OUR SERVICES

Your Local Gold Coast Mortgage Broker

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We are Crest Lending. We deal with banks and lenders, so you don’t have to. Our goal is to help you find the right home loan to get you the house you want. Our team of finance brokers on the Gold Coast work with a range of mortgage lenders to find home loans for everyone from first time home buyers to larger investment applications required for property development funding. 

The team at Crest have a wealth of experience and all our brokers take the time to understand your individual situation, work out what you can afford to borrow, and provide you with a range of options letting you know how much the loan will cost upfront. 

It’s your job to dream about your future home. It’s our job to help make it happen. We service:

home loan broker
buying first home

First home buyers

Guiding you through your first home loan process, making it simple, and saving you time. We can help work out how much you need for a deposit or whether you’re eligible for a grant.

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Construction loans

Building a home can be a challenging time, and managing a construction loan adds to the challenge. Construction loans are paid in installments and are delivered to builders at each stage of the build, and we help manage this process on your behalf.

buying first home

Refinance home loans

Consolidate debts, get a better interest rate and reduce your home loan repayments with a refinance home loan.

buying home finance

Bridging loans

Considering moving but unsure how to transfer your loan? We can help you find a bridging loan where you borrow the money you need for your new home and have 12 months to sell your current home.

renovation loan

Renovation loans

Does your home need a major structural upgrade, or are you finally in a position to renovate your kitchen? We can advise how to manage your budget when applying for a renovation loan.

Investment home loans

Are you thinking of building your property portfolio? Use the equity on your existing home as borrowing power for an investment home with our help.

mortgage lenders gold coast
loan lenders gold coast

Crest Lending

How Much Can I Borrow?

The first step in your home loan journey is to find out how much you can borrow. This answer changes from person to person, and taking the time to understand your situation is one of the most critical first steps when finding a home loan for you. The amount you can borrow depends on several important factors that assess your financial stability, including your income, expenses, credit score, and the type of property you want to purchase. 

We work closely with our clients to calculate what they may be able to afford to borrow, suggest the most appropriate home loan options, and thoroughly discuss each option available. You can also use our borrowing power calculator to determine a rough estimate of your capacity to borrow.

home loan rates

Getting the Right Home Loan Rates For You

When choosing a home loan, the interest rates matter. Home loans are large long-term debts, so every tiny percentage can contribute to saving you money over time. With so many lenders offering different options, deals and features on the loans, it can be hard to decipher what suits your needs. Our team of finance brokers on the Gold Coast have a wealth of knowledge and can help you make sense of it all. 

To get a home loan interest rate that suits you, one of the most critical questions you need to ask yourself is what type of loan you want to take out. Fixed and variable rate home loans offer advantages and unique conditions that may influence your decision. 

If you’re unsure which home loan interest rate is right for you, consider the following factors when making your decision.

Fixed Rate Home Loans

A key advantage of a fixed rate home is that the loan locks in, or ‘fixes’, your interest rate for a certain period of time – generally between one to ten years. Knowing your loan repayments won’t change for such a long period of time offers certainty and peace of mind and makes budgeting easier. However, at the end of the fixed term, your loan will roll over to a variable rate unless you choose to refix and repeat the process again. With this in mind, it is important to assess the fixed rate home loans suited for your situation

What you should consider:

A fixed rate can protect you if interest rates rise, however it also means you won’t benefit if interest rates fall

Fixed rate home loans don’t include the flexible features that variable rate home loans include

If you decide to refinance your home loan or contribute early repayments before the end of the fixed term, you might incur extra costs

home loan interest rate
home loan rates

Variable Home Loan Rates

A variable home loan offers more flexibility over a fixed rate home loan. Additionally, features are built into the cost of the loan, allowing you to make changes and quickly react when your financial circumstances change. But, as the name suggests, a variable home loan varies as lenders increase or decrease the interest rates attached to the loan in response to decisions made by the Reserve Bank of Australia.

What you should consider:

Your minimum home loan repayments will increase if interest rates go up and decrease if interest rates fall

Consider whether you can afford a higher loan repayment if interest rates rise

Little or no additional repayment fees if you are in a position to pay off your home loan early

The flexibility to switch loans if you find a better deal

Want to get the right home loan interest rate for your specific situation? Give us a call today, and we can discuss the differences between fixed and variable rate home loans, and how they affect your personal financial situation. 

Wondering how much your loan repayments will be? Use our loan repayment calculator to see how much you can afford.

How are mortgage brokers paid? 

Crest Lending Mortgage Brokers receive a percentage from the lender after placing your loan and only receive commission once the loan has been settled and you have the keys in your hands. At Crest, we act with honesty and integrity. Our guiding principle is that we make your money work for you, not against you, and we do not encourage our clients to take on a bigger loan they may not be able to afford, even if we were to get a higher commission from it.

Crest Lending

What makes a good mortgage broker?

Mortgage Brokers work for you, and a good mortgage broker should be able to explain the complicated financial aspects of buying a home to anyone that doesn’t feel confident in navigating the process themselves. Our mortgage brokers assess your financial needs, compare home loan products from several banks and lenders, as well as manage the mortgage application process from start to finish. They act as an intermediary between you and the bank or lenders who finance your home loan. A good mortgage broker will offer you continued support, ensuring your loan always works for you.

Our specialist mortgage brokers will:

Take the time to understand your individual needs and goals

Suggest a range of products and loans based on your personal situation

Empower you, so you feel confident in making a decision

We are accredited under the National Consumer Protection Act

Disclose all fees and costs upfront

See you as a long time customer, not a one-off transaction

Choosing a home loan is an important decision and requires a lot of back and forth with your mortgage broker and different lenders. You should feel confident that your mortgage broker has your interests at heart and is comfortable enough to discuss your financial situation.

crest lending gold coast

Gold Coast Home Loans

Crest Lending is one of the most experienced mortgage brokers on the Gold Coast. For over 45 years, we have been guiding people on their financial journey, helping them realise their property goals. We love seeing our clients, who have come to us for their first home purchase, grow their investment portfolio and pay off their loans, and we’re proud to say we helped them achieve this along the way. 

Whatever your property and home loan knowledge level, we’re here to help simplify the process and make it easier for you. Contact us today, even for just a quick chat, and we can get started together.