Welcome to Results Home Loans

When it comes to obtaining finance, we strive to make a difference and be a trusted advisor

Interest Rates that start from…

5.79% p/a Intial Rate

6.45% p/a Comparison Rate

Based on our lender panel, Heritage Bank’s 3 Year Fixed Rate, provides the most competitive Interest Rate. Interest rates are correct as at 19/04/2024 and subject to change at anytime. The comparison rate is based on a loan amount of $500,000, over a 30 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Terms, conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or products.

Our purpose is pretty straight forward

We love helping people get it right the first time, and being the calm, reassuring voice during what can be a very stressful process of buying property or reviewing your existing finances.

Our vision is simple, to help people realise their potential. To us it’s very personal as our clients are like our second family. We are constantly training and developing our processes to ensure we can deliver on our promise to provide high quality advice and tailored services to each of our clients.

Our core values are respect, communication and honesty which we bring to every call, email or meeting.

Whether you are a first home buyer, investor, self-employed or wanting to buy property through your super, when you choose Results Home Loans you can rest easy knowing that we will go that extra mile to get the results you have worked so hard to achieve.

Don't take it from us,

listen to our clients

“Extremely professional and an absolute pleasure to deal with! Couldn’t be happier with how my needs have been met and the level of service has been second to none! Very comforting to know I can pick up the phone and speak to a professional that understands and cares about my needs! Keep up the great work guys and thank you for all the help you have given me!”
Lois Walters
“Seamless results and a good understanding of my needs, couldn’t have hoped for a better result.”
Kevin Murphy
“Amazing personalised tailored service. Results were able to work with us and our small business to find a loan that suited. Nadia was helpful, knowledgeable and responsive. Would highly recommend.”
Eleanor Moody
“We've been dealing with Nadia and the team for a number of years and are always impressed with the willingness to help and make the impossible possible! Will continue to use and recommend for years to come!”
Ben Nobelius
“Nadia and team were excellent in finding us a fit for purpose lender with low rates and low switching costs. We were provided with expansive data from a number of providers from which we selected our preferred lender. Nadia assisted us with the application process right through to approval. We received great customer service throughout the entire process with Nadia readily available via phone or email. We would happily recommend Nadia and the team from Results Home Loans.”
Ian & Fran McDougall
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Our commitment to you and what you can expect from us

High quality advice

We are constantly training and developing our processes to ensure you receive the most up to date and relevant advice.

Personal approach

We work for you, not the banks or shareholders so will always have your best interests in mind.

Tailored recommendations

We scour the market to find the right deal for you and will only recommend products that best suit your personal goals and objectives.

Thorough research

We compare hundreds of products from our panel of lenders and negotiate discounts on your behalf.

Communication

We will stay in touch with you throughout the process, even if there is no update!

Step-by-step guide throughout your journey

We will keep it simple and provide advice and support every step of the way.

Access to our secure online portal

No need to print and waste paper! You can enter your information and upload documents via your personal profile on our secure online portal.

Honesty

We will own it and apologise if we ever let you down and do our best to make it right as fast as possible.

Save you time

We complete all of the research, application and follow ups for you, and will also be in regular contact with your agent and conveyancer throughout the process, saving you the time and stress of doing this yourself.

