Home Loans

Let Seabreeze Wealth help you into your First Home, Next Home or Dream Home sooner with a Home Loan. We'll share Home Loan options that best work for you

5.0

from 148 Reviews

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

Let's embark on the journey of buying a home together. Making such a significant decision can be daunting, but having guidance can ensure you make the right choice. Purchasing a home is a major milestone, and we're here to provide you with the necessary information and options to secure the finance solution that aligns with your goals.

With a multitude of home loans available and new ones constantly emerging, navigating through them can be overwhelming. As brokers, our role is not only to assist you in finding a loan tailored to your specific requirements but also to handle the paperwork and submit the application on your behalf.

That's why over 70% of Australian borrowers now opt to work with a broker when seeking a home loan.

Our Recent Reviews

This team is absolutely amazing. They make wading through the abundance of home loans out on the market easy. From the initial enquiry through to the variety of home loan offerings that were tailored to our needs and current position was amazing. Doing the application process when we selected the right package was very easy and smooth. The team regularly kept us up to date of what was happening and approximate timelines. A huge thank you to Sacha, Sarah and Jess!! They certainly put the customer first.

Troy Bell

Astoundingly excellent. Sacha and the team at Seabreeze provided the exact mix of authenticity, transparency, professionalism, and down to earth attitude that my wife and I needed. The complex was made clear, the daunting became achievable …

David Haskins

Sacha & Sarah were amazing from start to finish helping us achieve our mortgage goals. Couldn’t recommend Seabreeze Wealth more

Sascha Rackemann

Unbelievably organised and super helpful. Makes lending money so much easier.

Bradley Sobott

Sacha, Sarah and their team were amazing. I couldn't be happier with their help in securing me a loan for my first home. My bank of over 40 years wouldn't lend me sufficient funds for the property that I wanted. Sacha's team made it ...

randall howlett

Matthew Dwyer

Frequently Asked Questions

Why use a Mortgage Broker?

When weighing the choice between using a mortgage broker or relying solely on a bank, it's crucial to recognize that your bank may not inform you about potentially more affordable options available from other lenders. In contrast, a mortgage broker provides a thorough comparison of various options. Furthermore, our services incur no cost to you, and satisfaction surveys consistently reveal that mortgage brokers surpass bank managers in customer satisfaction. We handle the complexities of loan applications and negotiate with banks on your behalf.

What government grants or incentives are accessible to first-time homebuyers or property investors?

There are several government grants and incentives available for first-time homebuyers. For instance, the First Home Owner Grant (FHOG) provides financial aid for purchasing or constructing a new home. Moreover, the First Home Loan Deposit Scheme (FHLDS) and Home Builder Scheme offer additional assistance. Property investors may also benefit from tax advantages and depreciation allowances. At Seabreeze Wealth we can provide detailed information on these programs and their potential advantages for you.

What is the criteria to qualify for the First Home Owner's Grant or stamp duty concession?

Each state sets specific eligibility requirements for the First Home Owner's Grant or Stamp Duty Concession. These usually involve confirming your citizenship or permanent residency status, ensuring that the property's purchase price meets certain criteria, and verifying that it is your first home. You can easily access links to the requirements of each state here.

Do you provide continuous support and reviews post-mortgage settlement to ensure my loan stays competitive and aligns with my changing circumstances?

Many believe our role ends once the loan is approved. While that's a crucial part, our dedication truly shines in our post-settlement service. We actively review every loan every six to twelve months, and we know which banks are open to renegotiating your loans. We're committed to keeping more money in your pocket rather than the banks'.

Are you able to assist with refinancing an existing mortgage to potentially obtain improved rates or terms?

Certainly. Refinancing an existing mortgage can be a wise financial decision to access better interest rates, tap into equity, or adjust loan terms. As a mortgage broker, I can evaluate your current mortgage and financial circumstances, explore various options available, and assist you through the refinancing process to potentially save money or accomplish other financial objectives.