Our Product Range

At Top Mortgages, We specialise in organising:

With access to a large panel of lenders we are able to deliver products to suit the needs of all of our clients.

Top Mortgages is a mobile service that is a true 24 hour a day, 7 day a week finance broker. We are available to our clients at times that are suitable to them, be that over the phone in the comfort of the clients home, taking away the need to arrange appointments with bank branches during business hours. We provide clients with information on a broad range of lenders and loans, once the client has chosen a loan suitable for them, we assist in obtaining loan approval and through to settlement.

In addition, Top Mortgages service is completely free to you as lenders pay us commissions for arranging the loan.

Home Loans

With a large panel of lenders to choose from, Top Mortgages can find a loan to suit your needs. Whether you’re self employed, an employee, have credit impairment or a first home buyer, Top Mortgages can help.

Home Purchases:
If you are buying a new home, you want a broker that will take into account your needs and adhere to finance approval and settlement time constraints to take some of the stress out of buying a new home.

Refinances:
You may be refinancing to obtain a better interest rate or simply because your needs have changed and your current product no longer suits your requirements. We can help you unlock the equity in your home for a variety of needs such as consolidating debts, home improvements or renovations, business capital, personal investment and for many other purposes.

First Home Buyers:
Top Mortgages can arm you with all of the information you need to purchase your first home. From using your first home buyers grant to form part or all of your deposit to obtaining pre approval to aid you in choosing a home that is right for you.

Investment Loans

Do you have or are you thinking of purchasing an investment property? Top Mortgages can arm you with all of the information you need to obtain finance for such a purpose as well as offer competitive alternatives to existing loans.

We can give you a good indication as to how much you may borrow for an investment property or properties based on your income, expenditure and net asset position.

There are many lenders that we have access to that offer a variety of products to suit the needs of the investor such as purchasing residential investment property, vacant land, units, inner city apartments, units below 50m2 and much more.

Some lenders even take into account the tax benefits and rent received when determining your maximum borrowing potential.

All of these reasons are a good reason to call Top Mortgages for your property investment requirements.

Debt Consolidation Loans

Providing you have equity in real estate we can help you consolidate other loans and credit cards to ease the financial stress.
Top Mortgages has access to lenders that can consolidate an unlimited number of debts into a mortgage, providing your equity and income is sufficient. Existing debts such as Credit Cards, Store Cards, Car Loans, Personal Loans and other debts can be lumped into one simple payment giving you more money to use each month.

Car and Vehicle Loans

Top Mortgages has access to lenders that can provide finance for vehicles of all shapes and sizes. We can provide you with a suitable product whether it be a Secured Loan, Chattel Mortgage, Lease, or Hire Purchase agreement.
We are able to give you a quote on any vehicle loan product over the phone, it’s as easy as that. In some cases we can even refinance your existing loan, saving you money.

Self Employed Loans

Are you self employed? Top Mortgages can obtain you a loan at competitive interest rates.

Lo Doc Loans
Lo Doc loans are for self employed people that are unable to provide accountant prepared financial statements. You simply self declare the annual income you earn. Many lenders offer this type of loan with very competitive interest rates, to suit a variety of needs, whether you are self employed for 1 day to fully established businesses.

Full Doc Loans
If you have been self employed and can provide financial statements from your accountant, we can obtain a loan for you at basic variable rates. Because our consultants have experience in dealing with commercial and rural loans, understanding your business financials is not a problem for Top Mortgages.

Credit Impairment

Do you have an adverse credit rating that has held you back from obtaining finance in the past? In today’s lending market there are many lenders that we can use to obtain finance for people that have experienced difficulties.

We have access to lenders that will provide finance for people with 1 credit default up to an unlimited number of defaults. We can come to you and show you a number of products that are available, that may suit your needs.