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Personal Financial Services

Understanding TKF Home Loans

The world of finance can often be a complicated, stressful place that is difficult to navigate for the uninitiated. That’s why, when it comes to understanding TKF home loans, we strive to make life as simple and easy to understand as possible for our clients. We have a dedicated team of home loan brokers who will gladly discuss any aspects of our services with you and ensure you understand every facet of your financial situation and obligations. We also offer a handy loan calculator to give you a fast, rough idea of the figures you are dealing with.

Benefits of Choosing TKF for Your Mortgage

There are many reasons to choose TKF as your home loan broker in Sydney and across Australia, including, but not limited to:

  • The personal touch and easy contact with your home loan broker whenever required

  • Open, honest advice and guidance from the best home loan broker in Sydney

  • Transparency, courtesy, and professional integrity at all times

  • Advice on refinancing options

  • Competitive interest rates

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How to Apply for a TKF Home Loan

Applying for a home loan is relatively straightforward when broken into a few easy-to-manage steps, namely:

  • Finding the perfect lender

  • Collecting requisite documents

  • Submitting the application

Luckily, our home loans brokers here at Turnkey Finance can assist you with every aspect of the process and make it as smooth and painless as possible.

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Required Documents and Eligibility

There are some essential items of paperwork you will need to secure any home loan and our expert home loan brokers in Australia will gladly discuss them with you. As a general rule, you will need to produce the following:

  • Identification: A driver’s licence or passport is preferable, but other forms of ID may also be accepted.

  • Lender privacy form and application: Completed and signed

  • Proof of income: Usually, your two most recent payslips will suffice

  • Current financial obligations: Any existing loan payments, credit card limits, or other regular reductions must be shown

  • Contract of sale: An executed COS is required unless you’re applying for pre-approval or refinancing

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FAQs

What are the different types of Home Loans offered by TKF?

  • Bridging loan: A short-term loan that allows up to 6 months to sell the existing property
  • Construction loan: A specialised loan designed to help meet payments required throughout the construction process, allowing loanees to draw from the balance rather than a traditional lump sum
  • Fixed/variable rate loan: This allows you to lock in the current interest rate at the time of settlement or take your chances with the financial markets and rising/falling interest rates.
  • Interest-only home loan: Paying only the interest and none of the principal owed means repayments will be much lower, leaving capital available for renovations, investments, and other expenses.
  • Introductory loan: To attract first-time borrowers, a low interest rate is offered initially, sometimes called a 'honeymoon' rate. After around 12 months, most revert to the standard rates, although there are exceptions where the rate can be fixed.
  • Line of credit loan: Sometimes offered to clients who have owned property for a while already and accrued equity in the form of regular repayments. Requests can be made to access the loan whenever required as cash and paid back as part of the existing agreement. Similar to a construction loan, this allows loanees to make the best use of the available resources, using the money as they see fit.

As proud, reputable home loan brokers in Australia, your Turnkey Finance home loans team will discuss your options with you in detail. They will give you the pros and cons of each loan and always recommend the right deal for you, not us. Get in touch, and we will gladly give you all the information you need and get the ball rolling on your home loan when you are ready to take the next step.

How long is the loan approval process?

Loan approval usually takes between four and six weeks and can generally be broken down as follows:

  • Pre-approval: This can vary depending on each lender, however generally 1-3 days
  • Application: 3-5 (business) days
  • Property valuation: 3-5 (business) days
  • LMI (Lender’s Mortgage Insurance) 1-2 days
  • Loan approval/settlement: 4-6 weeks

Are there any hidden fees or charges?

Here at Turnkey Finance, we take our role as the best home loan broker in Sydney very seriously and do nothing to jeopardise that or mislead people in any way. We never allow our clients to enter into any home loan or other agreement without first understanding the full extent of their fiscal responsibilities. To this end, our experienced home loans brokers will walk you carefully through any fine print before signing anything. Although nothing will be hidden, there is a long list of potential fees to be aware of, including:

Upfront fees

  • Application/loan establishment fees
  • Valuation fees
  • Legal fees
  • Settlement fee

Ongoing fees

  • Monthly home loan fees
  • Annual package fees

End of loan fees

  • Discharge fees
  • Lenders’ mortgage insurance
  • Break fees/break costs
  • Redraw fees

This is a list of fees, not all of which you will be liable for. Contact us and speak to a home loan broker today so they can answer any questions you have and put your mind at ease regarding some of these charges.

