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      More Than What We Do...It's Who We Are...

      • Cash back home loan offers
      • Over 50 Lenders on our Panel
      • Quick response
      • We can get hard loans approved
      • We can negotiate your rates
      General Info

      We are a well known company within the mortgage & finance industry.

      Mortgage Providers provides a boutique mortgage consultancy service. Our brokers, take the time to get to know each of our clients to ensure we find the right lender and policy for you. We are well established and have built a steady reputation as savvy and trusted industry specialists. Not only do we work arduously to find the best deal for you, we will only submit an application we have confidence will get approved first time, every time. Our team has over 60 years of combined industry experience. This means we have been around long enough to know the ins and outs of different policies and have accreditation with a broad range of lenders that only industry specialists have access to. This means, we could potentially save you thousands of dollars and years off your mortgage. Mortgage Providers is a member of the Mortgage and Finance Association of Australia (MFAA) as well as Credit Ombudsman Services Limited (COSL), and also holds an Australian Credit License (ACL) number 387688. Whether you are purchasing your first home or have already established a large property portfolio, our experienced brokers will work hard to ensure you are matched with the best lender for your unique financial position.

      Mortgage Providers are an Australian owned and operated broker specialising in all types of Mortgage and Home Loan lending. Some of our brokers have been ranked in the top 100 brokers in Australia. Our specialities include Home loans, Low Doc Loans, Commercial Loans, LVR Home Loans, Vacant Land Loans, and Discounting the Cost of Lenders Mortgage Insurance. All our brokers are registered credit representatives, and we hold an Australian Credit license(ACL). We are also full member of the MFAA.

      At Mortgage Providers we have access to a wide variety of different home loan types. We also specialize in specific niche types which makes us stand out from other brokers. Our brokers are ranked in the top 100 brokers in Australia by MPA magazine and Macquarie Bank. Our specialities include but are not limited to: *Professional packages, *Refinance home loans, *Low doc loans, *LMI Discounted Loans, *Waive LMI loans, *Probation home loans, *Fixed rate home loans, *Guarantor home loans.

      Commercial loans: Commercial loans have many similarities to business loans, but are secured by a commercial or industrial property using bank bills. These loans are for either the purchase or refinance of commercial or industrial property. Commercial and industrial properties make up approximately 20% of most banks' lending portfolio.

      Email
      Payment method
      debit, cash
      Established
      2003
      ABN
      16 105 838 999
      Staff
      11-20
      Ownership
      Locally Owned
      Service Notes
      Open Monday to Friday
      Free Estimates
      Yes
      Other Link
      Category
      Finance - Mortgage Loans
      Commercial
      Yes
      Licenses
      Legal ID: ACL387688
      Keywords
      100% home loan, 15 year commercial loan, 20 year commercial loan, 25 year commercial loan, 70% LVR commercial loan, 75% LVR commercial loan, 80% LVR commercial loan, 85% No LMI, Compare LMI cost, LMI comparison calculator, Low Doc 60% LVR, Low Doc cashout, Low doc 70% LVR, Low doc 80% LVR, No genuine savings, Risk fee, bad credit construction loan, bad credit loan, cash back home loan, commercial construction loan, commercial lease doc loan, commercial loan, commercial low doc loan, commercial mortgage, commercial no annual review loan, compare LMI, construction loan, genuine savings, guarantor home loan, high LVR commercial loan, lenders mortgage insurance, low doc 85% LVR, low doc No LMI, low doc accountants letter, low doc bad credit, low doc construction loan, low doc loan, low doc no BAS, low doc refinance, low doc trading statements, low doc vacant land, low doc with BAS, lump sum deposit, multi units on 1 title, probation home loan, rental history genuine savings, self employed home loan, vacant land loans, vacant land low doc, waive LMI
      FAQschevron down

      What are the costs with buying a home at 90% LVR?

      Buying a property at 90% LVR does not necessarily mean you will pay extra fees or interest. A 90% LVR home loan is generally priced the same as a normal loan with little or no fees, and the only real additional cost is usually Lenders Mortgage Insurance. The Lenders Mortgage Insurance or LMI cost is paid by the borrower and protects the bank against potential loss as a result of value loss from the property should the borrower default and the lender forecloses on him.


      If I had bad credit, can I get a 90% LVR home loan?

      If you had bad credit you can still get a 90% LVR home loan. It's best noted that not all lenders will accept a 90% LVR home loan if you had bad credit. Most lenders who will do a home loan at 90% LVR are generally non conforming lenders who specialize in bad credit. However, there is a very small number of normal lenders who will consider lending you at 90% LVR if the bad credit history is minor and can be adequately explained.


      Can I get a risk fee charged instead of LMI for a 90% LVR home loan?

      There are two lenders who will allow a risk fee charge instead of LMI for a 90% LVR home loan. This risk fee is generally 30-40% cheaper than normal LMI, and the borrower must satisfy the lender's criteria to allow this to happen.


      Do I have to pay a higher interest rate for a 90% LVR home loan?

      With most lenders, you will not pay a higher rate for a 90% LVR home loan. Therefore you will get a normal rate just like any other loan with same interest rates. There are a small number of lenders who offer very small interest rate discounts to loans which are under 90%. This is not very common though as most lenders price these loans the same as normal loans.


      Can I borrow the cost of the mortgage insurance on a 90% LVR home loan?

      You can borrow the mortgage insurance on top of a 90% LVR home loan. This can bring the total LVR to approximately 92% LVR on completion. In most cases we call this capitalising the LMI.


      In what names can I borrow using a 90% LVR home loan?

      You can borrow using any of the following names for a 90% LVR home loan: *Personal name, *Company name, *All Trust type names, *Partnership name, *Business name. At Mortgage Providers, our staff have access to the latest updates knowing where the cheapest and most flexible 90% LVR home loans are. We can guide you through what each lender offers and how that offer will translate to you in real language and dollar terms.


      Can I get a 90% LVR home loan if I was on probation?

      You can get a 90% LVR home loan approved even if you were on probation. This type of loan is only found with a very small number of lenders and must be submitted correctly upfront to improve its chance of approval.


      Can I refinance and debt consolidate using a 90% LVR home loan?

      You can refinance and consolidate other debts using a 90% LVR home loan. Most lenders will allow this provided that the debts being refinanced are conducted satisfactorily, the property is suitable security, and the borrower can demonstrate affordability.


      Can I get a 90% LVR home loan with a low doc loan policy?

      You cannot get a 90% LVR home loan using low doc home loan policy with any lender in Australia in 2012.


      Do I need genuine savings when buying a property at 90% LVR?

      You do not need genuine savings when buying a property at 90% LVR. However, most lenders will ask you to have genuine savings at 90% LVR, there are a few lenders who will not ask and will approve this loan for no genuine savings.