Did you know that around 70% of all Australians now use a mortgage broker, as opposed to dealing directly with banks? A mortgage broker makes everything easier and can get you the right deal.
We work for you, not the banks.
At Zest Mortgage Solutions, we believe buying a home, be it your first or fifth, should be simple and stress-free.
Here are some of our most common questions
Did you know that these days approx. 70% of all Australians use a Mortgage Broker for their home loans or refinancing, as opposed to working directly with a bank? The biggest advantage of a Mortgage Broker like Zest Mortgage Solutions in Springfield QLD is that we negotiate with over 60 different lenders behind the scenes, to get the best deal for your needs.
At Zest, we work for you, not the banks.
A Springfield Mortgage Broker like Zest Mortgage Solutions can also simplify the paperwork and help you understand the processes required, like finding and working with the right solicitors. With so much to think about when buying, refinancing or investing, keeping it simple matters.
There are plenty of benefits of working with a local Springfield Mortgage Broker who knows the Springfield area, local property trends etc. Perhaps one of the biggest benefits is being easy to get to and have lots of parking. At Zest, many of our clients are super busy, and we can work around your schedule. That's near impossible if you work with a non-local Mortgage Broker.
The Zest Mortgage team is also personally invested in the Springfield area and community. Just this year, Mel Wright, Zest's founder, was nominated as Springfield's business person of the year, and our kids go to school here. We love living in Springfield and Brisbane’s western suburbs, and we think this shows for our clients and reviews. You can meet our local team here
Understanding how much you can borrow for your home loan can be complex, as interest rates, supply and demand, inflation etc. is always changing. In some scenarios, you can possibly borrow up to 95% of the property value. However, to avoid complications, expenses and risks, we would recommend a deposit of at least 20% of your property’s purchase price. As an example, for a $400,000 Springfield home loan, an $80,000 deposit is ideal and you will pay less interest, generally much less insurance, and won’t need a guarantor.
For first home buyers, this may delay the process, and so it’s a balancing act. If you are unsure whether to borrow now or later with a larger deposit, please just get in touch with the Zest Mortgage Solutions team, and we can try to simplify everything and give you the best Springfield home loan options.
There are a number of various types of home loans, and the one that is right for you will ultimately depend on your circumstances. That's what working with a Mortgage Broker matters; we will find the right home loan type for you. Some of the different home loan types in Australia include: Fixed & Variable home loans, Bridging loans, Construction loans, Interest-only loans, an Introductory loan, Low doc loans and more.
Saying that, either a fixed or variable home loan is the best option for the majority of our Springfield clients who are borrowing or refinancing their home loans. Many of the other loan types are created for unique circumstances. At the end of the day, it’s best to chat with a local team like Zest Mortgage Solutions to understand the different types, and what home loan is best for your needs and lifestyle.
Yes, you can directly approach any bank to discuss your home loan needs, perhaps a new bank or the one you keep your accounts with. However, try to see as many banks as you can. At Zest Mortgage Solutions, we negotiate with over 60 lenders, including the big 4 banks, and you'd be amazed at how different each bank is. It's partly why most people in Springfield use Mortgage Brokers like Zest Mortgage Solutions these days - it's much simpler.
Another thing to consider is that if down the road, you wanted to change banks or lenders, this can get a bit complicated. Working with a Springfield Mortgage Broker helps a lot here, and a Mortgage Broker is not tied to any bank, so we can provide transparent advice and options.
The Zest team is located in Brookwater in the Springfield QLD area, but we service the entire Western Suburbs and wider Brisbane, and even interstate investors looking to invest in the growing Springfield area. Many of our delighted clients are in the Springfield area, and we’re happy to chat about your mortgage needs at any time.
Please feel free to find our contact details here.
"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
Book your free consultation with West Brisbane's stress free Mortgage Brokers today. We've a 99% loan success rate!