Direct Mortgage Concepts is a leading mortgage broking company providing quality finance solutions to Australian borrowers.
We are 100% Australian owned and operated. We provide you with all the details about products and lenders to give you the knowledge of just who to choose when searching for mortgage finance. We ask the right questions to find out exactly what you require in a loan, and show you what products you need to reach your goals sooner.
We provide a FREE, convenient service direct to you in the comfort of your own home or office at a time that suits you.
We are experienced former bank managers and have access to many, many lenders Australia wide. Our experience will assist you when searching for the best product to use when looking for a mortgage.
Some of our services include:
HOME LOANS - Variable, Fixed, Split, Honeymoon, Basic and Equity Lines of Credit are but just some of the options, but which loan really suits you?
EQUITY FINANCE MORTGAGE - Purchase a bigger or better quality home and borrow less by having a silent partner purchase up to 20% of the property with you. Best of all there is no ongoing payment until the home is sold or the loan reaches full term. (See Downloads)
THE 100% HOME LOAN - Due to tightening of credit policies because of the global credit crisis, these products are currently NOT avaialble.
INVESTMENT LOANS - Are you getting the best out of your investment loan? Is the loan structured correctly? Ask an expert to be sure that you are.
REVERSE MORTGAGES - "The baby boomers loan", use the equity in your home to provide a better lifestyle in your retirement. Provide a lump sum or monthly income stream and still have something to leave the kids.
NEGATIVE GEARING - You may know of it, but do you really know how it works? We'll take the time to explain it to you in plain English, so that you will understand how some investors can buy a property from as little as $50 per week. It could be you!
REFINANCING - Generally to get a better deal, consolidate existing debts or to get a feature that your existing lender doesn't provide. We'll do all this with minimal fuss or concern.
MORTGAGE REDUCTION - Make your money work smarter. We'll show you how to make your money work smarter, so your not made to work harder for your mortgage.
WEALTH CREATION - Are you creating wealth for your future, or just gambling on your superannuation or the pension? We'll show you what the smart investors are doing!
POOR CREDIT HISTORY - If you have a poor credit history don't despair. We have products available for everyone.
LO DOC / NO DOC LOANS - Loans that allow both self employed and PAYG clients to borrow without the need to prove servicing to the lender. This could be for both owner occupiers or investors and up to 80% of the purchase price.
LEASING & HIRE PURCHASE - Fast, efficient leasing and commercial hire purchase services available at competitive rates with minimal hassle.
DEPOSIT BONDS - We offer deposit bonds allowing you to exchange contracts on your purchase without having to outlay a 10% deposit upfront.
INCOME & MORTGAGE PROTECTION - We offer access to various insurance solutions to ensure that you are sufficiently covered under all circumstances.
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