Business Details
11 Years
experience
Your Trusted Mortgage Broker in Sale, Gippsland
At Gippsland Mortgage Solutions, we empower individuals and families to achieve homeownership through personalized, transparent service. With over 20 years of combined experience, our team delivers tailored mortgage solutions, prioritizing client needs and local community support. We combine deep industry expertise with a commitment to integrity, offering guidance through every step of the mortgage process.Our approach emphasizes clear communication, financial education, and long-term relationships built on trust. As proud locals, we actively contribute to Gippsland's growth while helping clients navigate the complexities of home financing with confidence and care.
Services
Variable Rate Loan
Fixed Rate Loan
Construction Loan
Line Of Credit
Split Loan
Guarantor Loans
Bridging Finance
Details
- Year established: 2015
Highlights and features
- 20+ years of combined experience in mortgage broking
- Personalised solutions tailored to individual financial goals
- Deep local knowledge of Gippsland's property market
- Transparent communication at every stage of the process
- Client-focused approach with unwavering commitment to service
Associations and certifications
- Mortgage & Finance Association of Australia (MFAA)
- Australian Credit Licence 389328
What people say
Amazing
Helped through every step
Highly recommend
Personalised attention
Local expertise
Services
Variable Rate Loan
A flexible mortgage option with interest rates that fluctuate based on market conditions. This loan allows extra repayments and redraw facilities while offering competitive rates. Ideal for borrowers seeking affordability and control over their mortgage, though repayments may increase if rates rise.
Fixed Rate Loan
Provides interest rate certainty for terms of 1-5 years, protecting against rate increases. Offers predictable repayments for budgeting stability, though with limited flexibility for extra payments. Best suited for those prioritizing financial security over adaptability.
Construction Loan
Specialized financing for property construction or major renovations. Funds are released in stages aligned with project milestones, with interest-only payments during construction. Requires detailed planning approval and builder contracts to ensure project viability.
Line Of Credit
A revolving credit facility secured against property equity. Allows flexible withdrawals up to approved limits with interest-only payments. Suitable for investment opportunities, debt consolidation, or ongoing expenses, though carries risks of over-borrowing.
Split Loan
Combines fixed and variable rate components within one loan. Provides rate stability on part of the loan while maintaining flexibility on the other portion. Enables risk management against rate fluctuations while retaining potential savings opportunities through variable rate features.
People
Kim McMaster
Owner/Operator
With 15+ years in finance, Kim founded Gippsland Mortgage Solutions in 2015 after banking and broking experience. A local advocate, she sponsors multiple community sports clubs and holds leadership roles in local school and sporting boards.
John Mayman
Senior Mortgage Broker
Bringing 15+ years of banking expertise since joining in 2019, John specializes in simplifying complex mortgage solutions. Actively involved in local cricket associations and school committees, he combines financial acumen with community commitment.
Questions
What services does Gippsland Mortgage Solutions offer?
We provide comprehensive mortgage broking services including home loans, investment property financing, refinancing, construction loans, and business lending solutions tailored to individual needs.
Are there any costs for using your mortgage broking services?
No direct costs to clients - we receive commissions from lenders upon successful loan settlements, as disclosed in our Credit Proposal documents.
How do you support first-time home buyers?
We explain purchase steps clearly, assist with pre-approvals, handle paperwork, and help access government grants like the First Home Owners Grant.
What loan comparison tools are available?
We offer downloadable guides comparing loan types, including variable vs fixed rates, split loan options, and construction financing features.
How does your local knowledge benefit clients?
As lifelong Gippsland residents, we understand local property markets, community needs, and regional lending opportunities better than non-local providers.