Mortgages You Can Live With
Buying, Investing, And Refinancing Made Easy
We understand that buying a home or refinancing your existing mortgage can be overwhelming. That's why we've dedicated ourselves to simplifying this journey for you. Whether you're a first-time homebuyer, next home buyer, property investor, self-employed or navigating complex financial structures, our expert mortgage broker partners are here to find you the best financing solutions at competitive interest rates.
I Want To Buy A Home
I Want To Buy An Investment
I Want To Refinance
Why Use Our Partner Mortgage Brokers?
FREE Service
Lenders pay our partner brokers once your loan settles and service fees are comparable across lenders reducing bias.
Access Over 40 Lenders
Obtain expert recommendations comparing over 40 lenders including the big four banks and hundreds of loan products to ensure you get the most competitive rate.
Premium Service
Our partners are hungry for your business. We deliver a high volume of referrals so they remain 100% committed to delivering the best solution to you as our valued clients.
Finance FAQs
When should I speak with a mortgage broker?
If you're looking to buy property, it's best to speak with a broker before you start looking so that you can get the best picture of what your finances look like and what you can realistically afford. This will allow you to start searching, present offers and bid confidently knowing that you will be able to comfortably service the loan.
What you can afford typically informs your next steps so whether you're looking to buy, invest, or refinance, speaking to a broker should be done as early as possible.
What is the difference between engaging a mortgage broker or approaching a lender directly?
Our partner mortgage brokers work with over 40 lenders which puts them in the best position to offer the home loan that matches your individual circumstances and provides you the most value.
A lender will only have a suite of loan products specific to their company and are unable to talk to you or make comparisons about finance solutions from other lenders or companies, which may have been of greater benefit to you.
How much does using a mortgage broker cost?
Our partner brokers are paid in full by the lender you choose once the loan settles. Since most fees paid by lenders are comparable, you can be assured the mortgage product recommended to you is the solution with the best fit, not the highest incentive.
Other mortgage brokers may charge upfront fees depending on the complexity of the loan. Ours do not charge you any additional fees.
When is the best time to refinance?
Homeowners may benefit from refinancing at least every two years. If you have not refinanced in more than two years, you could be paying hundreds or even thousands of dollars more than you need to every year.
Our partner brokers review your numbers annually and negotiate with lenders on your behalf, typically without the need to complete a formal loan application.
I have had difficulty obtaining loans in the past. Will this be a problem?
Our expert mortgage broker partners have provided solutions for the most complex financial structures and circumstances including the use of self-managed super funds, trust structures, and individuals who are self-employed or have damaged credit ratings.
Does Townly get paid a marketing fee?
Our partner mortgage brokers may pay Townly a marketing fee when they successfully connect with homeowners through Townly and subsequently settle on a loan. Townly receives nothing if the loan does not settle which is why you can be confident and assured that we partner with only highly experienced mortgage brokers with an excellent reputation for customer service.
The marketing fee is taken from the standard fees that the broker receives from the lender when a loan settles and does not increase any costs to homebuyers.
What happens after I submit an enquiry?
A Townly team member will contact you to confirm your details. Next, we will connect you with the best partner mortgage broker to discuss your individual circumstances and mortgage requirements along with the information you provided on the enquiry form. They will use specialist software to compare hundreds of home loans to source the one with the best fit according to your needs.