Home Loans | Essendon, Moonee Ponds & Coburg

Home loans in Essendon

Many people start out by trying to DIY their home loan and soon find themselves overwhelmed. With so many options, it's difficult to know what will suit you best. That's why it's valuable to have a home loan expert in your corner!

We find out what you want from your loan, because we're not just looking for any loan, we want the one that's going to support you and help you achieve your next goal.
Our team match you with a competitive option from over 35+ lenders we have on our panel, including the big four banks and some other niche lenders. Having so many options to choose from allows us to tailor our recommendations to your goals and finances.
We talk you through your options, so you feel comfortable with the decision you're making about your property finance. Then Mortgage Broker team in Essendon & Brunswick get to work putting together your application, submitting it to your chosen lender and keeping you updated.

Our Home Loan Calculators

Our free home loan service

As Mortgage Brokers in Australia, our home loan service is free. The lender you choose will instead pay a commission when your loan settles with them. We believe that everyone should have access to quality home loan advice they can trust.

What our home loan clients say

"Theo and the team at Mortgage Choice were absolutely amazing. Our situation was a bit complex, yet Theo was able to give us a couple of options to suit our need at the time. Theo was thorough and was very responsive, making the process smooth, in achieving the result we wanted."

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Local Essendon home loan experts

Our team at Mortgage Choice in Essendon are the home loan experts, so you can let us do the work for you. We start with what you want to achieve and go from there - matching you to a finance option that's right for you.

Find out more about us

Home loan FAQs

How much can I borrow?

Lenders use a range of different factors to determine how much they are willing to lend you, including your income, living expenses, debts and assets. They need to make sure that you can comfortably afford both your current lifestyle and your new home loan repayments. Some lenders also need to build in the APRA 3% buffer rate to make sure that even if rates went up, you could still afford your repayments. Want to do a few quick sums on your borrowing capacity? Check out the calculator below! For exact numbers, get in touch with the Mortgage Choice Essendon team.

Use our Borrowing Capacity Calculator

What documents do I need when applying?

When we're ready to apply for your home loan, we will ask you to provide a few important types of documentation. These include:

Evidence of your financial situation: Recent payslips, income tax return statements from the ATO (if you are PAYG employed) or your latest BAS statements if you are self-employed.
Evidence of your living expenses: This includes statements of all your current bank accounts and existing loan accounts. This also includes credit card statements, so the lender can see what you're spending.
Proof of your identity: This includes your drivers licence, passport and Medicare card.

We know it sounds like a lot to remember, but don't stress, our Essendon team are here to talk you through it all. We'll let you know what we need and then take care of the rest.

Why do people use a mortgage broker?

The fact is, more than 70% of home loans in Australia are now put together by a Mortgage Broker. Both banks and mortgage brokers offer a free service with a few key differences. The first is that mortgage brokers have access to a wide range of lenders, and thousands of home loan options, instead of just options from one bank. This is key when looking for a tailored home loan with great features. The second difference is that we're focused on you and not the bottom line. We do the research, paperwork and legwork, what's not to like? We'd love to help you too!

Let's make it happen

Our team at Mortgage Choice in Essendon love seeing our clients achieve their own property goals. Let's chat through the numbers and work on finding a home loan that suits your next big purchase.

Visit our office at 94 Fletcher Street, Essendon. We can also chat by phone, video or in-person across Essendon, Moonee Ponds, Brunswick, Coburg and across Melbourne.

Call: 0438 381 312 Book an appointment

Mortgage Broker Essendon, Moonee Ponds & Coburg

Our home loans team in Essendon can help with:

Get the right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~