- SMSF Lending
- Commercial Loans
- Residential Home Loans
- Personal Loans
- Car Loans
Our Services
SMSF Lending
Self-Managed Superannuation Funds (SMSFs) offer a unique opportunity for property investment. Our team provides specialised SMSF lending solutions, guiding you through regulatory requirements and securing the right loan product. We ensure your SMSF property investment aligns with your retirement strategy and complies with all laws.
Commercial Loans
Empowering businesses to grow, North Rocks Mortgage Solutions provides flexible financing options for purchasing, refinancing, or developing commercial properties. With a tailored approach, we help businesses of all sizes secure the financial tools they need to succeed.
Residential Home Loans
Whether you're stepping into homeownership for the first time or expanding your property portfolio, North Rocks Mortgage Solutions is here to guide you. We cater to First Home Buyers, seasoned investors, and those looking for specialized solutions such as Defence Home Loans for Australian Defence Force members and Construction Loans designed to fund your dream home's build from the ground up.
Personal Loans
For life's major milestones or unexpected expenses, our Personal Loans offer competitive rates and flexible terms. Whether it's for a wedding, renovation, or medical costs, we provide personalized solutions to meet your financial needs.
Car Loans
Getting on the road has never been easier with North Rocks Mortgage Solutions. We offer fast, reliable car loans with competitive interest rates, ensuring a smooth journey from application to purchase.
Why choose us?
Flexible & Accessible
We don’t just work the typical 9 to 5. Our flexible and easily reachable team ensures
we’re available when you need us, even outside regular business hours. Your convenience is
our priority.
Strategy Focused
With over a decade of experience in the financial industry, Cordelia ensures that each
client receives the appropriate loan structure tailored to their unique needs.
Goal-Based Approach
We consider both your immediate needs and long-term goals, ensuring that mortgage
solutions align with your overall
financial strategy.
Ongoing Support
We provide continuous support and guidance throughout your mortgage journey.
Mortgage Solutions
For All Walks of Life
Refinance
Unlock equity, consolidate debt, or improve your loan features and rates.
No LMI & Waived LMI Home Loan
Avoid Lenders Mortgage Insurance with tailored home loan options.
No or Low Deposit Home Loan
Get started with minimal savings and secure your first home sooner.
Self-Employed Home Loan
Flexible lending options designed to
meet the needs of self-employed borrowers.
DHOAS Home Loan
Exclusive home loans with benefits tailored for Defence members.
01
Discovery Meeting
02
Loan Options Presentation
03
Loan Structure Confirmation
04
Loan Application
05
Loan Approval and Settlement
06
Free Post Settlement Care
See what our customers have to say
Excellent
2 reviews
E
ERIN Li
20-11-2024
Cordelia was amazing in helping me refinance my home and investment property loans. Her expertise and dedication made the process smooth and stress-free. She secured great rates and kept me informed every step of the way. I highly recommend Cordelia for anyone needing mortgage services. Thank you for your outstanding support!
Read More
A
Alex Pan
20-11-2024
North Rocks Mortgage Solutions is a game changer for property investors. Cordelia not only found us a tailored investment loan with great terms but also provided strategies to improve our borrowing capacity in the long run. She helped lay the foundation for building our property portfolio, ensuring we're set up for sustainable growth. If you're looking to expand your property investments, this is the team to trust!
Read More
If you are under 35 and looking to buy a property with low or no deposit
Calculators
Estimate repayments, borrowing power, and more with our easy-to-use tools to guide your financial decisions.
Home Loans Basics
Home Loan Basics Calculator: Understand the fundamentals of your home loan, including repayments, interest, and loan tenure, tailored to your financial situation.
Borrowing Power Calculator
Borrowing Power Calculator: Estimate how much you can borrow for your dream home based on your income, expenses, and financial commitments.
Stamp Duty Calculator
Stamp Duty Calculator: Quickly calculate the stamp duty costs for your property purchase, including exemptions or concessions applicable in your state.
Choose From a Range Of Lenders
See All Lenders
Frequently Asked Questions
Why use a mortgage broker?
What fees do you charge?
How much deposit do I need to buy a house?
How much can I borrow for my loan?
What Documents Do I Need for a Home Loan?
Choosing a mortgage broker over going directly to a bank has distinct advantages, especially if you value access to diverse loan options, expertise, and personalised support. Mortgage brokers offer a variety of benefits:
- More Options: Unlike banks, which can only provide their own products, brokers have access to a panel of lenders. This means you can get the best rates and loan structures tailored to your financial situation and goals.
- Saves Time and Effort: Brokers do the legwork of comparing lenders, rates, and terms for you, streamlining the often-complex mortgage process and saving you time.
- Personalised Support: Brokers are there to help you navigate the application process, explain product details, and provide support from start to finish, rather than the more limited engagement you might experience at a bank.
- Higher Approval Chances: A broker’s access to multiple lenders means they can often find an option to suit unique circumstances, such as being self-employed or having a low credit score.
- Ongoing Assistance: Brokers continue supporting clients beyond settlement, offering rate reviews and refinancing advice, ensuring clients continue to get the best value from their mortgage.
North Rocks Mortgage Solutions operates with a straightforward and transparent fee structure to make financing as stress-free as possible. Generally, we don't charge any fees for our home loan services because we’re compensated directly by the lender. This allows us to focus on securing the best loan options for you without adding extra costs.
However, for specialised or complex scenarios—such as some commercial, SMSF, or trust loans—fees might apply. In these cases, we’ll always discuss any fees upfront so that you know exactly what to expect, with no surprises along the way.
Feel free to reach out if you have questions or would like to know more about any specific loan services!
Usually, 20% of the full value of the house is a good amount to aim for as a deposit. You can still get a loan if you have a smaller deposit, but you may need to take out Lenders Mortgage Insurance (LMI) which adds an additional cost to your loan.
However, there are other options available with low deposit requirements. For more details about these options, you can explore our dedicated pages on Low Deposit Home Loans.
The amount you can borrow for a home loan varies based on several key factors, including your income, expenses, credit history, and the lender's assessment criteria. Typically, lenders use a serviceability calculator to gauge how much you can afford to borrow, taking into account your income and current financial obligations.
It's important to note that different lenders may arrive at different borrowing capacities based on your unique financial situation. Therefore, engaging with a mortgage broker can be highly beneficial in finding the best solution tailored to your needs.
Ready to find out how much you can borrow? Contact North Rocks Mortgage Solutions today to discuss your options and get personalised guidance through the borrowing process!
The paperwork for a home loan can feel overwhelming. At North Rocks Mortgage Solutions, we simplify the process. First, we gather your basic information through a Fact Find and request proof of income for an initial assessment. Once we’ve helped you choose the best lender, we’ll guide you through any additional documents needed for the final application.
For a complete list, check out our Documents Needed for a Home Loan guide.
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