When buying property, be it your first home or fifth investment property, there will be moments when you'll need some help or suggestions on the best way to move forward. At Zest, a Mortgage Broker in Brisbane, we can help you understand the process, risk, legalities and all of the steps to buying a new home.
We do a lot of the heavy lifting for you.
At Zest, we've got a 99% loan success rate and are award-winning Mortgage Brokers who are experts in the Aussie property markets - meaning that we can help with more than just a straight-out loan - like consolidating finances for pre-approval, so you get the property you need and want.
Why use a local mortgage broker?
Did you know that around 70% of Australians now use a mortgage broker instead of dealing directly with a bank? The reason is that a mortgage broker makes everything easier and can get you the right deal.
At Zest Mortgage Solutions, we work for you, not the banks.
That means we have access to over 60 lenders, and as expert brokers, we have a 99% loan success rate. So not only does a local mortgage broker makes life easier, but they can also help you get your home loan across the line in less time.
It all starts with understanding your borrowing capacity, so if you are looking to take out a new home loan or refinance, the easiest thing to do is to chat with an expert.
You can chat to Zest here (it's totally free!). Or please feel free to see what we do and meet the team on Facebook, Instagram or LinkedIn!
How does a mortgage broker make money?
At Zest, we work on a commission structure from the lenders - there is no cost to you. It's partly why we've 300+ Google reviews!
Commission to brokers is standard in most industries, especially in financing.
Some local mortgage brokers may also charge a consultancy fee or other fees. We don't believe this is right, unless you have an extremely complex financial situation and lending needs, like a commercial complex with other investors.
A complicated lending situation can take weeks for a broker to work out, that's why we understand why brokers charge fees for this.
However, with home loans and most construction loans, it's a matter of understanding your financial position and lifestyle and finding the most suitable loan product.
So, if you are looking at purchasing a home or investment property, there's no need to pay fees. Again, get in touch with Zest Mortgage Solutions.
What does a local mortgage broker do?
A local mortgage broker helps you navigate the home loan maze by assessing your financial picture, your income, credit, and down-payment plans, then shopping dozens of loan products from banks, credit unions, and private lenders to find the best fit.
They negotiate rates and fees on your behalf, gather and submit all the paperwork, and coordinate with real estate agents, underwriters, and title companies to keep your mortgage on track and closing on schedule.
With personalised, face-to-face service and deep knowledge of your local market, local brokers tailor solutions to your needs and stay by your side even after you’ve signed the papers.
And that's what we, here at Zest, do for our clients - and a whole lot more!
Here are 7 top reasons to use a local mortgage broker:
1) Financial guidance, that's completely independent
At Zest, the right financial guidance can make all the difference, whether you’re saving for a deposit or simply want fresh eyes on your strategy. We specialise in assessing borrowing power for self-employed individuals, a process that can be particularly complex.
As a local mortgage broker serving clients across Australia, whether you’re self-employed or in full-time employment, we’ll:
- Craft a financial plan that fits your lifestyle and meets lenders’ criteria
- Help you borrow the full amount you need and manage repayments, even as interest rates fluctuate
- Assist clients with poor credit, drawing on our partnerships with over 60 lenders to offer a wide range of loan products
If you’re looking to boost your home-loan deposit or better understand your borrowing capacity for your dream property, get in touch today!
2) Reducing the choice overload (a major benefit)
At Zest, we negotiate with over 60 lenders on your behalf; imagine spending your days contacting each one just to find the right loan! That’s exactly why you turn to a local mortgage broker: we streamline the process and save you time.
Every day, we deliver expert advice across almost every financial situation.
Buying a property can be overwhelming. Too many options can lead to sleepless nights debating rates, features, and lenders. We cut through that choice overload so you can focus on finding the loan that truly fits your needs.
For most of our clients, the home-buying journey takes several months. If you’re working full-time, having a dedicated mortgage broker ensures you get off on the right foot from day one. Whether you’re a busy couple or a family juggling hectic schedules, we’re here to guide you every step of the way.
