Aussie Caloundra

Overview

Welcome to Aussie Caloundra.

Caloundra is a pocket of paradise located at the southern end of the Sunshine Coast. Our desire at Aussie Caloundra is to make living, buying and investing in paradise more affordable.

We'll find you the home loan that suits your needs from the hundreds available from our panel of lenders including the big 4 banks. Why spend weeks running around to dozens of lenders to get the best deal, when we can search home loans from 21 of Australia's leading lenders in just minutes. Best of all our service comes at NO COST TO YOU – we are paid by the lenders for the loans that we refer to them.

How Aussie Caloundra Mortgage Brokers can help you:

- Home Loans
- Investment Loans
- Commercial Loans
- Refinancing
- Debt Consolidation
- Insurance
- Asset Finance

Services we provide

Aussie Caloundra Mortgage Brokers

Aussie offers at no cost a comprehensive mortgage broking service to compare hundreds of loans in order to help find the best home loan for you.

- Easy – We do all the hard work for you
- Quick – Compare thousands of home loans in just minutes
- No cost – No charge to you for our service
- Comprehensive – Compare up to 21 lenders, including the major banks
- Personal – Get a service personalised to your needs
- Professional – Fully trained and accredited expert brokers

Home Loans/Investment Loans

Aussie has an excellent range of home loans, whatever your situation.

- Great rates
- No hidden fees or charges
- Owner occupier, investment, refinancing
- First home buyers
- Construction Loans and House & Land packages
- Low Doc Loans
- Flexible loan features
- Split loans
- Fast application processing
 

Commercial Loans

Our team includes specialised Commercial Lending Accredited Brokers.

Debt Consolidation/Refinancing

Combining all your debts, whether it's credit cards, store cards or other loans, is a good way to take control of your finances and reduce debt pressure.

- One fixed and easy-to-manage payment each month
- No more juggling different amounts and repayment dates
- Avoid paying multiple fees

Insurance

At Aussie we understand the importance you place on protecting your most valuable assets – your family, your home and yourself. We are focused on providing affordable and easy to understand insurance solutions.

- Home
- Contents
- Landlords
- Mortgage Protection

Our Service Standards

Client needs come first

At Aussie Caloundra, we listen and will take time to understand your needs and objectives before offering a solution. We have no lender preference and will recommend a loan for you with impartiality. We will only suggest a product to you that will meet your individual needs. If you are looking for assistance on a matter that does not fit within our skill set, we will happily refer you to someone who is better placed to provide that advice. At no time will we receive a commission from any party we may refer you to.

Reliability

We will do what we say we will do. We are here for you as our client to deal with any requirements our lenders have, to organise loan documents, signups, arrange settlements and ensure accounts are working post-settlement. Our aim is to navigate through these on your behalf, to keep you informed at all times, respond to queries and ensure your loan settles on time.

Add Value

While you may see us to obtain a home loan, we endeavour to provide you with other value adding services. Whether you are a first time buyer or experienced property investor, we will happily provide free RP Data reports to help you find the right property. We also offer property and mortgage protection insurances to help you protect your lifestyle.

How we can help you

The First Home Buyer

Buying your first home can be daunting. We will spend the time to answer your questions and make sure you know what's involved and whether or not you are in a position financially to purchase a home. It's important to make sure you have as large a deposit as possible and that you are comfortable with the minimum repayments you will be required to make, even if interest rates rise in the future. In assessing your financial readiness, we will discuss all options with you, including use of government grants and any potential family equity assistance. If you are not ready now, we will help put you on the path to purchasing a home in the future. If you are ready, we will assist you in obtaining pre-approved finance before you purchase a property. This will provide clarity on what you can afford to spend on a home and make obtaining finance simpler once you do sign a contract to purchase.

The Property Investor

By now, you will have an understanding of what's required financially to purchase a property. For you, we can assist not only in obtaining a great deal on your financing, but also provide free RP Data property reports to assist you research potential properties and areas that you are interested in.

