Lighthouse Mortgages

Whether you wish to purchase a new home or investment property, refinance an existing mortgage or gain access to the equity in your property, Lighthouse Finance exists to help you.

Our Process

As we are paid directly by the lender after your loan settles, there is no cost to you. So, not only do you get our expert advice at no charge, we also take the hard work out of getting a loan.

1. Initial Analysis

The Lighthouse Calculators will give you an indication of how much you can borrow, your likely repayments and the associated costs.

2. Your Details

When you are ready to take the next step, take the time to read our Credit Guide & Privacy Disclosure Statement and then complete our Client Needs Analysis form. It’s a fillable PDF (NB: not compatible with Mac) which can be saved and returned via email. A Lighthouse consultant will assess your needs and call you by the next business day. The information you provide will help us make our recommendation to you.

3. Our Proposal

We will recommend a mortgage from a lender on our panel which includes the following institutions:
AMP Limited
Australia and New Zealand Banking Group
Commonwealth Bank
Heritage Bank
La Trobe Financial
Macquarie Group
National Australia Bank
pepper money
St George Bank Australia
Suncorp Bank Australia
Westpac Banking Corporation

4. Formal Loan Application

If you are happy with the recommendation made, we will then proceed with a formal application for a loan with your chosen lender.

As part of our service, we will:

Consult with you on the proposed structure of your loan
Estimate your out-of-pocket disbursements
Assist with any matter in relation to your corporate structure
Review any financial statements or tax returns prepared by your accountant
Peruse the contract of sale and any other documents associated with the property purchase such as; building and pest reports, strata reports, etc.
Complete market research on a property of interest to determine fair market value. If required negotiate with agent or attend auction on your behalf (where applicable)
Read any letters of offer, valuations, mortgage documentation and other correspondence received from the mortgagee and/ or its solicitor and advise you of any proposed adjustment of other action that is required
Assist in dealing with the mortgagee and their solicitors during the course of the application
Liaise with your solicitors with regard to the settlement of the loan
Refer you to our panel of associates such as valuers or solicitors where required to complete the transaction
Ensure settlement of your loan in a timely and expedient fashion

Personal Service & Quality Advice

Personalised Service

Lighthouse is dedicated to helping people with mortgage finance.

Save Time & Money

Lighthouse will save you time and money on your home or investment property loan.

Carefully Curated Panel Of Lenders

Lighthouse has access to 38 different lenders with hundreds of loan options.

Professional Loan Assistance

Lighthouse takes the hard work out of getting the best loan.

Book a consultation with us

We can meet you at a time & place that suits you, or you’re welcome to visit our office in Lindfield.