Home loan support
Services
Explore how Grow Fortune approaches home loan support, from comparing lending options to helping you understand the steps involved.
Loan solutions
Our Services
A Full Range of Home Loan Solutions
Whether you're buying your first home, refinancing, building, or growing a property portfolio, Grow Fortune compares options from a panel of lenders and finds a loan that fits your goals. We handle the paperwork and the lender conversations, so you can focus on the move.
Purchase
Buying a property involves many moving parts, from saving a deposit to getting loan approval before you make an offer. We guide you through each stage, whether you're just starting to plan or already have a property in mind.
Who we help
- First home buyers
- Upgraders and downsizers
- Property investors
- Buyers using a guarantor
- Professionals who may be eligible for LMI (lenders mortgage insurance) waivers
How we help
- Budget preparation: We work out what you can comfortably borrow and what your repayments could look like.
- Organising your deposit: We explain how much you need, the options for smaller deposits, and how guarantors can help.
- Government support: We help you check your eligibility for first home buyer grants, stamp duty concessions, and guarantee schemes, which vary by state and change over time.
- Pre-approval: Know your budget before you start inspecting, so you can bid or make offers with confidence.
- Loan comparison: We compare interest rates, fees, and features such as offset accounts and redraw facilities, then explain how they work in plain language.
Refinance
Refinancing means replacing your current home loan with a new one, either with your existing lender or a different one. It can be a smart move if your loan no longer suits you.
Common reasons to refinance
- Securing a lower interest rate
- Changing your loan term or repayment structure
- Accessing equity for renovations, investing, or other goals
- Consolidating debts into one manageable repayment
- Moving to a loan with better features
Our refinance checklist
- Identify your objectives: Are you saving money, freeing up cash flow, or accessing equity?
- Review your credit position: We look at your credit file and what lenders will see.
- Estimate your equity: We calculate the difference between your property's value and what you owe.
- Prepare for valuation: We explain what to expect and how to present your property well.
- Gather your documents: We tell you exactly what you need, so nothing slows you down.
- Understand the costs: We outline possible exit fees, application fees, and other costs, so you can judge whether switching is worthwhile.
Construction
Building your home works differently from buying an existing one. A construction loan covers the cost of land, labour, and materials, and the funds are released in stages as each phase of the build is completed.
What to expect
- Funds are paid out progressively, usually after progress inspections.
- During construction, repayments are typically based on the amount drawn so far.
- Once the build is complete, the loan moves to a standard home loan.
How we support you
- Personalised structuring: We tailor the loan to your build, whether it's a knockdown rebuild, a house-and-land package, or an owner-builder project.
- Professional team support: We coordinate with your builder, valuer, and lender so progress payments run smoothly.
- Responsive to change: Costs and timelines can shift during a build. We stay in contact with you and your lender to adapt.
Commercial and Other Finance
Your needs may go beyond a standard home loan. We also arrange a range of specialised finance options, including:
- Commercial property purchase: Offices, retail, warehouses, and other commercial assets
- Bridging loans: Short-term finance to cover the gap between buying a new property and selling your current one
- Debt consolidation: Combining credit cards, personal loans, and other debts into a single repayment
- Cash-out refinance: Releasing equity from your property for investment, renovation, or other purposes
- Investment property loans: Structures designed to support long-term wealth building
- SMSF loans: Lending for self-managed super fund property investments, where suitable
A considered approach
Why Clients Choose Grow Fortune
- Access to many lenders instead of a single bank's product range
- Clear, jargon-free advice from a dedicated broker
- Convenient online service to apply, upload documents, and speak with us from anywhere
- A faster, simpler process from enquiry through to settlement
- Ongoing support with loan reviews as your circumstances and the market change
How It Works
- Free consultation: Tell us about your goals and financial situation.
- Compare options: We research suitable loans across our lender panel.
- Choose your loan: We explain the pros and cons so you can decide with confidence.
- We lodge and manage your application: We liaise with the lender, handle questions, and keep you updated.
- Approval and settlement: We stay with you until the keys are in your hand.
- Ongoing reviews: We check in regularly to make sure your loan still works for you.
Ready to get started?
Let's talk about how Grow Fortune can help you reach your property goals.
Contact Us NowProduct details
Rates, fees and eligibility are confirmed for each loan
Loan products, rates, fees, eligibility criteria and lender availability depend on your circumstances and the lender's assessment. Ask your broker for current details before making a decision.
Contact Grow FortuneThis page provides general information only. It is not a quote, credit assessment or recommendation to apply for a particular loan.