Brisbane’s Award Winning Mortgage Broker

We sure can! Our refinancing mortgage brokers Brisbane are able to help you with advice on refinancing for a better deal.

Our refinancing mortgage brokers Brisbane are able to help you negotiate a better deal with your current lender, refinance to a new lender, consolidate your existing debt or access money.  Good

At Blackk Brisbane, our team can help you get a number of different home loans. Our team in Brisbane can help you with first-home buyers loans, bridging loans, construction loans, renovation loans, refinance home loans, investment home loans and self-employed home loans. 

Chat to a member of our Blackk team today to find out more about the types of home loans on offer.

If you’re looking to schedule a free consultation with one of our Brisbane mortgage brokers, you can use our easy online booking system. 

By scheduling a free 20 minute consultation with Victor, our head  mortgage brokers, you’ll get a clear path forward to where you want to go.   If you’re ready for a home loan now we can get the ball rolling straight away. Alternatively use your scheduled consultation too  . get answers to questions like, can I get a home loan, how much can I borrow and spend on a home and how do I  get my finances ready to apply for a home loan.

Booking a free 20 minute call with us at Blackk in Brisbane is the best way to get started on your mortgage application process. 

On our call we will discuss where you are at and the best place to start with the mortgage application process.

Once we have discussed the home you are buying or refinancing and your financial situation, I will advise you on what

paperwork and forms you need to upload to our secure online portal. 

Once we have reviewed your information, our team does the research and recommends a home loan that may be suitable for you in a home loan application.

Generally we are able to get your home loan application approved by the lender  in around 1 to 7 days. 

After approval from the lender, we get your home loan application prepared, signed and submitted to the lender for formal approval within 1 to 2 weeks. Being formally approved means the lender will lend you the money and is a phone call from us you will be waiting for! 

We are in touch with the lenders regularly following up on your behalf to ensure your home loan is approved as quickly as possible.

Our award winning team is here to support you and answer any questions you have along the way.  

Our complete guide on how to buy a house in Queensland can help you know where to start on your mortgage application process. 

When it comes to getting your mortgage pre-approved we aim to make the process as quick as possible at Blackk Brisbane. 

The steps for a home loan pre approval are almost the same as doing the full home loan application.  After we have discussed your property goals and finances, you will need to upload your personal documentation to an online portal. 

Our team reviews this and researches which lender and home loan would be a good fit for you and we provide you with a home loan pre approval form to sign which is submitted to the lender.

It takes around 1 to 7 days for the lender to let us know if you have been pre approved. You will hear from us directly as soon we get the good news.  A home loan pre-approval normally lasts 90 days and you can’t make any changes to your financial situation in this time like spending savings, taking out a credit card or changing jobs.

Generally, there is no Brisbane mortgage broker cost you will have to pay when you use a Mortgage Broker to get your home loan approved and settled.

Mortgage Brokers get paid by your lender at the settlement of a Home Loan.

Lenders pay Mortgage Brokers in the background in the same way that they would pay their local branch staff in the background.

The client isn’t expected to pay the branch clerk when they go and see them, just like we don’t expect them to pay us directly.

So what that means is that we as your Mortgage Brokers don’t get paid unless we get you a home loan that’s approved.

If you’ve been wondering about the overall Brisbane mortgage broker cost, there are some instances when it will cost you to use Blackk Mortgage Brokers. However I will always let you know upfront when this is necessary and what additional benefits you can expect from me.

We advise you on what Government Grants, Rebates and Schemes you are eligible for as a First Home Buyer in QLD.  There are three main programs currently on offer which are:

1. First Home Owners Grant of $15,000 – read more here.

2. Stamp Duty Rebate of up to $8,750 – read more here

3. First Home Loan Deposit Scheme of up to $29,500 – read more here.

As first-time home buyers in Brisbane it can be confusing to know where to start and if you can even get a home loan. We simplify the first-time home buyer experience through support and by advising you on how to get home loan ready, how much you can borrow, what you can afford to spend on a home, and what Government Grants, Rebates, Schemes and support you are eligible for.  We also spend some time with  first-time home buyers  QLD walking them through the steps to buy like how to make an offer to buy a home, dealing with real estate agents.

One of the benefits of using Blackk Mortgage Brokers is we give you a very high level of certainty that your home loan will be approved by the lender.

Home loan approval is not something any one of us can completely control or guarantee as banks are regularly changing their rules and criteria.  With my experience in the industry and with a thorough understanding of clients’ financial situations, I have been able to get 99.2% of home loans approved for our clients.

Our philosophy is, if we do not think we have a very good chance of getting your home loan approved, then our Brisbane mortgage broker team won’t apply.

Instead I will give you clear and actionable steps to take to improve your financial situation like how to  increase your borrowing capacity, then we can take another look for you down the track.

My perspective on why I think the services we provide at Blackk Mortgage Brokers are unique comes down to two things.

The first is Blackk Mortgage Brokers have extensive experience with the credit policies from the banks and lenders which means we know how to advise Brisbane residents to prepare first financially before we apply for a loan so that when we do apply, we know you have certainty you will be approved with the latest interest rates on offer.

The second is our award winning customer experience which is unique to Blackk Mortgage Brokers. In 2024 our clients, many who are Brisbane residents, voted us the winner for the best customer experience from a Mortgage Broker in Queensland at the BankWest awards.

Blackk are the leading, customer focussed mortgage broker brisbane.

In 2024, Blackk won the best customer experience from a mortgage broker in Queensland as voted by our clients in the Bankwest survey. You can also check out our mortgage broker brisbane google reviews to see for yourself the feedback from our happy clients.

Blackk also has a successful track record at getting home loans approved, where almost every client who we apply for a home loan for gets their home loan approved (99.2% in fact in 2023).  This comes down to knowing lending policies inside out and having integral relationships with the lenders.

Non biased advice on which home loan to choose and how to set it up correctly is vital to get you ahead financially.

How should I structure my loan? Fixed interest rate V variable or a split loan?  Should I pay for an offset account?  How do I use equity to buy my first investment property?

Navigating home loans is complex and good advice will save you significant amounts of money, in fact with booming property markets, we can help put you in a position to grow your wealth.

Absolutely, we specialise in non biassed advice for our Brisbane clients on how to buy their first or multiple investment properties. Navigating investment property loans in complex and good advice will save you significant amounts of money.

I recommend you get in touch for advice at least 6 to 12 months in advance of when you want your investment property loans as we find most clients need to get prepared financially first.

We look at your current financial situation and owner occupied property first to check how much usable equity you have and what your borrowing capacity is.  We then have a range of strategies that will guide you towards being ready to apply for investment property loans with the certainty you will be approved by the lender.

You can get started with Blackk by booking a free 20 minute call with me here. This  is the best option if you are either:

1. Ready to make an offer to buy property now – after an initial chat, we will get the ball rolling for you quickly by giving you a secure online portal to upload your paperwork and complete an online questionnaire; or
2. Want some initial advice on what you can afford to spend on a home – it’s perfect if you are looking around for a Mortgage Broker, or want guidance on how to get ready to buy like how much you can borrow, what deposit you need saved and what the next steps are in the process to buy a home.