Frequently Asked Questions

Mortgage brokers offer access to a wide range of lenders – not just one bank’s products. At Investlink, we compare loans from over 20 lenders, including major banks, regional providers and specialist institutions. This means we can find a mortgage that suits your unique needs, rather than fitting you into a single bank’s criteria. Brokers also help you navigate the process, negotiate better rates, and structure your loan strategically.

Most lenders require a deposit of at least 5–20% of the property’s value. A 20% deposit helps you avoid Lenders Mortgage Insurance (LMI), but there are options for lower deposits, including guarantor loans. We’ll help you understand what’s achievable based on your situation and guide you through any available first home buyer incentives.
Yes, refinancing can help you secure a better interest rate, reduce repayments, or access equity for investment. You should consider refinancing if your financial situation has changed, interest rates have dropped, or your current loan no longer suits your needs. At Investlink, we proactively review your mortgage annually as part of your financial plan – so you won’t miss opportunities to save.

We offer a wide range of lending solutions, including:

  • Owner-occupied home loans
  • Investment property loans
  • SMSF and trust lending
  • First home buyer loans
  • Commercial property finance
  • Asset finance (vehicles, equipment, etc.)

Each loan is tailored to your financial strategy, with features like offset accounts, redraw facilities, and flexible repayments.

It means your mortgage is planned in sync with your investments, superannuation, insurance and retirement goals. At Investlink, our mortgage broking is fully integrated with your financial planning – so every decision supports your long-term strategy. You’ll have one team, one contact, and consistent advice across all areas of your finances.

Yes. As part of your annual financial review, we assess your mortgage to ensure it’s still competitive and aligned with your goals. If market conditions change or better options become available, we’ll let you know – often before you even ask. This ongoing support helps you stay ahead and avoid paying more than you need to.

Absolutely. Whether you’re self-employed, borrowing through a trust or SMSF, or have a unique income structure, we have experience navigating complex scenarios. We work closely with your accountant and financial adviser to ensure your loan is compliant, strategic, and tailored to your broader financial plan.

Book a free mortgage strategy session with us. We’ll discuss your goals, assess your current situation, and outline how we can help. There’s no obligation – just clear, expert guidance to help you make informed decisions.

We look forward to working with you to achieve your goals.

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