Mortgage Broker Branxton | Home Loans Branxton

Start your home loan journey today

Branxton Mortgage brokers

Known for its exceptional lifestyle benefits, Branxton enjoys the community vibe that comes with village life, has the Hunter Expressway on its doorstep for commuters, and offers near-instant access to Wine Country. Living here, you'll fall in love with the incredible country charm, hospitality and of course the extensive history.

Branxton is located on the New England Highway between Cessnock, Maitland and Singleton and on the northern end of Wine Country Drive, making it an easy and scenic drive for all visitors.

Over the last year, the median property price in Branxton for a house was $715,000, so if you're looking at purchasing a property in this area, get in touch with Ben and his team to discuss your borrowing capacity.

Mortgage broker Branxton

As the leading mortgage brokerage in Branxton and across the Hunter region, our team brings significant experience to every step of your home loan journey.

We are passionate about helping the local community secure their dream home with the right finance solution for their needs, so if you're ready to submit an offer on a property, then get in touch with us.

What home loan is right for you? Fixed or Variable?

When you're looking for a home loan, the interest rate can matter a lot, so it's important to understand your options before you commit. Typically you can choose a fixed or variable loan however there are pros and cons to both, so why we'd encourage you to take a moment to watch our short video below to learn more.

Pros and cons of a fixed rate

A fixed rate loan is a loan that has a fixed interest rate and therefore fixed loan repayments. The time period of these loans can vary, but you can usually "lock in" your repayments for between 1-5 years. Some of the pros to a fixed rate include: your repayments won't rise if the official interest rate rise, it can provide peace of mind for borrowers concerned about rate rises, and it can help with more precise budgeting.

On the other hand, some of the cons include: your repayments won't fall if rates fall, it only allows for limited additional payments and you can be penalised if you pay the loan out early.

Pros and cons of a variable rate

A variable interest rate is one that can change over time. So if you choose a variable rate home loan, the interest you are charged can increase and/or decrease throughout the term of the loan. Some of the pros include: more flexibility and features, you may be able to make additional repayments on top of your minimum repayments, and if interest rates fall, the amount of interest you are charged may decrease.

On the other hand, some of the cons are: not knowing exactly how much your repayments are going to be, making it more difficult to budget and if interest rates rise, the amount of interest you are charged may increase.

To discuss the right option for your situation, get in touch with our team.