You've survived a pandemic, a housing crisis, and an avocado toast intervention. Getting the right home loan shouldn't be the hard part.
You've survived a pandemic, a housing crisis, and an avocado toast intervention. Getting the right home loan shouldn't be the hard part.
We grew up being told we'd own homes if we just gave up the lattes. Turns out it's a bit more complicated than that. Whether you're buying your first place or making the move to something bigger, the mortgage market is complicated enough without your broker making it worse. We speak plain English, we negotiate hard on your behalf, and Pete's with you from first call to settlement — and beyond.
Book a free callFrom your first place to your forever home — and everything in between.
Whether it's your first place or the upgrade you've been planning since you outgrew your share house — we find the right loan, explain what it all means, and make sure you feel good about every step. No jargon, no surprises, just a loan that actually fits your life.
Still on the rate your bank set you up with back when you signed? Chances are they're not in a rush to tell you there's a better one. A quick conversation with Pete could save you thousands — and it costs you nothing to find out.
So you've bought your first place and now you're eyeing a second. We structure your lending so it works now and sets you up for the next one.
Buying land and building your dream home? We manage the construction loan, the progress payments, and the timing so your build doesn't stall because of finance.
Your super, buying property. It's more complex than a standard loan — Pete's done plenty of them and knows this space just as well as he knows Adam Sandler quotes.
Self-employed and the paperwork doesn't tell the full story? Alt-doc loans are built for people who don't fit the mould — and we know exactly which lenders get it.
No complicated process, no waiting around. Here's how it works from first chat to settlement.
Jump on a call with Pete, no obligation. You'll talk through your situation, what you're trying to do, and whether now is the right time to move.
Pete compares 40+ lenders to find the right fit for your situation. Not just the cheapest rate, but the right structure, flexibility, and features for you.
Pete manages the application, follows up with the lender, and keeps you in the loop every step of the way until you've got your keys.
This calculator provides an estimate only. Actual repayments will vary based on lender, fees, and your individual circumstances.
Living expenses are estimated using HEM (Household Expenditure Measure) — the same benchmark used by Australian lenders. This is a guide only; actual borrowing capacity depends on lender policies, credit history, and your individual circumstances.
Stamp duty calculations are estimates based on standard rates. Thresholds, concessions, and exemptions vary by state and individual circumstances. Always confirm with your conveyancer or solicitor.
This is a guide only. Your actual home loan serviceability will be assessed by the lender based on their own criteria. Speak to Pete for a personalised assessment.
I can't recommend Pete enough! Going in as first home buyers with little to no knowledge was incredibly daunting, Pete made us feel at ease. Any questions we had over a phone call or text, Pete had the answers at all times of the day and night. It's clear that Pete cares about his clients going above and beyond.
"The kind of service that makes you want to tell everyone you know. And that's exactly what we do."
"Before working with Pete, I had spoken with several other mortgage brokers but never felt confident enough to use their services. Meeting with Pete changed that."
"Pete's been doing our loans for years. I can always rely on him making sure our loans are in top shape without even having to ask him."
"Highly experienced and a seamless process as a first home buyer. Great communication and quick to respond to any questions or concerns."
"It's refreshing to deal with a professional that is both responsive and proactive. Pete has exceeded my expectations in every way. I would recommend him to anyone."
"Fantastic experience with Loan Valley. Pete was professional, knowledgeable, responsive, and made the whole process smooth and stress free. Highly Recommend."
Honestly? Nobody knows — and anyone who tells you otherwise is guessing. What Pete can tell you is your borrowing capacity, what you can actually afford right now, and whether the numbers stack up for your situation. That's a better starting point than waiting for the market to cooperate.
Yes. HECS affects your borrowing capacity because lenders factor in the repayments, but it doesn't disqualify you. And here's something most people don't know — depending on your situation, Pete can sometimes get lenders to exclude your HECS debt entirely using specific bank policy. It's not always possible, but when it is, it can make a meaningful difference to what you can borrow. Worth the conversation.
We know. It's not you, it's the market. But here's the thing — your parents also didn't have 40+ lenders competing for their business, a broker who works for free, or government schemes that can get you in with 5% down. It's hard, but it's not impossible.
It's not too late. If the deposit is there and the income supports it, Pete can make it work. Plenty of Loan Valley clients bought their first home in their mid-to-late 30s and wished they'd called sooner.
If you haven't reviewed your rate in the last 12 months, there's a solid chance you're overpaying. Send Pete your current rate and he'll tell you straight whether it's worth switching.
Great question — and one more people should ask! Pete gets paid a commission directly from the lender once your loan settles, not from you (don't sweat it, the lender can totally afford it). It costs you nothing to use a broker, and the commission doesn't change the rate or fees you pay. It's the same deal whether you go through Pete or walk into a bank yourself — except Pete's comparing 40+ lenders on your behalf instead of you doing it solo, which means we'll get it right the first time round.
You can get started with as little as 5% — and if you're a first home buyer there are government schemes that help even further. The deposit is rarely the full story though. Book a call with Pete and we'll look at the whole picture.
Yes — and Pete works with plenty of self-employed clients. The key is knowing which lenders to approach and how to present your financials. It's more doable than most people think.
Every loan we settle, we plant a native tree in your name across Australia. It's a small thing that adds up — for you, for the environment, and for the country we all call home.
Book a free, no-pressure call with Pete. Whether you're ready to go or just starting to wonder if it's possible — we'll give you honest answers and a clear next step.
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