Frequently Asked Questions

How do brokers get paid?
Brokers are paid by way of a commission from the lender once your loan settles. The amount of compensation will vary depending on the lender as well as the size of the loan however, this commission is not added to your loan or interest rate – you will receive the same rate and fee structure as if you went directly to the bank. Given the above, often a broker’s services are free of charge to you. Most are not aware however, that if your loan is refinanced or repaid in full within 12 – 24 months of settlement, a lender will clawback all, or a portion of the brokers commission so they are effectively underpaid or not paid at all for their services. That is why it is always important to discuss any changes to your loan with your broker so they can continue to provide their services at no cost to you.
Why should you use a broker and what do they do?
The biggest advantage of a broker over a bank is choice. When you talk to a broker, you are sitting in front of a huge range of lenders and products rather than visiting just one banker who only has access to their lender’s products. A mortgage broker works for you, not for the bank or its shareholders, so your interests will always be put first. This duty to act in your best interests is required by law so you can rest easy knowing that you are in good hands. Brokers also have experience and expert knowledge to best negotiate with lenders on your behalf to arrange a loan most suited to your goals and objectives. In addition to completing all of the research and negotiating with lenders on your behalf, brokers also manage the application process meaning all of the confusing paper work is completed for you and you don’t have to worry about following up the bank and waiting on hold for hours. One your loan is approved and settled; your relationship remains with your broker. They are always there to help you and will continue to review your loan to ensure it is still working for you.
How long does a pre-approval last for?
A pre-approval is where a lender has approved your loan subject to certain conditions which is generally a property being located and a valuation being completed. This conditional approval will be valid for 90 days however in a lot of circumstances this can be extended out for another 90 days upon provision of updated financial information (such as payslips). It is important to note that formal approval needs to be obtained within this 90 – 180 day period so a week or two needs to be allowed for the lender to complete their valuation of the property and re-assess your loan for formal approval prior to the expiry date.
How long does it take to obtain approval?
Lender turnaround times can vary depending on the volume of applications they receive at any given time. Approval timeframes can generally range anywhere between 1 – 15 business days so it is important to confirm finance due dates and settlement timeframes to ensure your loan is with a lender that can meet these deadlines.
How much savings do I need?
Best case scenario, if you have a deposit saved of 20% or more of the property value, plus some additional funds to cover stamp duty and legal fees then you can avoid having to pay for Lenders Mortgage Insurance (which is insurance to cover the bank, not you). If this is not the case (which is more common than not), that’s ok! There are a lot of options available to you. Generally, lenders like to see genuine savings (i.e. money in the bank for at least 3 months) of at least 5% of the property value or equity held in another property. There are some exceptions to this (such as having a family guarantor or a rental history that shows your capacity to repay a loan) however, if you find yourself with less than 5% savings then it’s best to have a chat with one of our experienced mortgage brokers to see what options are available to you.
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The Process

1. Discovery

Jump online and answer questions about what you're trying to do, your income, assets and other financial information.

2. The meeting

We'll talk about goals, present some options and an early recommendation.

3. In depth research

We’ll scour the market and ensure our recommendation is the most competitive solution for you, and the best fit for your needs.

4. Recommendation presentation

You'll be presented with a personalised recommendation plan.

5. Lodge your application and prepare for signing

Will work with the lender you choose to package, sign and lodge your documents - and do all the legwork to get you approved.

6. Approval moment

We will let you know that everything has gone smoothly with your loan application.

7. Settlement day

This is the moment when the lender releases the money to you. We will be there for you during the settlement process to let you know everything has gone through.

8. Together for the long haul

We'll be in regular contact to check in and make sure your loan works hard for you and you're changing goals and situation.

Calculators

How Much Can I Borrow?

Finding out how much you can borrow is a great indicator on how much you will be able to spend on buying your property.

START CALCULATING

Paying Off Your Loan Faster

Save thousands of dollars in interest and slash the term of the loan by years by simply changing your repayment frequency.

START CALCULATING

Manage your loan

Use your savings to offset your loan to reduce the amount of interest and the term of the loan.

START CALCULATING

What type of loan are you looking for?

Buy first or next home
Buy Investment Property
Refinance & save money

Maximum Borrowings Checklist

  • Payslips or financial statements/tax returns if you are self-employed
  • Details of other investment income (such as rental income, dividends, etc.)
  • Details of your living expenses (completed via online fact find)
  • Copy of your current savings statement or transaction history
  • Recent statement for current debts (e.g. home/investment loans, personal/car loans, credit cards, HELP debts, After Pay/Zippay/Klarna, ATO debt)

Results Home Loan Blogs

Looks interesting? For those who to prefer to watch, check out our Vlogs on our Facebook page!

Getting your kids into property

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Property Investing for beginners

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Benefits of re-financing

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