3) Lifelong support
When you’ve found the perfect home, secured the right loan and moved in, a sudden interest-rate rise can leave you asking, “What now?”
That’s why partnering with a mortgage broker from day one means you’ll always have an expert advocate in your corner.
Most Australians juggle careers, families and busy lives, and it’s reassuring to know your local broker is just a call away.
At Zest, we deliver ongoing education, too! Each month, you’ll receive concise email updates that cover everything from application milestones through to settlement.
Unlike many major banks or large lenders, where support often falls short, we pride ourselves on a boutique, personalised service. We’re here whenever you need us, ensuring your loan always matches your evolving needs. What works for you today might not in three years’ time, and with Zest’s lifelong support, you can adapt confidently every step of the way.
4) Local property expertise
Sometimes the suburb you have your heart set on isn’t the one that best fits your needs. It might be a matter of differing market-value trends, or perhaps another area simply offers the amenities you crave.
At Zest, we dive deep into local data, tracking prices, demand and emerging opportunities, so you can make informed decisions you won’t find elsewhere.
This local insight is especially vital if you’re considering an investment property. Beyond securing the right loan, you’ll need tenants, insurance, agents and more, and we’ll connect you with the people and resources that match your goals.
Remember: finding your perfect home goes hand in hand with finding your perfect home loan. Understanding the suburb you’re buying in is only the beginning, but it’s the most crucial first step. If you need help evaluating any area, our local mortgage-broker team is here for you. Get in touch with Zest today!
5) Real-estate agent help
Once you’ve pinpointed the neighbourhood you want, first-time buyers can face intense sales tactics that push you toward homes that don’t fit your needs or beyond your deposit and borrowing limits. Real estate agents make their living closing deals; without insider know-how, it’s easy to fall into their traps.
At Zest, our seasoned mortgage brokers have negotiated with local agents for years. We’ll help you:
- Sidestep high-pressure tactics and focus only on homes that suit your criteria
- Secure pre-approval and understand how any extra capital affects your repayments
- Keep your budget (and your peace of mind) fully intact
Need trusted local agent referrals or expert negotiation support? Get in touch with our mortgage-broker team today!
6) Property research help
What may appear to be your dream home on the first visit can become a different story if you need to do the right research.
A Mortgage Broker like Zest will help you do the right due diligence, often before you book and pay for a building inspector.
Ask us for a complete list (just contact us here), but examples like properly testing the shower, checking lights and windows work, walking the neighbourhood and understanding traffic, knowing the local amenities, and much more that matter when you own a home.
This benefit of using a local mortgage broker like Zest Mortgage Solutions is a big one, as it's not just the cost of your new home you need to consider. It's the feeling of waking up each day in your home! If you want any property insights, please get in touch with our dedicated team.
7) Savvy property people
At Zest Mortgage Solutions, we know the processes and traps when working with banks, real estate agents, solicitors, building inspectors, and a list of people involved in the property market.
Having lifelong support is one thing; having a team of savvy experts on your side can be the difference between having a great experience and one you'd never like to go through again when it comes to buying a home, having savvy people on your side matters!
Our team has a wide range of skills beyond regular home loans, so if you are looking for a team of savvy local mortgage brokers, we can help.
In Summary, a local mortgage specialist like Zest helps with more than just your home loan.
Ready to secure your dream home loan at unbeatable rates? Zest negotiates with over 60 lenders to deliver a 99% approval rate, and our 200+ five-star Google reviews speak for themselves, from Brisbane and the Gold Coast to Perth.
Whether you’re already with a major bank or just starting out, a quick Zoom call with Mel and our team can uncover better terms and real savings. With offices in Springfield, Ipswich, and Flagstone, and hundreds of delighted clients across Queensland, we’ll streamline every step, from application through settlement.
Let’s make your home-ownership goals a reality: get in touch with Zest here today!
