Calibre Loan Solutions
your boutique MORTGAGE BROKER
You’re not just another application to us. As a boutique mortgage broker, we offer a deeply personal and tailored service, guiding you through every step of the process with care and dedication. Whether you’re buying your first home, refinancing, or investing, we’ll find a mortgage that fits your unique life and financial goals. Our approach is simple: we listen, we care, and we deliver.
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BORROWING CAPACITY
100% Free, No Obligation
why CHOOSE US
Boutique Service, Big Savings – Here’s How We Help
Access to Exclusive Rates
As a boutique broker, we have access to a range of lenders and exclusive rates, helping you secure a deal that truly works for you.
Simplifying the Complex
We break down the jargon and handle the paperwork, so you can focus on what matters most - finding your perfect home.
Personalised Advice
We take the time to understand your unique financial situation and goals. No cookie-cutter solutions here - everything is tailored to fit you.
Dedicated Support
From the first chat to the final signature, we’re with you every step of the way, answering your questions and doing the hard work for you.
what our clients say
HOW IT WORKS
your JOURNEY WITH US
1.
Discovery Call
We start with a chat to understand your needs, dreams, and financial goals.
2.
Tailored loan solutions
We search and compare the best mortgage options that fit your unique situation, negotiating on your behalf.
3.
APPLICATION
We guide you through the application, managing all the details and keeping you informed every step of the way.
4.
SUCCESS
With your mortgage secured, we’ll be here to celebrate your home-buying milestone and provide ongoing support as needed.
READY TO GET STARTED?
Let’s make your home-buying journey smooth and stress-free. Schedule a free consultation today, and discover how our boutique, personal approach can help you find the perfect mortgage.
frequently asked QUESTIONS
How do mortgage brokers get paid
Mortgage brokers are typically paid a commission by the lender once your loan is settled. This service is usually at no additional cost to you as the borrower.
Why should I use a mortgage broker instead of going directly to a bank
Using a mortgage broker gives you access to a wider range of loan options from multiple lenders, along with expert guidance tailored to your specific financial situation and goals.
What makes you different from other mortgage brokers
We offer a personalised service that larger institutions can’t match. Our boutique approach means we take the time to understand your unique needs and provide tailored support every step of the way.
How do I know if I'm getting the best mortgage deal
We compare various loan products, interest rates, and terms from multiple lenders to ensure you get the best possible deal for your circumstances.
What types of home loans are available in Australia
Common home loan types in Australia include variable-rate loans, fixed-rate loans, split loans, interest-only loans, and offset accounts, each offering different benefits to suit various financial situations and preferences.
How can you simplify the mortgage process for me
Our team handles everything from the initial consultation to loan approval and management, ensuring a seamless and stress-free experience. We make complex processes simple, allowing you to focus on finding your dream property.
Can you help if I have a low credit score?
Yes! We specialise in finding solutions for all types of credit backgrounds and will work to find the best fit for you.
What’s the cost of your services?
Our consultation is free, and we’re upfront about all costs from the start – no hidden fees or surprises.
WE COMPARE hundreds OF LOANS FROM 40+ LENDERS
MEET YOUR LOCAL MORTGAGE BROKER
Director & Principal Broker
Laura Cartmill
Laura is here to truly understand your financial goals and guide you every step of the way. Whether you’re buying a home, refinancing, or consolidating debt, Laura is dedicated to being a supportive partner in your journey.
Known for her warm and approachable style, Laura brings professionalism and a personal touch to every interaction. She simplifies the often complex mortgage process, breaking it down into clear, manageable steps. With a commitment to honesty and excellence, Laura always strives to deliver the best results tailored to your unique needs.
Let Laura make your mortgage experience personal, seamless, and successful.
OUR MORTGAGE SERVICES
01
First Home Buyers
Get expert guidance and support from your mortgage broker throughout the entire process, from finding the right loan to securing your dream home.
Loan Eligibility Assessment
We assess your eligibility for loans and help you understand your borrowing capacity.
First Home Buyer Grants
Guidance on accessing and maximising government grants and incentives for first home buyers.
Property Selection Assistance
Assistance in selecting a property that fits your budget and meets your needs.
02
Home Loan Refinancing
Explore options to refinance your current mortgage to achieve better rates and terms, saving you money over the life of your loan.
Rate Comparison
We compare your current mortgage rate with potential refinancing options to find the best deal.
Cost-Benefit Analysis
A detailed analysis of the costs and potential savings of refinancing your home loan.
Application Assistance
Assistance with the refinancing application process, ensuring a smooth transition.
Financial Health Check
A review of your financial situation to ensure refinancing is the right choice for you.
03
Loan Pre-Approval
Obtain pre-approval for your home loan, giving you the confidence and negotiating power when house hunting.
Fast-Track Process
A streamlined process to expedite your pre-approval application.
Document Preparation
Assistance in gathering and preparing the necessary documents for pre-approval.
Negotiation Advantage
Gain a competitive edge in negotiations by showing sellers you’re a serious buyer.
Rate Lock
Secure an interest rate for a set period, protecting you from potential rate increases during your home search.
04
Low Deposit Loans
Access loans that require a smaller deposit, making it easier for you to enter the property market.
Deposit Options
Explore loan options with low deposit requirements, such as guarantor loans or government schemes.
LMI Guidance
Understand Lenders Mortgage Insurance (LMI) and how it can help you secure a loan with a lower deposit.
Budget Planning
Assistance in planning your finances to save for a deposit or meet lender requirements.
Loan Structuring
Guidance on structuring your loan to minimise upfront costs and maximise affordability.
Let's Chat
Ready to discuss your financing needs? We’re here to provide tailored lending solutions that fit you like a glove. Reach out today and let’s start building your financial future together.