Ascot Mortgage

The repayment on your mortgage will always include the interest payable on the amount borrowed.

With an Interest Only Loan (IO), your repayments only pay the interest that is due and do not reduce the balance.

You can choose between 1-5 years and at the end of the Interest Only Term, the loan will revert back to Principal and Interest repayments.

Have questions? Book your free consultation today!

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Home Buyer | Investment | Refinance
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Sussex Residence, Seaholme VIC

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Booking an appointment to see one of our Mortgage Brokers is quick, simple and free!

If you're thinking about purchasing your first or next property and unsure what your options are, book your appointment today and we'll be more than happy to talk you through all your options.

ascotmortgage.com.au or follow the link k in our bio.

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Home Buyer | Investment | Refinance
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Doing it by yourself is possible, but can be daunting and challenging, especially when you're up against strong competition, pressure from agents and other buyers.
At times, it's best to have a team behind you to support and guide you through the home buying process.

Once you have your pre-approval, your team can do the heavy lifting.

Who's who on the A team?

BROKER: Your broker will be on standby in case you need to increase your budget, any last minute wisdom and support on auction day.

CONVEYANCER/SOLICITOR: Your conveyancer will thoroughly review the contract of sale prior to placing an offer or bidding at an auction.

BUILDING AND PEST INSPECTOR: A qualified inspector (not a family member) will give you comprehensive feedback on the property before you make a decision to buy or not.

BUYER'S AGENT: Opposite to a real estate agent who represents the vendor, a Buyer's Agent will help you find the right property with the right price, and will often do the negotiations for you.

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Home Buyer | Investment | Refinance
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Peach Melba, Melbourne VIC

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Doing these 3 points will help you bring down your loan faster!

Firstly, interest is calculated daily and charged monthly. So the goal is to bring down the principal balance to avoid more interest being calculated.

1. Pay weekly

2. Redraw - transfer funds into the redraw (home loan) to bring down the balance.

3. Offset - the funds in the offset will directly link to the home loan; the more funds you have, the more it will offset the home loan balance. Customers often treat the account like an everyday banking account.

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Home Buyer | Investment | Refinance
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Thinking about buying your first home?

Before you start searching for a property or start an application, it's important to understand your financial position.

Your Home Buying Guide is a FREE download and will give you a better understanding of how you can be buyer ready.

Find the link in our bio!

Garden House, Melbourne VIC

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MORTGAGE BROKERS; WE WANT YOU!

We are looking to build our team and if you've been thinking about a career change - let's chat!

We're looking for existing or new mortgage brokers.

If you'd like to know more, please reach out by emailing Nam at [email protected]

We look forward to hearing from you!

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Home Buyer | Investment | Refinance
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We know from recent data, close to 70% of buyers will use a mortgage broker. However, that simply means 30% of clients know what we do and choose not to connect with a broker. Some of the reasons might be:

1. You like to spend hours speaking with each bank and lender in your spare time to compare rates, fees, policies and turnaround times.

2. You don't mind speaking to a different person at the bank each time you need to communicate with a staff member.

3. You prefer your lender to work Monday to Friday, 9-5 only.

4. You enjoy the hold-music.

5. You prefer what you know because you've been banking with the same bank since you were born.

Book your free consultation today.

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Home Buyer | Investment | Refinance
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Buying your first home is a long-term investment, and it can often feel overwhelming. Questions like "How much can I borrow? How much do I need? Will I get approved?" are just a few of the many concerns you might have right now.

Before we dive into applications, discuss loan products, interest rates, or decide which bank to go with, we start with a Home Buying Plan.

A Home Buying Plan is free, personalized, and provides you with a clear understanding of what you can achieve based on your current or future financial position.

We will review your borrowing power across major banks, assess various home buying ranges to illustrate the minimum deposit required, and, importantly, show you what the proposed repayments will look like once you've settled on your home.

Reach out to us today for a complimentary and personalized Home Buying Plan.

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Home Buyer | Investment | Refinance
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Fabrica, Prahran VIC

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Want to know the latest interest rates from some of the major banks?

We keep you updated weekly!

Follow the link in our bio.

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Home Buyer | Investment | Refinance
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Welcome to ASCOT HQ!

Home to Ascot Mortgage, Ascot Property and Ascot Investment Management.

Come in and say hi 👋

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Being finance ready can give you the edge over other buyers when it's crunch time.

• You can offer more attractive terms, such as quicker settlement options.

• You can confidently place offers knowing your application has been fully assessed by the bank.

• Your file progresses much faster, moving from conditional approval to formal approval.

Download our First Home Buyers Guide (FREE!) and learn more about getting buyer ready or chat with us today!

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Home Buyer | Investment | Refinance
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Osbourne House, Williamstown VIC

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From the team at Ascot Mortgage, congratulations to our first home buyers, John and Berna! We were fortunate to work with John and Berna at the start of this year, and we're absolutely thrilled with their purchase!

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Home Buyer | Investment | Refinance
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Napier House, South Melbourne VIC

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