We know the mortgage process can feel overwhelming, but we’re here to make it easy. With our guidance every step of the way, we’ll help you find the best rates and take the stress out of buying your home.
At Your Future Set, we’re committed to turning your dream of homeownership into a reality.
At Your Future Set, we go beyond just finding a loan—we craft a plan that works for you. By leveraging government incentives, we help you unlock potential savings that can make a big difference in your home-buying journey. Whether it’s a first-home buyer’s grant or stamp duty concessions, we’ll ensure you’re taking full advantage of every opportunity.
But it doesn’t stop there. Our expert finance team collaborates to create a home loan strategy tailored to your unique needs. From navigating complex loan options to finding the perfect balance between fixed and variable rates, we’ll guide you step by step. It’s all about making sure you get the best deal possible, not just for now, but for your future.
We also work across a wide range of banks and lenders, ensuring we secure the most competitive rates available. By comparing options across the board, we can confidently find a loan that saves you money and aligns with your long-term financial goals.
Book a call:
Select a convenient time using our online calendar to schedule a 15-minute chat with one of our expert brokers. This initial conversation will help us understand your needs and how we can help you secure the best home loan.
Complete a Quick Survey (Optional)
To save time during the call, you can fill out a short survey beforehand. This allows your broker to jump straight into finding solutions that fit your goals.
Have a solutions-focused appointment:
After the initial chat, we’ll set up a second, more in-depth appointment to explore mortgage options tailored specifically to your needs. We’ll present solutions that match your financial goals, putting you on the path to homeownership.
Submit Your Paper Work:
Once you’re happy with the plan, we’ll request a few key documents. Your broker will take it from there, submitting everything to the banks and ensuring the loan process moves forward smoothly.
Yes, a mortgage broker often secures better rates than an individual can get on their own because they have access
to multiple lenders and can negotiate on your behalf.
Absolutely, mortgage brokers are skilled at negotiating with lenders to secure lower interest rates and better loan terms for their clients.
Yes, self-employed individuals can obtain home loans, though they may need to provide more comprehensive
documentation to demonstrate income stability and financial health.
The minimum deposit for a home loan typically ranges from 5% to 20% of the property’s purchase price,
depending on the lender’s requirements and the type of loan.
Yes, under the First Home Super Saver Scheme, individuals can use their superannuation contributions towards a deposit for their first home.
Yes, a broker can secure a better overall deal by assessing your entire financial situation, recommending suitable loan products, and negotiating advantageous terms that align with your long-term financial goals.
We can save you money by assessing your eligibility for a number of beneficial government incentives.
At Your Future Set, we team up with a crack finance team to create a tailored plan that fits your goals, ensuring you get the best mortgage deal suited just for you.
Navigate the best deals with ease. Your Future Set searches all banks and lenders to find a rate that’s just right for you.
The Dream: Craig, a Sydney resident, aimed to build his dream beachside home in Perth.
The Challenge: Earning $140k a year put him above the $125k income cap for a helpful first home buyer’s scheme, requiring an additional $15k deposit.
Innovative Solution: Your Future Set steps in! Collaborating with a financial planner, we craft a plan to adjust Craig’s salary, bringing him within the scheme’s income cap and saving him $15k in loan insurance.
Timely Success: Thanks to this strategic move, Craig bypasses a 6-month saving delay, securing one of the last coveted blocks in his desired estate.
Dodged Obstacles: If not for Your Future Set’s intervention, Craig would have faced rising property prices and multiple interest rate hikes, jeopardizing his dream.
Outcome: Craig now enjoys his dream home in Perth, all made possible by Your Future Set’s expert financial navigation and tailored strategies.
