on commissions you receive?

Unlike some Mortgage Brokers that are restricted to a network of lenders as defined by their dealer group, Aussiewide is completely independent. That makes us a mortgage broker Geelong locals can rely on. We can compare hundreds of loans from more than 40 lenders to help you get the very best loan. And while commissions may vary (slightly) between lenders, we have a 22+ year track record of serving our clients’ best interests. Our goal is not to merely make sales – we are dedicated to forging lifelong relationships. And therefore, our advice is fully transparent, always impartial, and in your best interest.

What about exit penalties when swapping loans?

Exit penalties can often be negotiated and eliminated or reduced. In any case, our comprehensive analysis takes all penalties and fees into account to ensure you get the best financial outcome.

Are your tax strategies risky?

We do not believe in high-risk strategies that may be considered questionable in any way. We follow the rules and advise our client to do the same. And we work with a team of specialist financial experts who help our clients structure their finances for maximum savings and security.

What’s the difference between genuine Loan Pre-Approval and an approval estimate?

Sadly, some home buyers and investors sign a contract based on what they think is a Loan Pre-Approval only to discover it was only an approval estimate. This not only causes significant stress, it can put the contract at risk and lead to loss of deposit.

Aussiewide Pre-Approval is a genuine Loan Pre-Approval which means you can search for and bid on a house knowing the money is ready when you need it.

I’m just starting to think about buying a home, when’s the best time to see a Mortgage Broker?

The sooner the better. Because, we don’t merely help you get the best loan. We answer all your questions and help you through the entire process. So, whether you’re ready to make an offer on a property, you’re thinking about buying your first house, or you’re just wondering if you may be able to save some money on your mortgage, book at Free Strategy Session and benefit from our 22+ years of experience. There’s no obligation and absolutely nothing to lose.

Where’s the best place to buy in the Geelong area right now?

Geelong and the surrounding area is a wonderful place to live and invest. Book a Free Strategy Session and we can put you in touch with our network of trusted professionals who will help you find the property you’re looking for.

Enquire Now To Arrange A Free Lending Strategy Session

Discover how to get the right home or investment property loan that saves years in repayments, fees, and tax, so you can live more comfortably and securely, now and in the future

Free Lending Strategy Session