Are you looking to upgrade your home, for more space? Or maybe downsizing or relocating to a new area.
At TSC Mortgage Brokers, we support you to research and understand your home loan options before you buy. We assess your borrowing capacity, explain different loan structures and features, and compare products from a wide range of lenders to help you find a loan that suits your circumstances and future plans.
We can also assist with pre-approvals, giving you clarity and confidence when house hunting, as well as managing the full loan application and settlement process once you’ve found the right property.
Our role is to make the finance side clear, considered and well-planned, so you can focus on choosing the right home.
Frequently Asked Questions
A housing loan (home loan or mortgage) is money borrowed from a lender to purchase a residential property. You repay the principal plus interest over a set term, usually 25–30 years. The property acts as security for the lender.
Most lenders require a minimum 5% deposit, though 20% avoids Lender’s Mortgage Insurance (LMI). First home buyers may access government schemes allowing as little as 2–5% deposit with no LMI.
A fixed rate locks in your interest rate for a set period (1–5 years), giving repayment certainty. A variable rate moves with market conditions and the RBA cash rate, offering more flexibility but less predictability.
Borrowing capacity depends on your income, expenses, debts, credit history, and the number of dependents. As a general guide, lenders often lend 5–7x your annual income, but a broker will calculate your exact capacity.
Common fees include application/establishment fees, ongoing monthly fees, valuation fees, LMI (if deposit <20%), legal/conveyancing fees, and stamp duty. A broker can help you compare the true cost across lenders.
Going direct limits you to one lender’s products. A mortgage broker like TSC accesses 30+ lenders, compares rates and policies, and manages your application at no cost to you — lenders pay the broker’s commission.
Typically: photo ID, last 2 payslips, 3 months bank statements, most recent tax return (if self-employed), evidence of deposit/savings, and details of existing debts and assets.
