Home Loans - Sunshine Coast Mortgage Brokers

Home Loans

For many people, a mortgage is the biggest financial commitment you’ll make in your life, so it pays to get expert advice and find the right lending option.

Home Loan Limited Deposits 5%

Maroochydore Mortgage Brokers, Best Mortgage Broker Sunshine Coast, Orchard Mortgages

If you have a 5% deposit, you may still be able to qualify for a home loan. Whether you’re currently renting, looking to purchase another property, or maybe you’ve found the perfect property before you saved a 5% deposit… Orchard Financial Group on the Sunshine Coast specialise in securing limited deposit home loans for people just like you. 

Don’t fall into the trap of taking the first loan you can find or believing that you can’t obtain a home loan. 

At Orchard Financial Group, we make it our mission to find you the best possible home loan for your circumstances from around 30 lenders. The mortgage you choose will have a major bearing on your finances for many years to come, so seek the expert advice of Orchard Financial Group to get it right from the start.

Our strength is finding you the right lender. You save time searching, you get expert advice and you ideally save considerable amounts of money by finding the best lending solution. Why wouldn’t you speak with a Broker from Orchard Financal Group?

Often the solution involves consolidating other loans and credit cards, not just a single home loan solution. To find the best option for your circumstances, speak to Orchard Financial Group. There are no fees if we don’t find you an approved home loan.

Call the friendly team at Orchard Financial Group or drop into our office at Maroochydore on the Sunshine Coast, to discuss your limited deposit home loan options today.

Client Testimonials

New Home Loan Client

I had a brilliant experience with Luisa at Orchard mortgage brokers. She really was prompt with her communication, and got a fantastic deal on my mortgage. Thank you
– Josh T

First Home Buyers

Nicky and her team went above and beyond for me in acquiring my first home loan. I’ll continue using Orchard Mortgage Brokers in future.
– P Dools

Refinancing Mortgages & Home Loans

Don’t be content to stick with the loan you’ve got for the sake of simplicity. Chances are, there is a better loan option available which could potentially save you a great deal of money over the term of the loan. With interest rate fluctuations and exit fees, plus various other factors, it’s wise to periodically review your mortgage structure to see if there are any more suitable home loan products you could take advantage of.

Not only should you be considering the difference in interest rate, it’s often the smaller print, the cost of various loan features, and how you structure your mortgage that can make meaningful differences to your budget. Our strength is finding you the right lender and the right lending solutions.

Consider the benefits of refinancing your home loan and call the friendly team at Orchard Financial Group or drop into our office at Maroochydore on the Sunshine Coast, to discuss your refinancing options today.

What To Do When Your Fixed Rate Mortgage Ends | Nicky Orchard | Sunshine Coast Mortgage Brokers | Orchard Mortgages

Residential Construction Loans & Finance (New Build Home Loans)

Construction Loans Sunshine Coast | Maroochydore Mortgage Broker | Orchard Mortgages

Our specialty!  We love construction finance, and where a lot of Brokers steer clear of it, we love nothing more than to help you through the process.

Whether you’re building a new home, building apartments, or renovating a property you already own, there are many options available which may be more tailored to your circumstances than just the common home loan, or refinancing your existing loan. 

 At Orchard Financial Group, we explain the options available to you (plus the benefits and pitfalls which you may not have otherwise identified) and find you the right option from around 30 lenders.  

With decades of experience in residential construction loans, Orchard Financial Group can establish the right loan for you and stagger the lending to suit the construction process, so that you are not paying interest on funds that have not yet been put to use. There are other aspects available such as interest only terms during the construction period. Generally the interest rates on construction loans are relative to standard home loans, but sometimes vary and can work in your favour. Orchard Financial Group can show you how to save unnecessary interest and expenses by choosing the right loan for your residential construction.

Call the friendly team at Orchard Financial Group or drop into our office at Maroochydore on the Sunshine Coast, to discuss your limited deposit home loan options today.

Your Sunshine Coast Home Loan / Mortgage Broker team ​

Our friendly team brings a wealth of experience, knowledge and solutions for people in all kinds of scenarios. Understand your options and start a conversation today.

Orchard Mortgage Brokers | Sunshine Coast Mortgage Brokers

Commonly Asked Questions About Mortgage Brokers

Are Mortgage Brokers Free in Australia?

Mortgage Brokers in Australia don’t charge customers for their services. Instead, Mortgage Brokers are paid by the lenders (banks) once you get your home loan.

Mortgage Brokers are paid by the lender or bank once a home loan settles.

Is It Better To Get a Mortgage from a Bank or a Broker?

Mortgage Brokers can give you more choice. For Instance, if you go to ANZ for a home loan, they can only offer you ANZ rates & loans.  

If you go to a Mortgage Broker you can look at and compare loans from ANZ, NAB, Aussie Home Loans and many other banks and lenders! 

Is It Worth Using a Mortgage Broker?

If you’re thinking of buying a home, getting a mortgage or refinancing, you might be wondering if it’s worth using a Mortgage Broker in Australia. Mortgage brokers can save you time and money by helping you to find the best mortgage for your needs. They have access to a wide range of lenders and products, and they can negotiate on your behalf to get you the best deal possible.

What is the Difference Between a Finance Broker and a Mortgage Broker?

Mortgage brokers specialise in helping people secure loans to purchase property. This can involve working with a variety of lenders to find the best mortgage rate and terms for their clients.

Finance brokers, on the other hand, provide a wider range of services that can include both personal and commercial finance. They may work with banks, insurance companies, and investment firms to find the best financial products for their clients. In some cases, finance brokers may also provide advice on financial planning and investment strategies.

Get started

Take the first step towards finding your right finance solution and let us do the hard work for you.

Let us spot the right
mortgage options for you

Talk to Orchard Mortgage Brokers today
07 5475 4500

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