When purchasing a property for investment purposes, it will also be critical to review how your financing is structured to maximize your financial returns. Factors to consider include how to best preserve debt for tax deductibility purposes, interest only loans and the use of offset accounts. The advice of an accountant would also be valuable at this point.

Looking to Refinance

When refinancing getting the best deal possible becomes paramount. At Aussie Caloundra, we contact lenders on our panel directly to make sure we obtain the best offer possible – which may even be better than if you went directly to the bank.

We will then assist you in considering the different options available, looking not only at the rate, but refinance and discharge fees, ongoing fees, and the features and benefits of different loans before recommending a solution. We will only recommend a refinance solution if it is in your best interests.

Fees and Referrals

Many people are surprised to learn that we do not charge them for our service. We receive commissions from the lender for introducing your loan to them. These commissions will be disclosed to you at the time we prepare your loan application. These commissions are not on-charged to you by the lender.

Our aim is to provide you with a first class, valuable service that doesn't cost you anything. If indeed we do meet your expectations in this regard, the biggest favour you can do for us is to refer your friends and family to us.

We will work hard to earn your trust so that you are comfortable referring people to us. Our business depends on it.

Meet our Team

At Aussie Caloundra we have an enviable team of qualified personnel to assist you. Regardless of who you meet with, the Caloundra team supports each other to ensure your needs are met. The team is also backed by the first class support and systems of Aussie Home Loans.

- Stephen Engstrom, Franchise Principal & Broker

Welcome. My name is Stephen Engstrom and I am your local MFAA (Mortgage & Finance Association of Australia) accredited Aussie Mortgage Advisor and Franchise Principal of Aussie Caloundra.

I have extensive mortgage lending experience through working for various financial institutions over the past 25 years. I can match your current financial situation with the right home loan for your specific needs. I have a keen interest in not just structuring mortgages correctly but doing so in a way that benefits you as much as possible. I'll show you how the benefits of certain product features can be used to their best advantage to help you save money. My aim is to make the entire home loan application, submission, approval and settlement process as stress free and simple as possible, thereby saving you valuable time and energy. Best of all my service comes at NO COST TO YOU – I am paid by the lenders for the loans I refer to them.

- Alan Porter, Aussie Broker

After a career in banking and finance spanning 41 years so far, I have no plans to change my direction just yet!

I spent 22 years with Westpac, joining in 1974 and leaving in 1996 I then moved to Caloundra and spent the next 10 years as a private mortgage broker working for myself. In March 2006 I joined Bank of Queensland, Caloundra branch as their new Corporate Branch Manager and then in February 2007 I purchased the franchise in partnership. I retired from the bank in February 2014 but after 9 months trying other things, I decided that I missed the interaction with customers and applied for a job with Aussie Home Loans in Caloundra as their new Home Loan Writer. I have continued to advance my education and recently completed a Diploma in Finance and Mortgage Broking. I hold various other qualifications and also hold a Real Estate Sales Licence.

- Leanne Howell, Personal Assistant

Hi my name is Leanne Howell. I have been working in the banking industry since finishing school. I moved to the Sunshine Coast 20 years ago with my husband so we could start our family in this beautiful environment of sandy beaches and gorgeous hinterland. I joined Stephen and the Aussie Caloundra team in 2013 and thoroughly enjoy my time here. We have a great location in the main street and our office is very welcoming.

Why Choose Aussie Caloundra

- Open 5 days a week and by appointment outside of normal working hours
- Aussie is a national, award winning company
- All brokers are accredited with the Mortgage Finance Association of Australia
- Aussie's exclusive comparison Toolbox software means we can search hundreds of home loans from our panel of lenders to find the right home loan for you
- Our business is focused on you. Our clients are very important to us and our goal is to exceed our client's expectations
- We provide a yearly free Home Health Check