[url=http://www.homefreemortgages.com.au/][size=200]Finance, mortgage and loan brokers servicing the Eastern and South-Eastern suburbs.[/size][/url]


Homefree has access to hundreds of products via our panel of more than 30 residential and 14 commercial lenders. 
We can assist you in finding the most suitable product for your individual needs.

Read more about our services below.
[url=http://www.homefreemortgages.com.au/services/loans][size=150]Residential Loans[/size][/url]


Homefree Mortgages has experience working with all loan types and lifestyle scenarios.

Our panel of more than 30 lenders allows us to help you find the best fit for your needs, whether you're a first home buyer or purchasing a new investment property for your self-managed super fund (SMSF). 

[url=http://www.homefreemortgages.com.au/services/loans/first-home-buyers][size=125]First home buyers[/size][/url]


[b]Homefree Mortgages can help make owning your first home a reality.[/b]

First home buyers can face some intimidating questions when considering entering the property market:

[i]How much can[/i][i]I afford to spend on my first home?[/i]

[i]What type of prop[/i][i]erty should I buy?[/i]

[i]How can I manage[/i][i]the mortgage repayments?[/i]

[i]How can I fit all[/i][i]of this into my busy schedule?[/i]

Homefree Mortgages takes the stress out of purchasing your first home by providing a trusted and reliable representative to answer your questions and:
[list][*]advise you on government grants (FHOG) and if you are eligible to apply. If applicable, we organise it all for you. (See below for some guidelines on the First Home Owners Grant),[/*][*]help you decide on a suitable loan product, from one of our 30 residential lenders,[/*][*]explain in detail what is required of you and what costs will be involved in the process. This includes stamp duty, conveyancing and fees,[/*][*]submit and monitor your application.[/*][/list]

Homefree's finance brokers specialise in making you feel comfortable and informed and do all the heavy lifting so you can concentrate on the excitement of owning your first home.

If you answer [b]YES[/b] to all of the questions below, you may be eligible to claim the First Home Owners Grant.

[i]Are you an Australian citizen or permanent resident?[/i]

[i]Are you buying or building your first home, in Australia?[/i]

[i]Do you intend to occupy the home as your principal place of residence within 12 months of the settlement?[/i]

[i]Is this the first time you have applied for the FHOG?[/i]
[list][*][i]The FHOG is not payable for existing homes, although you may be eligible for a stamp duty reduction.[/i][/*][*][i]The FHOG is subject to change, so please ask your experienced Homefree Mortgages broker for the latest updates when you visit for your free, no obligation consultation.[/i][/*][/list][url=http://www.homefreemortgages.com.au/services/loans/investors][size=125]Investment Properties[/size][/url]


Whether you are considering your first investment property or have a growing portfolio, building your wealth through property is a solid long-term investment strategy.

Homefree Mortgages will assist you to understand your current objectives and future goals. The experiencing team will work with you to select a tailored loan product to fulfil your requirements.

Homefree Mortgages can also produce personalised property profiles with valuable statistics, to ensure you have the correct knowledge and data when purchasing your investment property. This is a valuable service, with results you can consider during your decision making process.

We appreciate how important your time is, which is why we provide a selection of products, from a variety of lenders. We also complete all the necessary documentation on your behalf and are with you every step of the process. This ensures that arranging your finance is simple and straight-forward.


When refinancing your loan, there can be additional costs and potential time delays that you may not be aware of. 

Homefree Mortgages' brokers have access to an extensive panel of lenders, which makes them confident in assisting you to find the most suitable product.

The professional team at Homefree Mortgages can expertly guide you, whether you are refinancing your home or investment property loan to purchase a new vehicle, complete renovations or go on that well deserved overseas holiday.
[url=http://www.homefreemortgages.com.au/services/loans/purchasing-your-next-home][size=125]Purchasing your next home[/size][/url]


Purchasing your next home is exciting and sometimes overwhelming. Homefree are here to guide you through the entire process and ensure that you are left smiling.

