Home Loans

Whether it's your First Home, Next Home or Dream Home, we're on your side

At Empire Finance Mortgage Brokers, we understand that buying a home is a significant step, whether you are in Shepparton, Victoria or anywhere across Australia. Our mission is to help you access Home Loan options from banks and lenders across Australia that suit your needs. We aim to make the process as smooth as possible, guiding you through everything from understanding your borrowing capacity to getting pre-approved. Our team is committed to providing personalised service, taking the time to understand your financial situation and ensuring you find the right fit in the property market.

When exploring Home Loan options, it is essential to consider a few key factors. One of the most important aspects is understanding the variety of Home Loan Rates available. You can choose between a fixed interest rate home loan and variable home loan rates. A fixed interest rate provides stability, letting you plan your budget without worry about fluctuating repayments. On the other hand, a variable interest rate may offer more flexibility and potential savings if the rates decrease. We will help you weigh these options, ensuring you make an informed decision that aligns with your goals.

Another vital consideration when applying for a home loan is your credit history. A good credit history can lead to better interest rate discounts and terms. However, do not worry if your credit history is not perfect. We work with you to present your financial situation in the best light possible, enhancing your Home Loan application. Our experience in dealing with various lenders ensures that we can find a suitable lender who understands your circumstances.

When applying for a home loan, understanding the loan to value ratio (LVR) is crucial. The LVR compares the loan amount to the property's value. A lower LVR might mean avoiding lenders mortgage insurance (LMI), making it easier to manage upfront costs such as stamp duty. We guide you through calculating home loan repayments and understanding how an offset account can reduce interest costs over time. Our streamlined application process ensures that gathering bank statements and other documents is straightforward, leaving you free to focus on the excitement of buying a home.

Empire Finance Mortgage Brokers also assists with Home Loan pre-approval, giving you a clearer picture of your borrowing capacity before you start house hunting. Getting pre-approved not only speeds up the process once you find your dream home but also strengthens your position when negotiating with sellers. Our goal is to equip you with all the information and support needed to make confident decisions in the property market.

We summarise our commitment to assisting you in accessing Home Loan options tailored to your needs. Whether it is securing a competitive interest rate or simplifying the Home Loan application process, we are here to help at every step. Contact Empire Finance Mortgage Brokers today to explore how we can support you on your journey to buying a home. Our expert team is ready to assist in making your dream of homeownership a reality.

Our Lending Process

Step 1: Have a Chat With Us

Everything starts with a conversation. Give Jay and the team a call, book a free appointment online, or pop into our Shepparton office. This first chat is all about getting to know you, what you're looking to achieve, and where you're at right now. There's no jargon, no pressure, and no silly questions. Whether you're a first home buyer who's just starting to explore your options or a seasoned investor looking at your next move, we'll take the time to listen and understand what matters to you.

Step 2: Understanding Your Full Picture

Every person's situation is different, and we treat it that way. We'll walk you through exactly what information is needed, things like your income, expenses, assets, and any existing debts, and help you pull it all together. If anything feels confusing along the way, we explain it in plain language so you always know where you stand. The goal here is to get a clear and accurate view of your borrowing position, so we can put the right options in front of you.

Step 3: Finding the Right Loan for You

This is where having a broker on your side really counts. With access to hundreds of products from a wide panel of trusted lenders, including the major banks, credit unions, and specialist lenders, we do the legwork so you don't have to. We compare loan features, rates, and structures to find what genuinely suits your circumstances and goals. We'll present you with a shortlist of strong options and walk you through the pros and cons of each, so you can make a confident and informed decision. No one-size-fits-all here.

Step 4: Submitting Your Application

Once you've chosen the right loan, we handle the heavy lifting. Our team prepares and lodges your application with the lender, making sure everything is accurate, complete, and presented in the strongest possible way. Throughout this stage, we keep you updated at every turn, so you're never left in the dark wondering what's happening behind the scenes. If the lender needs anything extra, we're onto it straight away.

Step 5: Approval and Settlement

When your loan is approved, we walk you through the offer documents and make sure you understand every detail before you sign. From there, we coordinate with your solicitor or conveyancer, the lender, and any other parties involved to keep settlement on track and on time. If anything crops up along the way, our team handles it quickly and keeps things moving smoothly right through to the finish line.

Step 6: After Settlement, the Relationship Really Begins

At Empire Finance, settlement isn't the end of the road. It's actually where the real relationship starts. Jay and the team stay in touch with you well after the dust settles, checking in regularly to make sure your loan is still working hard for you as your life and circumstances change. Whether it's reviewing your rate down the track, chatting about your next property move, helping with equipment finance for the business, or simply catching up, we're in your corner for the long haul. You're not just a file number here. You're part of the community we're proud to serve across Shepparton, Cobram, Echuca, Wangaratta, Seymour, and right throughout regional Victoria.