Finding the perfect first home can be daunting, and that's before you walk into a single bank. That's why we think you’ll love our simple, expert advice, without the pressure many first home buyers unfortunately experience.
If you're looking to upgrade, downgrade or sidegrade homes, and need financing, chat to our team about how we've helped others transition seamlessly. If you already know the process, we can simply be your negotiation team.
Not all properties are great investments, and often to get the best returns, you'll need to have the right people around. As investors ourselves, we can help you get financing for your first, or fifth investment property. Just get in touch.
Have your circumstances changed, maybe a new job or addition to the family? Or are you looking to start those long-awaited renovations? Lots of people refinance for different reasons, let us help you get competitve rates.
Even with the best plans and project managers, building a new home or starting a major construction project can present many unknown challenges. Thankfully we can help you remove the financial unknowns.
Here are some of our most common questions our clients ask
Your first home is one of the most important purchases you’ll ever make, and one of the most difficult too. The biggest pitfalls we see in the Springfield property market is too little deposit, and a tad too little research. Both understandable when it comes to a first home. You need to research the Springfield or Brookwater area, the local amenities, the property type for maintenance and know precisely how much you can afford to borrow and comfortably repay. That's one of the biggest benefits of working with a Springfield or Brookwater Mortgage Broker; we will help you find the loan that fits your current and future lifestyle.
There are several other upfront costs to cover too, including stamp duty and solicitors, on top of that, real estate agents will often push to make a sale, so you have to be strong, and not be afraid to negotiate. As a buyer, you need to be in control, and that is not an easy task when it comes to your first home. If you are purchasing your first home in the Springfield, Brookwater, Ipswich or greater Brisbane area, please contact the Zest Mortgage Solutions team - we have glowing reviews because we know how daunting purchasing your first home can be.
At Zest Mortgage Solutions, we love helping clients that are looking to refinance their home loans, as we can often provide remarkable results in very little time. Many of our clients initially took their mortgage with a bank and now no longer wish to deal with them due to waiting times, excessive administration and frustrations. The beauty of a mortgage broker is that we work for you, not the banks.
At Zest, we start by reviewing your current home loan to benchmark it against the 47 lenders we negotiate with. If there are factors that you like about your current mortgage provider, we can try and match these while analysing rates. We will also help you work out the best interest type for your lifestyle, and if you want to consolidate debt or have access the equity in your home. Once you know what you like/don't like with current lender, get in touch with the Zest Mortgage Solutions team, and we'll help you find the loan terms and rates you want.
If you're looking to upgrade, downgrade or sidegrade homes, there are several big decisions you may need to make to ensure the process goes smoothly - like do you buy, or sell first? This can be a tough decision in the Springfield property market, as selling your property first lets you know exactly how much you can spend on your next home and provides certainty for many people.
But on the flip side, selling first may put you under pressure for a quicker sale, which may give you less leverage and breathing space. You may also be looking at additional rents and moving costs while between homes. There are many factors when it comes to changing homes. The best first step is often to talk to a local Mortgage Broker like Zest Mortgage Solutions. We can help you understand your finances in finer detail so you can make decisions with confidence and certainty.
A construction loan is designed specifically for people who are building or planning to undertake major renovations instead of buying an established property. A construction loan, in most cases, has a progressive drawdown. This means that you will receive your loan money at various stages of your construction instead of obtaining all of the money upfront.
A number of the 47 lenders we work with at Zest Mortgage Solutions in Springfield and Brookwater offer construction loans that are interest-only during the construction phase. Following construction, we revert to a standard interest loan. One of the most significant benefits of working with a Mortgage Broker like Zest is that we can also help you understand and obtain Government grants, like the recent HomeBuilder scheme. If you are looking to build your home from scratch, or renovate, please contact to Zest team to see how a construction loan can help.
Buying an investment property is, for most people, usually a lot less emotional and stressful than buying your own home. There are some easier checkboxes, like buying an investment property in the right area, be that the growing Springfield, Brookwater or Ipswich areas, and knowing the property's ability to return stable rental income and capital growth. In essence, you want to purchase an investment property that could potentially double in value every 7-10 years.Buying an investment property is, for most people, usually a lot less emotional and stressful than buying your own home. There are some easier checkboxes, like buying an investment property in the right area, be that the growing Springfield, Brookwater or Ipswich areas, and knowing the property's ability to return stable rental income and capital growth. In essence, you want to purchase an investment property that could potentially double in value every 7-10 years.
When it comes to investment properties in the Springfield area, like any area, you also need to know your best, and the worst-case costs in fine detail. Tax and expenses should your investment property have no tenants for a period of time all need to be calculated. Additionally, you need to factor in maintenance and repairs, which can vary significantly from property to property. If you are looking to buy an investment property, it would be worth chatting to the Zest Mortgage Solutions team in Brookwater; we help local and clients all over secure investment properties in the Springfield, Brookwater, Ipswich and Greater Brisbane areas.
There are many benefits of working with a local Springfield and Brookwater Mortgage Broker like Zest who knows the local property market. Besides the area expertise, we are also easy to get to and work with for our clients. Many of our clients are super busy, making working with a Mortgage Broker who's a little further away extremely difficult.
The Zest Mortgage Solutions team is also personally invested in the Springfield and Brookwater areas and community, which means we care about the home you buy. We love living and working in Brisbane’s western suburbs, and we think our team's commitment to helping the Springfield area prosper shows through our client review. Please feel free to meet the Zest Mortgage Solutions team here.
"Mel truly made our first experience buying a house a painless and exciting process. We cannot thank her enough for all of the help and guidance she showed. We wouldn’t have been able to do this without her and cannot recommend her highly enough."
"Melissa went above and beyond to help us into our first home, making the process so easy. Her communication was fantastic keeping us up to date with every stage of the application. We are building our first home and there is no doubt it wouldn’t have been possible without Mel."
"My husband and I had tried another broker before Mel and were left disappointed with their service. Mel was a breath of fresh air and nothing was too much trouble for her! She was able to get us a much better rate than we had previously discussed and all done in record time. "
"I can not recommend Mel from Zest Mortgage Solutions, highly enough. We have been involved with many banks and brokers before but none of them have offered the knowledgeable and thorough advice that Mel has. She is patient, dedicated and committed to saving you money and ensuring future financial success."
"After trying 2 other brokers with less that satisfactory results, I turned to Mel, and within a week we had finance approved for our dream home. This was a year ago, and I still thank my lucky stars for her. Not only did she change our lives, I am now lucky enough to call her a friend. Thankyou for everything! That glass of wine is still waiting for you!"
Book your free consultation with West Brisbane’s stress free Brookwater Mortgage Brokers today!