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Expert advice and a range of options to help you get the best deal on your home loan.
Buying your first home is a significant milestone, and the process can be overwhelming. As a trusted local mortgage broker, we provide first-time buyers with expert advice and support throughout the process. From explaining how much deposit you’ll need to providing clarity on LMI waivers, we ensure that you’re prepared for every step of the way.
We help you understand the total cost involved in buying your first home, including hidden fees and charges. No one wants unexpected surprises, and our transparency ensures you know exactly what to expect during the application process and beyond.
Our goal is to ensure that your first home buying experience is stress-free and enjoyable. We’ll guide you through each step, making sure your loan application is completed correctly and your financial position is set for the future.
Curious about why Better Financial Tomorrow should be your choice?
As a trusted independent mortgage broker, we have access to a variety of lenders and banks. This means we can help you find the lowest rates and the best rates available, whether you're a first-time home buyer or refinancing your property.
We provide clear, actionable advice based on your unique situation. Whether you're buying your first home or investing in property, we’ll guide you through the process and make sure you’re making the right decisions for your financial future.
We act on your behalf, negotiating with lenders to secure the most competitive loan terms. From LMI waivers to fees, we work hard to ensure you're not paying more than you should for your loan.
The mortgage process doesn’t have to be complicated. Our experienced team will assist you with documents, help you fill in the forms, and make the process as smooth as possible, so you can focus on buying your new home.
There are many types of home loans available, and choosing the right one depends on your goals. Whether you're after a fixed rate, variable rate, or an interest-only loan, we offer a variety of options to match your preferences. Each type of loan has its own features, benefits, and potential drawbacks, and we’re here to help you explore them all.
We understand that your needs might change over time. That's why we offer flexible loan products that allow you to adjust your payments as your situation evolves. Whether you're looking for flexibility in your repayment schedule or a fixed loan term, we’ll help you find the right product.
Our team ensures that you’re fully informed about the features of each loan type, so you can make the right choice based on your long-term financial goals. We’ll explain how each loan works and what you can expect in terms of payments and costs over the life of the loan.
If you’re not satisfied with your current loan, refinancing could be a great option to secure better rates and terms. We assist homeowners in refinancing their loans by finding more affordable interest rates, fees, and better loan features. If your current lender isn’t offering you the best deal, we’ll help you explore other options.
The refinancing process is simple with our help. We’ll evaluate your current loan, identify areas where you can save, and connect you with a lender that offers better loan terms. Refinancing could allow you to reduce your monthly payments, consolidate debt, or access equity in your home.
We also help you avoid the common pitfalls of refinancing, such as unexpected costs or fees. By working with us, we ensure that the process is straightforward, and you’ll only pay what’s necessary.
Bonnie
nathan galea
As someone who easily gets frustrated and confused with paper work code made the whole process much easier than previous experiences.Clyde is a wealth of knowledge and and legitimately wants to see you succeed and he knows how to get you there. Would definitely recommend to anyone.
GAYNA
Clyde has been so helpful, from the moment we first met him. My husband and I are so appreciative of Clyde's willingness to assist - he has seen us outside of office hours multiple times, to ensure we can get his expert input and support.
Having never bought a property before, we had no idea what was involved with the process, and Clyde has always made himself available to answer our questions.
I have recommended him to my friends, and will continue to do so!
Nicholas
I came to Clyde wanting to buy a property and he pointed me in the right direction. 6 months later and I have bought my first investment property, Couldn't be happier. Great service, great person and always wears his smile
EMMa
Mortgage brokers (like me) act on your behalf working with lenders to help you find a loan
that is well suited to your situation. This means I do all the legwork for you! A Mortgage broker is also legally
required to work in your best interests (whereas banks and lenders aren’t!). Get in touch and
we’d be happy to answer any questions.
In almost all scenarios you are not required to pay a fee for our services. Instead, we’re paid a
commission by the lender you choose. If you have any questions give us a call and we’d be
happy to help.
We have access to over 60 banks and lenders, giving you access to competitive rates, choice
and power when embarking on your mortgage process.
Whatever is preferred by you! We can do it over zoom, the phone, face to face, whatever
you’re most comfortable with.
As a broker, I have access to over 60 lenders so I can offer you choice and a well informed
recommendation. Unlike the banks, I’m also legally required to work in your best interests
and in almost all scenarios you are not required to pay a fee for our services. Instead, we’re
paid a commission by the lender you choose. Get in touch for more information about how
we can help you.
Get a broker on your side early to help navigate you through the process. We’ll start by
understanding your current situation and your future goals. We’ll then research and refine
your options. Once you’re ready we’ll lodge the application for you!
Each lender has slightly different criteria, so the amount you can borrow will differ. To kick
things off I’ll need you to provide some information about your current situation. Then it’s
over to me to do the research and compare your options from over 60 lenders. Get in touch
so I can help you understand how much you can borrow, or go to our calculators page to get
an estimate! https://betterfinancialtomorrow.com.au/how-much-can-i-borrow/
We sure do. Whether you are buying a car, need to fund a holiday, to buy some furniture, pay
for a uni course or even get married, we can help get you sorted.
Stamp duty is a state government tax on your property and how much you have to pay
depends on which state you live in and the price of your property. Use our stamp duty
calculator https://betterfinancialtomorrow.com.au/stamp-duty-calculator/ to get an
estimate and get in touch if you have any questions.
Typically lenders ask for 20% of the total house price before they’ll consider giving you a loan
but there are a number of ways around this, like government grants and guarantors, which
means you could buy with as little as a 5% deposit. Get in touch and we can work out what
your options are and a plan to get you on the property ladder.
Unfortunately, the answer to this one is ‘Depends’! It differs from lender to lender and can
vary quite a bit (depending on their criteria, income, the type of property etc), so it’s really
worth shopping around. How much you can borrow also depends on the size of your deposit
and can change if you have an existing equity in a property. Get in touch and we can start
working it out for you!
Right from the beginning, Clyde at Better Financial Tomorrow has been a great help, his advice & professionalism is 2nd to none. We would highly recommend Clyde without hesitation. Do... Read more
Phil CroweClyde at Better Financial Tomorrow is both friendly and extremely knowledgable on so many aspects of finance. He has arranged mortgages for us and helped us purchase our first investment... Read more
Ian HayesWe are almost at the end of finalising our first home purchase. Up until this point, all I can say is Clyde has been there every step of the way.... Read more
Kaylie JaneClyde is professional and responsive and good value. He is a good broker and adviser.
Yellow Brick Road GladesvilleClyde has been very professional and effective in assisting my husband and myself with our financing
Jacki