If you would like more information about purchasing your next home, please call Homefree to speak with one of our professional team members.
[url=http://www.homefreemortgages.com.au/services/vehicle---equipment-finance][size=150]Vehicle & Equipment Finance[/size][/url]


Homefree Mortgages can help find a car finance loan to suit your circumstances, whether you require a vehicle for work or leisure.

[i]What types of vehicles can we finance?[/i]
[list][*]New cars[/*][*]Used cars[/*][*]Trucks[/*][*]Commercial vehicles[/*][/list]

Our team can also help you secure equipment finance for your business needs.

[i][b]What equipment can we finance?[/b][/i]
[list][*]Earth moving/construction[/*][*]Farm machinery[/*][*]Water tanks[/*][*]Boats and yachts[/*][*]IT and computer equipment[/*][*]Heavy equipment[/*][*]Office and retail equipment[/*][*]Medical equipment[/*][*]Forklifts[/*][*]Industrial equipment[/*][/list]

[b]We can help start-up business’s (1 Day ABN) to obtain finance for leasing cars, trucks & machinery!

[url=http://www.homefreemortgages.com.au/services/commercial-lending][size=150]Commercial Lending[/size][/url]


Homefree Mortgages offer commercial property loan finance, tailored to your needs, from a variety of top Australian commercial lenders.

Our very experienced brokers can provide commercial loan finance options from simple to more complex transaction scenarios.

With years of experience and specialist knowledge, our team will help you structure your finance correctly, advise you and organise your application, so you have the best opportunity to obtain a competitive loan.

Homefree Mortgages offer:
[list][*]Business finance[/*][*]Rural property loans[/*][*]Commercial self-managed super fund loans[/*][*]Commercial property loans[/*][*]Property development[/*][*]Overdraft and cash flow lending[/*][*]Purchase and acquisitions[/*][/list]

Homefree Mortgages can assist you in achieving your goals, whether you're looking for a business loan or finance for a commercial property.

We offer a no-obligation consultation to review your current lending situation and advise you of options that could save you thousands of dollars over the life of your loan. Please contact Homefree to arrange your mortgage review.
[url=http://www.homefreemortgages.com.au/services/purchasing-through-smsf][size=150]Purchasing property through a Self-Managed Superannuation Fund (SMSF)[/size][/url]


Purchasing property through a Self-Managed Superannuation Fund (SMSF)

Homefree Mortgages specialise in securing finance for their clients who wish to purchase residential or commercial properties through their Self-Managed Superannuation Fund (SMSF).

Buying investment properties through a Self-Managed Superannuation Fund (SMSF) has become increasingly popular in Australia.

Whether purchasing a residential property or a commercial property, borrowing for property within super is different to borrowing to invest outside of super. There are different laws in place that regulate how you can use the borrowed funds, and the property itself. 
Our experienced brokers can assist in navigating this complex scenario.
[url=http://www.homefreemortgages.com.au/services/development-construction-finance][size=150]Development & Construction Finance[/size][/url]


When we say construction, we aren’t just talking about a single, owner-occupied property.

Here at Homefree Mortgages, we are also able to assist our clients in securing funds for multi-unit developments.

There is no shortage of construction loan choices in Australia, but choosing the right one for your needs can be stressful.

From the initial application to the progress payment stages, our experienced brokers can help you navigate the in’s and out’s through the entire process.

Our brokers are all experienced in their own personal construction projects, so you know you are in safe hands with us here at Homefree Mortgages.

We offer a no-obligation consultation to advise you of options, so what have you got to lose? Please contact Homefree to arrange your mortgage review.
[size=175]What is a Mortgage Broker?[/size]

A Mortgage Broker is a go-between person, between the borrower and the lender, who negotiates the loan on your behalf.

We are the ones responsible for finding you or your company the best and most competitive product to suit your needs.

At Homefree Mortgages, we will approach your lender of choice and, when possible, we will negotiate special pricing below the advertised rate. 

