Business Details
Your Trusted Mortgage Broker in Wollongong
At Easy Plan Financial Services, we specialise in providing tailored mortgage and financial solutions to help clients achieve their investment and personal property goals. With over two decades of experience, our team of certified mortgage brokers works independently to connect clients with a wide range of lenders, ensuring access to competitive loan products and transparent advice. We prioritise understanding individual financial circumstances, offering personalised strategies for home loans, investment property financing, refinancing, and debt consolidation.Our process simplifies complex financial transactions, from initial consultation to settlement, while maintaining a focus on long-term client relationships and financial education. By leveraging direct partnerships with major banks and lending institutions, we deliver customised solutions that align with evolving market conditions and client needs. Our commitment to ongoing support ensures clients receive guidance throughout the lifecycle of their loans, fostering confidence and financial empowerment.
Services
Investment Loans
Home Loans
Refinancing
Bridging Loans
Personal Loans
Credit Cards
Property Equity Loans
Highlights and features
- We offer 23 years of experience in mortgage broking and financial services.
- Our brokers work independently with over 30 major lenders nationwide.
- We provide tailored loan strategies for first-time buyers and investors.
- Our team handles all paperwork and application processes seamlessly.
- We maintain direct partnerships with Commonwealth Bank, Westpac, and NAB.
Services
Investment Loans
We specialise in investment property loans tailored to individual financial goals. Our brokers assess risk factors, compare hundreds of loan products, and structure financing solutions that maximise returns. Clients benefit from expert guidance on equity utilisation, tax-efficient strategies, and portfolio diversification, ensuring long-term growth and stability in property investments.
Home Loans
Our home loan services cater to first-time buyers and experienced homeowners. We analyse market offerings to secure competitive rates, considering factors like deposit size, borrowing capacity, and ongoing fees. The team simplifies the application process, provides clear comparisons, and ensures clients understand total costs, including stamp duty and insurance requirements.
Refinancing
We help clients optimise existing mortgages through refinancing. Services include debt consolidation, accessing home equity, and switching to better interest rates. Our specialists evaluate break costs, compare new loan features, and implement strategies to reduce repayments or accelerate loan repayment while maintaining financial stability.
Bridging Loans
Our bridging loans address temporary funding gaps during property transactions. We coordinate complex settlements between property sales and purchases, ensuring seamless transitions. The service includes assessing eligibility, structuring loan terms, and managing documentation to facilitate timely approvals for both residential and investment properties.
Personal Loans
We provide personal loan solutions for major purchases or debt consolidation. Brokers assess creditworthiness, compare interest rates, and negotiate terms that align with clients' repayment capabilities. The service includes transparent disclosure of fees, flexible repayment options, and guidance on improving credit profiles for future financial opportunities.
Questions
How do EasyPlan's mortgage brokers get paid?
Our brokers receive commissions from lenders upon successful loan settlements. This doesn't affect your interest rate or fees, as we always negotiate the best available terms directly with lenders.
Can I get a home loan with a 5% deposit?
Yes, we partner with lenders offering low-deposit home loans. However, you'll need to budget for Lenders Mortgage Insurance (LMI) and demonstrate strong financial stability to qualify for these products.
What are the benefits of using a mortgage broker?
Brokers save time by comparing 100+ loan products, negotiate better rates, provide expert guidance on documentation, and streamline the approval process through established lender relationships and industry expertise.
How much equity can I access for investment purposes?
Typically, you can access up to 80% of your property's value minus existing debts. Our specialists calculate exact figures during consultations, considering your financial situation and lender requirements.
Do you charge fees for your services?
We don't charge clients directly for standard loan applications. Our revenue comes from lender commissions. Complex cases requiring additional legal or financial analysis may incur agreed-upon service fees.
What documents are needed for a loan application?
Standard requirements include photo ID, recent payslips, bank statements, tax returns, and property details. Our team provides tailored checklists and assists with preparing documentation for optimal approval chances.
