Apt Wealth Home Loans
Secure your future with Apt Wealth Home Loans
Buying a home is more than just a purchase; it’s about securing your future and creating a foundation for your dreams. Whether you’re buying your first home, looking to refinance, or investing in property, our dedicated team is here to guide you through every step of the mortgage process with clarity and confidence.
A tailored strategy to reach your property goals
Apt Wealth’s experienced loan advisers help you navigate the mortgage or refinancing process to secure the best loan option for your circumstances and goals.
We can help you with:
Mortgage broking
Home loan advice and financial planning
Mortgage application and refinancing support
Integrating your home loan into your broader financial plans
Book a chat with an adviser
Our focus is on delivering financial advice that allows us to become your personal CFO. Your finances will be tailored to your needs, allowing you to concentrate on living the life you want. We’re privately owned and focus on providing the most transparent advice possible.
Home Loan FAQs
What do I need to qualify for a home loan?
Lenders generally consider your credit rating, employment history, income, debt-to-income ratio, and the down payment available. Requirements vary by lender, so it’s a good idea to shop around or consult with a mortgage broker to understand specific eligibility criteria.
How does my credit rating affect my home loan options?
Your credit rating is a key factor in determining your eligibility for a home loan, the interest rate you will be offered, and sometimes, your down payment requirement. Generally, a higher credit score can help you secure a better interest rate and more favourable loan terms.
How should I actively manage my existing mortgage
Many Australians take a set-and-forget approach to their home loans without realising it can be a costly mistake. The reality is that, from your interest rate to the features on offer, the loan that suits you will change over time, and, if you’ve got the wrong one, it could be costing you thousands.
Is it a good time to refinance my home loan?
For most of us, a mortgage is the biggest debt we will ever have, and it’s important to revisit it regularly. Regardless of the interest rate environment, it’s a good idea to review your mortgage every few years to ensure you have the right product for your current circumstances. That could be about interest rate and costs and/or the features you need to support your life stage.
It is a competitive space for lenders, so despite the current economic climate, there may be a better deal to be had.
Is buying property with family and friends a smart investment option?
In today’s market, it can be difficult to get a foot on the property ladder. Buying with a family member or friend can seem like a perfect solution, and we have seen an increase in joint mortgages and even parents helping their children to buy over the last decade. But is it a good idea? The answer isn’t straightforward, and it really depends on your circumstances and goals.
Latest home loan resources
Ask an Adviser: What to consider when refinancing your home loan
Matthew Baker
Jul 04, 2023
With interest rates rising, many Australians are revisiting their mortgage options. Here, we talk to Apt Wealth Home Loans Broker Matthew Baker about what to consider when it comes to...
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Ask an Adviser: Can I get a mortgage in Australia as an expat?
Matthew Baker
Sep 06, 2022
Whether you are an Australian living abroad or an expat living in Australia, there are some added complexities when it comes to getting a mortgage. The landscape for expat mortgages...
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Ask an Adviser: Should I fix my home loan rate?
Matthew Baker
May 17, 2022
With the Reserve Bank of Australia increasing interest rates in May 2022 for the first time in a decade, many mortgage holders are considering whether to move to a fixed...
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