Choosing a home loan can feel overwhelming when you’re trying to make a big life decision. At STE Lending, I help you understand your options, compare lenders, and choose a loan that suits your plans.
A bank can only offer you their products.
A broker looks at the whole market.
That’s why more than 75 percent of Australians now use a mortgage broker for their home loan.
I work for you, not the bank. My job is to understand your goals, explain your choices in plain English, and make the process simple from the first chat through to settlement.
You don’t need to figure it out alone.
You just need someone in your corner.
• More choice
Instead of one bank, you get access to lenders across Australia. This means more flexibility, different policies, and a better chance of finding the right fit.
• Your goals first
I look at what you want to achieve. Lower repayments. Faster approval. More flexibility. A structure that suits your life. Then I match you with the loan that makes sense.
• Simple process
I guide you through every step. From checking your borrowing power to gathering documents to lodging the application, you get clear support the whole way through.
• Support long after approval
My job doesn’t end once your loan settles. Every year I check your rate and make sure your loan still suits your needs. If you’re paying too much, I negotiate with your bank or find a better option.
• Your advocate
Banks don’t give discounts unless someone asks. I ask. If your lender won’t move and there’s a better deal elsewhere, I’ll show you the options and help you switch if it makes sense.
Whether you’re buying your first home, upgrading, downsizing, or refinancing, your loan needs to suit your life. I explain the differences between variable and fixed rates, offset accounts, redraw, split loans, and any features that might benefit you.
You get clear answers based on your situation, not a generic brochure.
Book a chat with me.
I’ll help you understand what you can borrow, what your repayments look like, and which lenders support your goals.
You get a simple process, ongoing support, and someone who looks after your loan for years, not just the day it settles.
A mortgage broker looks at your full financial picture, compares lenders across Australia, and finds the home loan that suits your goals. A bank can only offer you their products. A broker gives you real choice.
I guide you through the whole process. I check your borrowing power, explain your options in plain English, handle the paperwork, and deal with the bank on your behalf. You get support before your loan, during the application, and long after settlement.
Each year I review your rate and make sure your loan still fits your needs. If there’s a better deal with your bank or another lender, I advocate for you and help you make the switch if it makes sense.
You get someone in your corner for the life of your loan, not just the day you sign the paperwork.
A bank can only offer its own products. A broker looks at many lenders and recommends the one that suits your goals and financial position. I work for you, not the bank, and I keep supporting you after settlement by checking your rate and negotiating on your behalf.
A fixed rate gives you the same repayment for a set period. A variable rate can move up or down. Each comes with benefits and limitations. I show you how both options fit your budget and your long term plans so you can pick what feels right.
Common costs include stamp duty, conveyancing, inspections, lender fees, insurance, and moving costs. I help you map out everything so you know your full out of pocket expenses before you buy.
You’re not on your own. I check in each year to make sure your loan still meets your needs and that your rate is competitive. If there’s a better option with your bank or another lender, I guide you through the next steps.
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STE Lending Pty Ltd Credit Representative Number 562710 of QED Credit Services Pty Ltd Australian Credit Licence Number 387856
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