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Originating from an extensive asset finance background with a growing customer base built over 30 years. Key Mortgage Brokers (KMB) have built an experienced mortgage broker team that aims to assist our customers and beyond with the same personalised service to each and every client with mortgage loans. At KMB, our goal is to make the home buying process as simple and stress-free as possible. We understand that securing a mortgage can be overwhelming, which is why our team is here to guide you through every step of the process. SUPPORTING FIRST HOME BUYERS Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant. INVESTMENT LOANS Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns. COMMERCIAL LOANS Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today. STANDARD VARIABLE & FIXED RATE LOANS The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates. HONEYMOON LOANS A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan. BRIDGING LOANS A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options. SMSF Self-Managed Super Funds (SMSFs) can be a great option for those who want more control over their superannuation investments and a more hands-on approach to managing their retirement savings. However, it's important to note that SMSFs come with a range of legal and compliance requirements, so it's important to seek professional advice before setting one up. Talk to our experts to discuss your eligibility and investment options if you have considered this is a fit for you.\Se mere