Can I make extra payments or pay off my loan early?

In some cases, this may be possible depending on the terms and conditions of your loan agreement. For more details, call and speak to our home loan brokers at your convenience, and they will give you all the answers and guidance they can.

Our Testimonials

Dale Norton
We had a great experience with Nick and his team. They made the process super easy and took away all the stress that comes with the financial side of buying a property. There was always clear communication and no issue was too difficult to solve.
Timothy Nolevski
Awesome experience refinancing my home loan with Turnkey Finance. Nick and the team helped me find a better rate with a new provider while still ensuring banking needs were met. Highly recommended!
Steven A
Nick and the team were incredible in catering to our situation and achieving the best outcome possible for us. Home loans can be a tricky beast to manage, however Nick and the team were able to guide us through every step and were incredibly responsive to any deviations in the settlement process. Thanks again Turnkey Finance!
Billy Soria
Nick and the team at Turnkey Finance were extremely professional from start to finish and I would highly recommend their services. I was impressed with their breadth of knowledge, transparency, industry experience, along with how responsive they were to all my queries. They made the whole process seamless and proved to be quite nimble to accommodate my individual circumstances. I would definitely use their services again and recommend them to all my friends and family. Thanks Nick!!!
Oralie Wright
Nick and his team are fantastic! They provided us with guidance and professionalism through what was a very long winded process for us. Nick went above and beyond over and over again. There is no doubt we would ever hesitate to use Turnkey Finance in the future. The best experience we have had with a broker!
Brianna McShane
Nick was recommended to me by a good friend of mine and I could not recommend him more highly. As a first home buyer in Sydney, Nick helped me work out what the best options were for my circumstance, provided so much information on the schemes available (First Home Deposit Guarantee Scheme / stamp duty exemption ) and found me a competitive interest rate. He was responsive, genuine, trustworthy and made the bewildering process as a first-timer a lot easier to navigate! Thank you Nick and team!
Dennis Vlachi
Turnkey Finance were excellent. Being self-employed and ex bankers, we knew it wouldn’t be an easy home loan application, however Nick and his team helped us achieve our goals without any stress. They made it happen, kept us informed throughout each stage and steered us in the right direction to the finish line. We are extremely happy and would recommend them to everyone for any financial needs.
AJ Haider
I can't recommend Turnkey Finance enough! I applied for a home loan, and being my first home loan, was unsure of a lot of the steps in the process. Nick took his time to answer my numerous calls and patiently answer every dumb question I had. Hayzel kept me updated with my approval status so I was never left in the dark and guided me in providing the right documentation to the bank. It's a fantastic team I wouldn't think twice in recommending them to all my friends and family!
Michael Zoubourlis
A massive thank you to Nick who has always gone above and beyond for our financing needs! We have been long time clients with him for a range of residential and commercial ventures. His wealth of knowledge and experience, super fast response rate to any sort of queries we might have, and above all his strong ability to negotiate the best deal possible for his clients (which includes ourselves, other members of my family plus associates of ours) are just some the strengths Nick brings to his clients. Coupled with this is his engaging, friendly nature and willingness to always help you, no matter how big or small the ask! We couldn't recommend Nick enough, a 5 star service from start to end!!
Hayley O'Brien
We wouldn't be without Nick and his team on our team. Having absolute trust in your broker is so important and that's exactly what we have with Turnkey. Thanks, once again for everything you guys do for us. Absolute legends!
EMMA LUNG
Nick at Turnkey is the best in the biz ! He has managed to broker the most amazing rates and all with the most calm demeanour which makes what is often a stressful experience, anything but. I cannot recommend his services more highly.
YeoYong Wong
Nick and his team are very dedicated, efficient and very knowledgable. I’m so glad I was introduced to Nick and able to get the refinance deal through. Nick followed up with the incoming bank and always keep my in the loop. I’m highly recommend Nick and Turnkey Finance to anyone.
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