First Home Buyers

Buying your first home can be stressful and confusing. Loans & Mortgage Systems helps put you at ease by explaining the steps to follow when setting up your first loan.

We provide information and guidance for first home buyers on:

  • the Australian Government’s First Home Owner’s Grant payment (go to for more information as to what amount you are eligible for)
  • how much you can realistically borrow
  • what level of budget you need to help you manage your payments
  • what type of loan best suits your needs.

Owner Occupiers

As an owner occupier you may at one stage wish to explore how to leverage off of the equity in your existing home, to upgrade to a larger, better or different type of property.

Loans & Mortgage Systems can help you forward plan. We can, for example, help you determine how much extra you can borrow based on what your property is worth. We can also explain what repayment options are available, and whether redraw or split account arrangements can help you achieve that next level.


Sound property investment can be a great way to boost your financial future. Loans & Mortgage Systems has years of experience with investment loans. Our professional managers help you secure the best option and most effective structure.


Is it time to expand or improve your home by renovating? Loans & Mortgage Systems helps you obtain the funds you need to make capital improvements to your home with the most flexible payment options that keep you in control for the whole project.


The only constant in life is change. Loans & Mortgage Systems helps you refinance to enable you to deal with life’s evolving priorities—whether you are getting married, want to raise a family, pursue further education, invest in your future, buy a new car, or take an extended holiday. We will also review your existing loan to ensure it is performing as well as it should be.

Consolidating Debts

Want to streamline your life and save time and money by consolidating your debts? Loans & Mortgage Systems can help you consolidate your debts with a loan that will get you ahead faster and make life simpler. (nb: if consolidating a car loan into a home loan, client may pay more interest on a 30 year home loan than a 7 year car loan if only minimum payments are made in that period of time)


Mortgage Minimisation

Want to repay your home loan principle down as fast as possible? Loans & Mortgage Systems will discuss whether mortgage minimisation is a viable option. Mortgage minimisation can take years off your loan and save you thousands of dollars.