Mortgage Broker Templestowe | Home Loans Templestowe

Our Templestowe team take the hard work out of your home loan

With beautiful spots like Westerfolds Park and the Yarra River trails, Templestowe is perfect for those who enjoy the outdoors and a peaceful, family-friendly atmosphere. The suburb offers a range of shopping and dining options, along with excellent schools and amenities, making it a popular choice for families and professionals seeking a balance of convenience and tranquility.

Thinking of calling Templestowe home? Our Mortgage Broker Templestowe team is here to help you every step of the way - get in touch with us today!

Our free mortgage broker service in Templestowe

Our Mortgage Broker Templestowe team start out with you - your goals, objectives and requirements. We then get to work finding you the right home loan, doing all paperwork and legwork and supporting you throughout the journey. Also, the lenders pay us, which means our home loan service is at no cost to you.

Our Home Loan service in Templestowe:

Expert advice tailored to your unique financial circumstances and property goals. We take what you want to achieve and put together a plan to get you there.
Research from over 35+ lenders, from the big four bank down to more specialist lenders. This means we have a wide range of interest rates, loan types and features on offer from a range of different lenders.
Dedicated support from our Mortgage Broker Templestowe team. This means that we work for you, not the banks, and focus our efforts on getting you the best outcome.
Administration on your home loan is done by our Mortgage Broker Templestowe team, so you don't have to spend hours filling out paperwork or talking to your bank.

Our Home Loan Calculators

Expert advice, independent of the banks

As Mortgage Choice Brokers, we're not owned by a bank. That means independent advice from a team that has your best interests at heart. Our focus is finding you a fair deal and making sure your home loan helps you achieve your goal.

Helping Templestowe buyers:

"Dealing with the team at Mortgage Choice has been an absolute pleasure from start to finish. They are professional, knowledgeable & demonstrate genuine care for their customers." [Carol, Templestowe]

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Home loan experts

Our experienced Mortgage Broker Templestowe team help find you a fair deal on your home loan and do all the legwork on your behalf. We're passionate about the local property market in Templestowe and our clients achieving their goals.

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The local property market in Templestowe

Only 16km from Melbourne CBD, Templestowe is known for its convenience and peaceful surrounds. The local property market in Templestowe has plenty of trendy apartments and easy-living units, historic properties and sprawling family homes.

The average house price in Templestowe is $1,773,000 up +5.5% in the last 12 months.
The average unit/apartment price in Templestowe is $820,000 after falling a significant -14.1% in the last 12 months. Units for sale spend just 33 days on the market, meaning that there are lots of buyers out there.
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Home loan FAQs

What is an offset account?

An offset account is an effective feature to have on your home loan, so it's worth exploring! An offset account works like a regular transaction account, which means you can use it for everyday expenses. The money kept in your offset account, will 'offset' the amount the amount owing on your home loan reducing the amount of interest you pay (which is calculated daily).

For example: Let's say you have $20,000 in your offset account attached to your home loan of $400,000. Instead of paying interest on the full $400,000, you would pay interest on $380,000, which is minus the amount in your offset. It doesn't reduce your repayment, but it ensures more of the repayment amount goes to paying off your actual home loan, instead of just covering interest. Chat to our Mortgage Broker Templestowe team about home loan products that have an offset account attached.

What interest rates are available?

After two years of cash rate (and interest rate) rises, the market is starting to settle a bit. Many experts believe we have passed the peak of our inflation, which could mean that interest rates start to come down. Some lenders are already making changes to their fixed and variable rates. Chat to our Mortgage Broker Templestowe team about what interest rates and home loan options would suit you best. To see a quick snapshot of current interest rates, check out our comparison tool.

Interest Rate Comparison Tool

What does LVR stand for?

LVR in property finance stands for 'Loan to Value Ratio'. It's an important part of working out how much you can borrow and what fees you will need to pay for your home loan. LVR is percentage of the property's value that you need to borrow.

For example: let's say you want to buy a property valued at $500,000 and you need to borrow $400,000. Your Loan to Value Ratio or LVR is 80%, because you need to borrow 80% of the property's value. If your LVR is 80% or more, your lender will want you to pay Lenders Mortgage Insurance, as they deem you as a riskier client. This insurance covers the lender and not you.

Contact our Mortgage Broker Templestowe team

Our Mortgage Broker Templestowe team are dedicated to providing support and advice on your next home loan or investment loan. As your local Mortgage Brokers, we service the areas of Eltham, Greensborough, Doncaster, Templestowe and Diamond Creek, but also support clients Australia-wide by phone and video.

Call the Mortgage Broker Templestowe team on 03 9432 5484 or request a call back below.

Call: 0428 152 227 Request a call back

Mortgage Broker Templestowe

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. ~