Your Local Mortgage Broker Brighton

Larger and more complex loans benefit from an independent comparison. We review your situation in detail, including multiple properties, trusts or business income if relevant, and compare offers from over 60 lenders to find a structure that suits. We negotiate on your behalf, manage valuations and paperwork, and coordinate with your accountant, solicitor and agent through settlement. Our experience with Brighton's houses, townhouse developments and rebuilds means we can anticipate lender questions before they slow things down.

When buying a house in Brighton, budget beyond the deposit for stamp duty, which depends on the price and whether any first home buyer exemption or concession applies, along with conveyancing or legal fees. A building and pest inspection is worth the cost on established houses, and council rates and water charges are adjusted at settlement. Lenders may also charge application or valuation fees, and lenders mortgage insurance usually applies if you borrow more than 80% of the value without a guarantor or government scheme. If you plan to renovate or rebuild later, we factor that into the loan structure from the start. We map out all of these costs before you make an offer.

Brighton combines a long stretch of foreshore, including Brighton Beach and the Dendy Street bathing boxes, with four nearby Sandringham line stations and two established shopping strips on Church Street and Bay Street. The suburb is home to a wide range of schools, from Brighton Primary School and Brighton Secondary College to several independent schools. Its housing is mostly larger family homes on established streets. As with any suburb, check individual properties, planning controls and pricing carefully before buying.

A construction loan funds the build in stages, usually called progress payments, such as slab, frame, lock-up, fixing and completion. You generally pay interest only on the amount drawn during construction, then the loan converts to a standard home loan. Lenders require a fixed-price building contract, approved plans and council permits from the City of Bayside. If you are also refinancing your existing loan or renting while you build, we factor in those costs so the whole project is properly funded.

Often, yes. Equity is the difference between your property's value and what you owe, and lenders may let you borrow against part of it to fund a deposit and costs on another property. Your income, existing debts and the lender's serviceability rules will determine how much you can access. Structuring matters, so we usually suggest separate loan splits for investment purposes and recommend you speak with your accountant about tax. We also check how the new loan affects your plans for retirement.

No branch visit is needed. EverLend can meet you in person or handle everything by phone, email and video, with documents uploaded securely. That flexibility is useful for busy families, people who travel for work, and anyone juggling a sale and purchase at the same time. We submit the application to your chosen lender, chase any outstanding items and walk you through the loan documents before you sign, so the process stays on track without extra appointments.