[size=175]What are the benefits of using a Mortgage Broker?[/size]

There are a number of benefits to using a broker, particularly through the application process.

Firstly, we do the legwork and research for you. We are already up to date with all of the new products and rates that you may not be aware of.

At Homefree Mortgages, we make it our business to take care of everything for our clients. Even once your loan has settled, we encourage you to contact us for anything you may need.

Essentially, we are a one stop shop. You will never have to sit on hold to your bank if you are wanting to ask a question or change an account. We do that for you. We also liaise with your conveyancer or solicitor and real estate agent if required.
[size=175]What does a Mortgage Broker do?[/size]

A Mortgage Broker takes the stress out of buying a home or investment property for you. We shop around for the most competitive rate and product that is going to suit your specific needs.

We will explain everything clearly, so that you can understand exactly what is happening.

We take care of the initial application from the start, all the way through to settlement, and beyond.
[size=175]How is a Mortgage Broker paid?

A Mortgage Broker is paid by receiving a commission or fee from lenders. This commission will vary depending on the lender as well as the size of the loan.

Firstly, an upfront commission is paid. This is the largest proportion of our payment and is normally around 0.55% to 0.77% (inc. GST) of the loan value.

The second part of our payment is through a recurring commission, also known as a "trailing commission". This is paid on a monthly basis and is calculated based on the remaining loan amount each year. While some lenders offer no ongoing commission, others offer an ongoing commission of 0.165% to 0.33% based on the remaining value of the loan.

How much will using a Mortgage Broker cost me?[/size]

Absolutely nothing! Our service to you is free of charge as we make our money through commission from our lenders.

The commission can vary slightly with different lenders, though it is still fairly standard across the industry regardless of which lender we arrange your financing through. This way you can be sure that there are no conflicts of interest and that we are always looking for the mortgage that will best suit you and your circumstances.
[url=http://www.homefreemortgages.com.au/about-us][size=175]About Us[/size][/url]


At Homefree Mortgages we are not interested in buzzwords or advertising jargon; we are simply committed to providing our clients with honest, straight-forward and individualised advice.

Homefree Mortgages was established in 2011 by Director Nathan Xenophontos. The office is located in leafy Ferntree Gully and the team includes six dedicated members, with more than 50 years combined industry experience.

Types of loans we offer:
[list][*]Home loans[/*][*]Business finance[/*][*]Car loans[/*][*]Refinancing[/*][*]Investment loans[/*][*]Commercial property loans[/*][*]First home buyer home loans[/*][*]Chattel mortgage/hire purchase[/*][*]Self employed loans[/*][*]Self-managed super fund loans[/*][*]Vehicle and equipment finance[/*][*]Rural property loans[/*][/list]

No matter who you are, we can help:
[list][*]First home buyers[/*][*]Home owners[/*][*]Property investors/developers[/*][*]Self managed super fund borrowers[/*][*]Business owners[/*][*]Self employed borrowers[/*][/list][size=175]We Do the Work for You[/size]

Homefree has access to hundreds of products via our panel of more than 30 residential and 14 commercial lenders. We can find the most suitable solution for your personal and business needs.
[size=175]Our Values[/size]

At Homefree Mortgages we work for you, not the bank, so your goals and requirements always come first. We focus on helping you develop strategies to achieve your goals.
[url=http://www.homefreemortgages.com.au/contact-us][size=175]Contact Us[/size][/url]

[b]Phone: [/b][url=tel:+61397535208]03 9753 5208[/url]
[b]Fax: [/b](03) 9753 5213
[b]Email [/b][url=mailto:admin@homefreemortgages.com.au]admin@homefreemortgages.com.au[/url]
Office Address: [/b]
1st Floor, Shop 11, 
Mountain Gate Shopping Centre,
1880 Ferntree Gully Road,
Ferntree Gully VIC 3156
Postal Address: 
[/b]PO Box 1033,
Mountain Gate, VIC 3156
[url=http://www.homefreemortgages.com.au/contact-us/send-us-a-message][size=150]Send us a message[/size][/url]