Smarter mortgage and finance solutions

Using a mortgage broker like Magnitude Financegives you access to a wide range of lenders and loan products—not just what one bank can offer. We take the time to understand your personal goals, financial situation, and future plans, then compare options across our lending panel to find the best loan for you. Whether you're after a great rate, flexible features, or a structure that supports your lifestyle, we do the legwork, explain your choices in plain language, and guide you through every step of the process.

What sets us apart is our ongoing support. Your needs may change over time, and so does the lending market. That’s why we offer regular reviews of your home loan even after it settles—checking in to ensure your rate is still competitive and your loan is working for you. If there's a better option available, we’ll help you make the switch with minimal fuss. With Magnitude Finance, you’re not just getting a loan—you’re gaining a finance partner for the long run.

Nope! Some mortgage brokers may charge a fee but our services are typically completely free to you. We’re paid by the lender once your loan settles, meaning you benefit from our expert guidance at no direct cost.

Our team takes the time to understand your financial situation, goals, and future plans. Then, we compare multiple loan options across our lender panel to match you with a loan that aligns with your needs—whether that’s the lowest interest rate, the most flexibility, or specific features like offset accounts.

Buying your first home is exciting but can feel overwhelming. We’re here to simplify it. From understanding how much you can borrow, to getting pre-approval, accessing government grants, and guiding you through settlement—we’re with you every step of the way.

Yes! Depending on your location and circumstances, you may be eligible for the First Home Owner Grant (FHOG), stamp duty concessions, or the First Home Guarantee. The Magnitude Finance team will help you figure out what you’re entitled to and assist you with the application process.

While a 20% deposit is ideal, many eligible first-time buyers secure a home with as little as 5%, especially when combined with government schemes. We'll help you explore low-deposit options and discuss whether Lenders Mortgage Insurance (LMI) applies.

Yes—you might be eligible for bridging finance, which allows you to purchase a new home before selling your current one. The Magnitude Finance team will assess your situation and help you choose the best strategy to make your move seamless.

You may choose to pay off your existing loan with proceeds from the sale, or we can explore options like security swapor loan portability, which allows you to transfer your loan to the new property. We’ll walk you through your options and help you make the transition smooth and stress-free.

If it’s been more than two years since you reviewed your loan, it’s worth checking in. Whether you want to lower your rate, reduce repayments, access equity, or consolidate debt, Magnitude Finance can help you crunch the numbers and see if refinancing makes sense for you.

There may be some fees—like discharge fees from your current lender or application fees for a new loan. But don't worry—we’ll break down all the costs upfront and help you decide if the savings outweigh the expenses. In many cases, they do!

Absolutely. We regularly work with property investors—whether it's your first investment or your fifth. We’ll help structure your loan to support your investment goals, with the right features like interest-only repayments or offset accounts.

Investors often benefit from features like interest-only periods, redraw facilities, and the ability to split or fix loans. Magnitude Finance helps you navigate the options and choose a loan that aligns with your strategy—whether you're chasing yield, capital growth, or tax benefits.

Generally, you’ll need ID, payslips or tax returns, bank statements, and details about your assets and liabilities. We’ll send you a simple checklist based on your situation and help you gather everything needed.

Lenders Mortgage Insurance (LMI) is a one-time fee paid by you, the borrower, to protect the lender in case you default on your home loan. It’s typically required when your deposit is less than 20% of the property’s value.

LMI is paid upfront at the beginning of your loan and is non-refundable. Depending on your lender’s policy, you can either add this cost to your loan amount or pay it in full at settlement.

At Magnitude Finance, we can give you an estimate of your potential LMI costs based on your unique financial situation and borrowing needs.

Full approval or a pre-approval can usually take anywhere between 2-3 days to 1–3 weeks depending on the lender and the complexity of your application. At Magnitude Finance, we prepare a thorough application to avoid re-work, stay on top of the process, keep you informed, and work hard to meet your deadlines.

Yes—we love a challenge! Whether you're self-employed, have irregular income, or have been knocked back by other lenders, we know which banks are flexible and how to present your application to get the best chance of approval.