Great mortgage rates
Secure a competitive home loan without the hassle. Discover how connecting with the right mortgage broker can unlock the great mortgage rates you deserve in Australia.
Great mortgage rates
Secure a competitive home loan without the hassle. Discover how connecting with the right mortgage broker can unlock the great mortgage rates you deserve in Australia.
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How to find great mortgage rates in Australia
Finding great mortgage rates can be tricky, with lenders offering different deals based on your profile. A smart, strategic approach helps you go beyond simple rate comparisons. Key steps:
Know your profile: Strong credit, stable income and low debt improve your rate offers.
Compare widely: Don’t just check major banks, smaller lenders often have better deals.
Negotiate: Use competing offers to gain leverage.
Use a broker: A HeyNest broker compares multiple lenders, including exclusive broker-only rates and negotiates on your behalf, saving you time and money.
Simple, Smart, Chill.
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Skip the paperwork. Connect with your broker online in minutes.
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Your Perfect Match
We link you with the expert who understands your goals.
Tailored Options
Access the best mortgage deals, hassle-free.
Why broker access is essential for great mortgage rates
Approaching your bank directly can limit your options. Mortgage brokers act as your ally, finding the most competitive loans available for your situation. Why it matters:
Wider lender access: Brokers compare dozens of lenders, not just one.
Expert negotiation: They know lender policies and how to secure better terms.
True cost focus: Brokers evaluate all fees and conditions, not just the advertised rate.
Digital ease: With HeyNest, you’re matched online with an independent broker who knows your local market and finds the best rates stress-free.
Stop Stressing: Why a Broker is the 'Smart, Chill' Way
HeyNest
Traditional Bank
Access to many lenders
Compares and negotiates the best market rates for you.
Dedicated, personalized guide every step of the way.
Only offers their own limited products.
Standard, often non-negotiable in-house rates.
Standardized service; often no single dedicated contact.
Factors that influence great mortgage rates
Several factors shape the rate you’re offered, and many are within your control. Main factors:
Loan to Value Ratio (LVR): Low LVR (≤80%) = better rates; high LVR (≥90%) = higher risk, higher rates
Credit score: Clean history = stronger bargaining power.
Income stability: Steady income increases lender confidence.
Loan type: Fixed, variable or interest-only options affect pricing.
Profession: Some jobs qualify for discounted rates.
Working with a HeyNest broker ensures your profile is presented perfectly, maximising your chances of securing truly great mortgage rates.
Simple
Smart
Chill
Heynest
Find your ideal mortgage broker and unlock tailored home loan options without the hassle.
Frequently asked questions
What is the difference between a variable and a fixed rate?
Variable: Fluctuates with the market and lender changes. Fixed: Stays the same for a set period (1-5 years).
Can my existing bank give me great mortgage rates?
They can, but they often won't unless you leverage competitive offers from other lenders. A broker is key for this.
Does using a broker cost me money?
n Australia, brokers are typically paid by the lender upon settlement. The service is often free to the borrower.
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