Use the equity you've already built to renovate, invest or wipe out other debts. I'll structure your loan around your next move, not just a rate.
See what your home loan could do for you
A few quick questions so I can prepare before we talk.
Only after a slightly lower rate? This probably isn't for you. Answer the questions below and I'll point you to a faster option.
5.0 stars from every Google review so far.
I wanted to give 5 stars because Cruz genuinely showed a lot of patience and availability. My situation was a bit complex but he got it done and I'm super grateful.
Cruz has been great to deal with. He helped my secure my first home recently.
Cruz was super helpful. This was the first time I went with a broker, after typically going direct to banks. I wasn't expecting to be able to borrow a lot, but Cruz looked at heaps of options, and actually got more than I was hoping for, which meant buying a better investment. The process from start to finish was super smooth. He was always upfront and in communication, and honestly couldn't recommend his services enough.
Cruz was easy going, knowledgeable, and thorough. The service was excellent and I would certainly recommend his services to others.
Super happy with the service from start to finish! Cruz went above and beyond to understand my needs and find the perfect mortgage solution for me. He was incredibly knowledgeable, explained everything clearly, and made the entire process seamless and stress-free. The communication was excellent, keeping me informed every step of the way. I felt completely supported and confident in his expertise. I wouldn't hesitate to recommend them to anyone looking for a mortgage.
Possibly, but that's not really the point. The goal is a structure that does what you need: releasing equity, separating investment debt, or getting your monthly repayments back to a level that works. A better rate is a bonus when it comes with that.
No. The review is free and there's no obligation. If you go ahead, the lender pays me a commission when the loan settles. You don't pay me a fee. I'll explain exactly how that works on the call.
No. A review doesn't involve a credit check. A credit enquiry only happens if you decide to apply.
Spreading a car loan or credit card over a 25–30 year mortgage can lower what you pay each month, but you may pay more interest overall unless you pay it down faster. I'll show you both numbers so you can decide with your eyes open.
Not always. Sometimes the right move is restructuring with your current lender. I'll compare both.
There can be, like discharge fees, government registration fees and break costs if you're fixed. I factor all of it in, so you see the real numbers.
I'm Cruz, a Gold Coast mortgage broker with Catch Lending. Most people only think about their home loan in terms of the rate, but how it's set up decides what you can actually do with it.
You deal with me directly from the first call to settlement. No call centre, no being passed around.
Credit Representative No. 565550 of Catch Lending, Australian Credit Licence No. 517192
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