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Your trusted Mortgage BrokerKLM finance helps you secure the best home loan solutions, whether you're buying your first home, upgrading or investing.
With a professional yet friendly approach, we simplify the mortgage process, handling the legwork and guiding you every step of the way. Our goal? To make financing your home seamless, stress-free and tailored to your needs. |
Why Choose Us
Over 35 Years of ExperienceWe bring expert guidance and trusted advice to help you secure the right home loan with confidence. Access to Vast Lender NetworkWe work with a wide range of banks and lenders to find the most competitive rates and terms, tailored to you. A Personalised, Client-First ApproachWe take the time to understand your unique situation, offering tailored solutions and ongoing support. |
100% FreeOur services come at no cost to you. We’re paid by the lender, so you get expert support without the extra expense. Award-Winning Mortgage BrokerWe have been recognised as State Top 5 Mortgage Broker – NT for four consecutive years by RateMyAgent. We’re with You for the Long HaulFrom your first home to future investments and refinancing, we’re here to provide expert advice every step of the way. |
Client Testimonials
Free First Home Buyers Guide
Our FREE First Home Buyers Guide is packed with practical insights to help you feel confident, informed, and ready to make smart decisions - from saving your deposit to settlement day.
Whether you're just starting out or already house-hunting, this guide will walk you through every stage of the journey in simple, easy-to-understand language.
Whether you're just starting out or already house-hunting, this guide will walk you through every stage of the journey in simple, easy-to-understand language.
FAQ
Why should I use a mortgage broker rather than going straight to the bank?
There is a huge choice in the mortgage market today and the choice can become overwhelming. We can sift through all this information for you and save you valuable time. We have a panel of lenders so can sort through these lenders to find the right loan for your circumstances. Some penalties, fees and charges aren’t obvious and a mortgage broker can help to avoid a loan that looks great on the surface but is expensive underneath.
Do you have your own Credit License or are you a Credit Representative?
KLM finance operate as credit representatives.
How do you decide which loan is best suited to my personal situation?
There is a huge array of options when choosing the right loan, from which features are suitable to fees to the right structure. This is where we work with you to analyse the loans in the marketplace to come up with a solution that meets your needs both now and into the future. . We will come up with the best match for your income, goals, budget and lifestyle.
Do you charge a brokerage fee for getting my finance approved?
We do not charge any fees for our standard service. We will do all the legwork of applying for your loan and getting the finance approved with no charge to you.
What information do I need to provide you to obtain my finance?
We will give you a list of required documents at the time of discussing your loan requirements. These documents can include but again different with each bank :
- Personal ID – normally a driver’s license
- Property information like contract of sale if applicable
- Bank transaction statements
- Liabilities – Loan and credit card statements
- Income – pay slips, tax return
- A list of expenses like rent and utility bills
- Any investments you may have
- Most recent superannuation statement
What impact will my credit card limits have on my borrowing capacity?
The higher the credit card limits you have, the smaller amount you will be able to borrow. The banks work on a minimum payment of 3% per month of the credit card limit, regardless if you have any outstanding balance.
What fees will I incur when taking out a home loan?
There are numerous fees that you will incur when buying a home and taking out a mortgage.
- Stamp duty
- Conveyancing fees
- Property inspections
- Loan establishment and other bank fees
What are the procedures that I need to follow in order to obtain my finance and settle my loan?
There are a number of necessary steps in order to make the loan application process go as smoothly as possible. The following are briefly what is required:
- Research the area you are buying into and what type of property you are interested in
- Meet up with us for an initial meeting to discuss your requirements
- Supply all the necessary documents in order to assess the loan and meet the lenders criteria
- We will then assess your file and submit your application with recommendation for approval
- If successful, conditional approval is given which may include valuations of the property/s
- Once the loan has unconditional approval, you will be advised and the conveyancer will also receive notice
- You will meet up with us again to sign all the loan documents. These documents are normally issued directly to our office so they can be checked off and prepared.
- These signed loan documents are then sent to the lender. Your conveyancer will call up the lender once all documents are processed and book in settlement.
How long will it take for you to obtain the appropriate finance for my needs?
This will depend on having all the correct documentation at the start of the process. If the lender has all the required documentation at the start of the application process, it will certainly speed up the decision. Obtaining pre-approval usually takes up to 5 working days, assuming all documentation is submitted. Once the full unconditional approval is granted, the conveyancer will liaise with us according to the contract of sale timelines to have the finance in place when required.
