DIVA Loan and Mortgage Broker

If it’s your first home, or if it’s time to renovate, refinance or invest, we’re here to help make it happen.

Loan Brokering and Personal Banking Advocate

Our DIVA Financial mortgage broker helps you with:

  • Home loan guidance on the loans right for you and the process of securing a home loan
  • Refinancing advice to pay out your current home loan and take out a new loan through either your existing lender or through a different lender
  • Debt management education to help you pay off your loans sooner
  • Tax guidance on how to claim and offset interest on loans to pay for business expenses and education.

Why should you use a mortgage broker?

There are lots of good reasons why more than half of Australians now use a broker to secure a home loan.

Probably the most important one that is we work for you, not the banks. We speak to you first to find out what you need, and then we use our knowledge of the market to better negotiate with the lenders.

Then we get a range of options before we work out which one is right for you, not what’s right for the lenders.

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Why Choose Us

  • We Provide Real Choice: Looking to Find You the Right Deal

    At our brokerage, we understand that every customer’s financial situation is unique. That’s why we don’t push a one-size-fits-all solution. Instead, we assess your individual needs and preferences to match you with the best possible loan options, ensuring you receive a deal tailored to your specific circumstances.

  • We Work with Multiple Lenders

    By partnering with a diverse range of lenders, we offer you access to a broad spectrum of loan products. This means you’re not limited to the offerings of a single lender, increasing your chances of finding a loan with favourable terms and conditions that suit your financial needs.

  • We May Negotiate a Better Outcome

    Our experienced brokers use their industry knowledge and connections to negotiate on your behalf. We aim to secure better rates, lower fees, and more flexible terms, potentially saving you thousands of dollars over the life of your loan.

  • We Help at a Time and Place that Suits You

    We understand that your time is valuable, and convenience is key. Whether you prefer in-person meetings, phone calls, or video consultations, our flexible approach ensures we’re available when and where you need us. This personalized service helps make the loan process as stress-free as possible.

  • We Do the Legwork for You

    Navigating the complexities of loan applications can be daunting. We take on the burden of researching, comparing, and managing the paperwork, so you don’t have to. Our goal is to streamline the process and keep you informed at every step, ensuring a smooth and hassle-free experience.

  • Ongoing Support and Follow-Up

    Our commitment to you doesn’t end once your loan is approved. We provide ongoing support and follow-up services to ensure your loan continues to meet your needs. Whether you need to refinance, consolidate debt, or seek advice on future financial planning, we’re here to help.

We streamline the process

The first step is we discuss what your financial needs and goals are. Then we research the many different products from a range of lenders to ensure we find the right solution.

And just to make things even easier, we’ll do the paperwork, manage the application process and then take it through to settlement.

Best of all, because this is what we specialise in, we get the process moving quickly. We use our relationships with lenders to secure your finance as fast as possible.

In short, a broker is there to look out for your interests, while lenders are there to look after their own. We don’t have to say who’ll do a better job for you.

Let’s Talk Over a Virtual Coffee

Buying a property is a time to be excited.

Don’t waste it looking for a loan.

We’ll help you find the right loan.

Because we work for you, a Broker’s efforts are dedicated to working for you.

  • We’ll meet at a place and time that suits you.
  • We do the legwork.
  • You’ll get a choice of different lenders.
  • You’ll have more options.

We do the hard work

We consider a range of options for you. Using our understanding and knowledge of the current market, we look at different loans and quickly narrow it down to the ones that suit your specific needs. Then we choose together.

And we help with the whole process

We don’t stop at just finding the finance. We’ll help complete the paperwork, manage the application process and follow it through to approval. Leaving you time to get excited about your new home.

Becoming a first home buyer

Buying your first home is an exciting, but big step to take and one that comes with many questions and decisions. The first big question is how much you can borrow and what your likely repayments will be.

That’s where we can help, we’ll do the legwork for you. We can compare home loans across a variety of products available from Australia’s leading lending institutions.

And because you’re a first home buyer, you may be eligible for a first home buyer grant. This grant may be available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. As grant conditions vary from state to state, contact us to find out more about eligibility requirements in your state and how much grant money you could receive.

We will also liaise with the lender. It’s our job to do the hard work and you can focus on finding the right home for you. We’ll be there every step of the way to guide you through the entire home loan process – from application to approval.

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Building a new home

New home sales are back on the rise, fuelled in part by many investors and owner-occupiers buying off the plan. The concept is straightforward: put up a deposit (usually 10 per cent) to help the developer fund construction and pay the balance when the build is complete.

Apartments are now springing up at a rapid rate in capital cities and popular holiday locations with the confidence that property prices will rise, handing buyers a tidy capital growth when they eventually take possession.

Developers sell off the plan to entice as many sales commitments as possible to then secure from their lender the finance they need for the build. Because buyers are essentially handing over their deposit for the promise of an apartment they won’t see for one to two years (or more), prices are set at current market rates with incentives often offered to entice buyers. This adds to the capital gain potential, but price rises are never guaranteed, as we have seen in past years.

In exchange for your deposit, the developer should provide a contract that outlines the details of your particular purchase, the completion date for the development and the deadline for when a decision must be made as to whether the development will go ahead. That decision usually hinges on whether sufficient finance has been secured.

If the developer pulls the pin or passes the decision deadline, you should be entitled to a refund of your deposit, but this depends on the conditions of the sale contract, so it pays to read this document carefully and if required seek financial or legal advice. Full payment for the property is not required until settlement, which is usually one to three months post completion.

While buying off the plan looks great on paper and can reap rewards, getting in on the ground floor of a new development is not always a fast track to making money. Haven looks at how you can make the most of the opportunity and avoid some of the common pitfalls.

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Refinancing your home loan

But where to start? We can help you weigh it all up.

As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate? Maybe it’s the advent of school fees, or perhaps the kids have flown the coop? Or maybe that leaking shower or tired kitchen has just reached the end of its life.

A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered.

The right refinanced loan might help you to pay off your mortgage faster and for less, refinance debt, or upgrade and add value to your home, all of which are steps in the right direction.

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Investing in property

Research and having the right people to help you are the keys when investing in property.

It definitely pays to do your homework on the property market before you dive in, and we’re thrilled to be on board to help you when it comes to financing your decision. Recent share market slides, tight rental markets in most capital cities and a whiff of increase in property prices are seeing many mum and dad investors retreat to bricks and mortar.

Generally, property in Australia is still considered to be a sound investment due to steady and consistent increases over time.

But it’s not a quick win. Property usually has a seven to ten year cycle, with highs, lows and steady stints in between.

Fortunately, an ongoing housing shortage in Australia and a tax system that allows negative gearing on property (where any investment losses can be claimed as tax deductions) continue to favour housing as a solid, long-term investment.

But credit has tightened in the wake of the Global Financial Crisis so lenders are more cautious about who borrows and for what. We are here to help find the right lender and loan for your circumstances in this new environment. We can also wade through the many investment loan options on offer, leaving you more time to find the ideal property.

Let’s Talk Over a Virtual Coffee

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