How much can you borrow?

Yes, we can still have a conversation with you even if your credit history is not perfect. Having a default, missed payment, or other credit issue on your record does not automatically mean you cannot access finance. Different lenders have different policies, and some are more flexible than others when it comes to past credit issues. At Your Mortgage Solutions Group, we will take the time to understand your full situation before exploring what options may be available to you. We will always be honest with you about what is realistic, and we will never put you in a position that is not in your interest. A conversation costs nothing, so reach out and let us have a chat.

When you go directly to a bank, you only see what that one lender can offer. At Your Mortgage Solutions Group, we work with a wide range of lenders, which means we can look across multiple options to find something that suits your needs. We also bring experience and knowledge to the table, helping you understand the differences between loan products, what the terms mean, and what questions to ask. Our team is based right here in South East Queensland, so we understand the local property market and the kinds of situations our clients face. We are in your corner, working to find a solution that works for you.

Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial conversation. There is no obligation and no pressure. We will start by having a chat about your situation, what you are hoping to achieve, and any questions you might have. From there, we will let you know what information we need and what the next steps look like. We work with clients across greater Brisbane and Australia wide. We are happy to meet in person, over the phone, or via video call, whatever works best for you. Our team is here to support you, so do not hesitate to get in touch and start the conversation.

In most cases, our service does not cost you anything directly. Mortgage brokers in Australia are typically paid a commission by the lender once your loan settles. This means you can access our knowledge, support, and lender connections without paying out of pocket for our time. We are always upfront about how we are paid, and we will explain this to you clearly before we get started. Transparency is something we take seriously at Your Mortgage Solutions Group. If there are any situations where a fee may apply, we will let you know well in advance so there are no surprises along the way.

While the exact requirements can vary depending on your situation and the lender, there are some common documents most lenders will ask for. These typically include proof of identity such as a passport or driver's licence, recent payslips or proof of income, bank statements from the past few months, details of any existing debts or liabilities, and information about the property you are looking to purchase. If you are self-employed, you may also need to provide tax returns and business financial statements. At Your Mortgage Solutions Group, we will give you a clear checklist based on your specific circumstances so you know exactly what to gather before we get started.

A mortgage broker acts as the go-between for you and a range of lenders, including banks, credit unions, and other financial institutions. Rather than you having to contact each lender individually, your broker does that work on your behalf. At Your Mortgage Solutions Group, we take the time to understand your situation, your goals, and what you are looking for in a home loan or finance product. We then research options from our panel of lenders and present you with choices that suit your circumstances. We handle the paperwork, liaise with lenders, and keep you informed throughout the process so you always know where things stand.

Absolutely. Buying your first home is one of the biggest financial decisions you will make, and it can feel overwhelming when you are not sure where to start. At Your Mortgage Solutions Group, we work with first home buyers regularly and we know how important it is to feel supported and informed. We will walk you through how the loan process works, what documents you will need, and what to expect at each stage. We will also help you understand any government grants or schemes you may be eligible for as a first home buyer in Queensland. Our goal is to make sure you feel confident and clear-headed every step of the way.

Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for a range of reasons, such as wanting different loan features, looking to consolidate debts, or simply wanting to review whether their current loan still suits their needs. It is worth having a conversation about refinancing if your circumstances have changed since you first took out your loan, or if you have not reviewed your loan in a few years. At Your Mortgage Solutions Group, we can look at your current loan and compare it against what else is available, helping you understand whether making a change could work in your favour. We will always explain the costs involved in refinancing so you can make an informed decision.

We assist clients with a broad range of finance needs. This includes home loans for first home buyers, loans for people looking to upgrade or downsize, investment property finance, refinancing existing loans, and loans for self-employed individuals. We also help with car loans, personal loans, and commercial finance for business owners. Whether you are buying your first home in Brisbane, looking to grow a property portfolio in South East Queensland or across Australia, our team is here to help. We take the time to understand what you are trying to achieve before recommending any course of action.

The timeline can vary depending on a number of factors, including the lender you go with, how quickly documents are provided, and the complexity of your situation. In general, once a full application is submitted with all the required documents, lenders can take anywhere from a few days to a few weeks to provide formal approval. At Your Mortgage Solutions Group, we work to keep things moving by staying in regular contact with lenders and following up on your behalf. We will keep you updated throughout the process so you are never left wondering what is happening. Being prepared and organised from the start can make a real difference to how smoothly things go.