Our services

How can Premier Mortgage Solutions benefit you?

We are a full-service mortgage and finance brokering company that specialises in arranging home and investment property loans for individuals, small businesses and large companies. We provide a simple and objective loan-matching service which offers you the opportunity to choose from many of Australia’s best known lenders.

You do not have to pay anything for us to provide you with a Free Mortgage Consultation. Our service is FREE as we are paid by the lender. Our service is fully inclusive - we take care of all the paperwork.

Our service is for life - we don’t just stop at the loan approval. For the life of the loan we are available in case your situation changes.

» Home Loans	» Investment Loans	» Refinancing
» Professional Loans	» First Home Buyers	» Line of Credit
» Low Doc Loans	» No Deposit Loans	» Reverse Mortgages
» Credit-Impaired Loans	» Car Loans	» Personal Loans
» Leasing	» Business Loans	» Commercial Loans

First Home Buyers

Buying a first home can be a daunting experience. While no-deposit loans are available, it is generally accepted that the deposit for a home should be a minimum of 5% of the purchase price. In addition, repayments should not exceed 30% of pre-tax income. There is special assistance available for first home buyers. For example, borrowers may be eligible for a First Home Owner’s Grant, a one-off payment of $7000 that may be used to fund additional expenses or be used as a deposit. There may also be reduced stamp duty for first home buyers. Another way of qualifying for a loan is a family pledge loan where a family member acts as a guarantor that the loan will be repaid.

To increase the chance of obtaining a first home loan, borrowers should have a sound credit history, proof of savings history and pre-approval of a loan. It is also very important to select a home loan type that suits the borrower’s circumstances and budget. For example, making fortnightly rather than monthly repayments can pay off the loan more quickly, while choosing a long repayment period will reduce the amount of regular repayments.