Our Services

Expert mortgage brokers

Simple home loan solutions,

Home Loans

Depending on where you stand in the property buying journey, there are different considerations you need to make.

Car Loans

We spend so much in our driving, but do we do the required level of research when obtaining finance for our vehicles? Maybe, Not.

Personal Loan

You can use a little extra cash for things like planning a wedding, taking a well-deserved holiday?

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Home Loan

Getting a home loan is simple if you know what you are looking for. But it is hard to see through when you have the media filled with advertisement, promotion and incentives. Various home loan options from several lenders and their differences in credit assessment policy add to the complexity further.

Applying for a mortgage is more than just picking up a loan product or choosing any lender that you like. It’s about meeting your current  needs and immediate future needs. It is also about developing a habit to review the home loan on a regular basis, once you obtain one.

Yes, it is about strategy and believe us or not, it all starts from YOU.

Your specific circumstances should define the strategy and work out the loan product you need. Then only you can start comparing lenders for similar products. Incentives and promotions come to the last!

Depending on where you stand in the property buying journey, there are different considerations you need to make. Please choose the below option to customize the information that is relevant to your case or make a Free Appointment to discuss these options.

Types of Home Loan

Are you looking to buy your first home? We know how you are feeling now!

We know your exact pain points.

You are excited because you are making a big decision in your life.

You are emotional because you are driven by the pressure at the present or some hope in the future.

You are frustrated and confused because everyone gives you their own opinion.

You are confused not because there is a lack of information, but there is too much information available everywhere.

When you are excited, emotional and confused, chances of making a better money decision is very poor. You are investing thousands of dollars and to most of you, this is going to be the only property in your life. Your deposit is coming from the hard works you have done so far. You now want to commit probably rest of your life for the mortgage repayments and you are not making a rational decision? No way. You deserve better. This is where we specialize in. This is where ThinkWise comes in. In fact, we have helped over thousands of families just like in your situation not only to buy a property but also make this a home.

Contact us today to plan your journey, or go through below resources if you are just planning for now.

Have you bought your first property a few years ago? Looking to upgrade to a bigger space to accommodate increased family needs?

Yes, with the changes in family circumstances, you may be looking to upgrade to a bigger house. If you think that your earning is now stable, then upgrading to a bigger home can be an option. However, there are so many things to remember and the transaction is more complicated than buying your first home.

Of course, you need to know about the deposit you have and the equity you can draw from an existing property. You need to know your borrowing capacity to see this plan can be supported. And then comes the main execution of this plan. No matter how long ago you bought your first property, this transaction is a whole new thing and requires a new knowledge set. Having a people like us around you can help a lot.

If you are thinking to upgrade to a bigger house soon, please contact us now.

Have you sorted out your own place to live in and looking for somewhere to invest?

Or, are you happy renting at the moment but looking to invest in property to build your portfolio? Then, you need to learn more than just getting a home loan. Property investment is relatively less risky than other asset class, but don’t make a mistake thinking that it is a risk-free investment. People use different strategies in property investments and it all depends on their goals and individual circumstances.

  • Are you looking to invest in property with negative gearing benefits?
  • Are you looking for cash flow positive property investments?
  • Are you buying investment property through your Super?
  • Are you looking to invest in commercial properties (office space, shopfront, warehouse etc)?
  • Are you looking to invest in regional cities?

Now, do you see how many choices you have? The selection of loan structure, loan product, and the lender largely depends on which strategy you chose. This is why you need an experienced mortgage broker just like us.

Sounds something similar? Please contact us. We will guide you through your property investment journey.

Getting a home loan doesn’t mean that you should be stuck with one lender for all your loan term. Situations might change over time, so is your circumstances and requirements.

You need to develop the habit of reviewing your home loan regularly so that your home loan product suits your needs and objectives.

There might be some instances where you need to or want to change the lender, such as:

Your loan product becomes less competitive in the market and your current lender does not want to look at your review request
You simply don’t like the product and features (such as net banking, ATM network, etc) of your current lender

You want to take some cash out from against your current property for debt consolidation, further investments, etc and credit policy of your lender does not support

Refinancing needs to be done very carefully and may not be a good choice at all in some cases. If you are thinking of exploring your options for refinancing, please Contact Us now.

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Car Loan

Australia is probably the country with the highest number of a car per capita in the world. This shows how many cars we buy every year. Not only this, we tend to upgrade our cars every 4-5 years. We spend so much in our driving, but do we do the required level of research when obtaining finance for our vehicles? Maybe, Not.

Car loan is relatively smaller in size compared to home loan and this is where the miscalculation begins! You may not have adequate financial literacy to navigate through the car loan maize or may not do the required level of research due to the loan size being smaller. Contact Us today to discuss your options.

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Personal Loan

At ThinkWise, we understand there are special times in life when you could use a little extra cash for things like planning a wedding, taking a well-deserved holiday, completing some home renovations or giving the kids a high-quality education.

A personal loan is a short term loan of typically 5-7 years, often with interest rates higher than that of mortgages but lower than that of a credit card, offering a useful solution for those special projects. Also, because you are assessed based on your credit risk and experience, the turn around time for approval is usually much faster than that of a mortgage too. Contact Us today to discuss your options.

It’s all about you

Your ThinkWise mortgage broker will take the time to understand your lifestyle and your goals and find you a home loan from a panel of over 30 lenders.

Save time

It’s our job handle all the moving pieces and to listen to your needs and filter the product options, so you can choose from the lender who’ll best look after you.

Here when you need us

We’ll be in your corner long after your loan has settled. We’ll stay in touch and make sure the loan you have is suiting the life you live.

Get incredible interest rates

Our relationships with our panel of lenders allow us to negotiate your interest rate.

We guarantee you will be happyexcited about our interest rates...

Meet our lenders.