A mortgage broker for Hobart borrowers, on a national lender panel.
A mortgage broker covering home loans, refinancing, investment and SMSF lending for Hobart and Tasmania. Delivered virtually. Same panel, same broker, no in-person office in Tasmania.
How the service works for Hobart clients.
Every meeting is by video or phone. Document collection runs through a secure portal. Loan and supporting documents are e-signed. Submission to the lender is electronic. Physical proximity does not change processing time at any major Australian lender.
A typical Hobart file runs across three contact points. An introductory call to map income and target. A working session to compare lender options. A submission walkthrough and email updates until settlement.
Hobart sits on the same clock as Melbourne, which makes scheduling straightforward. Hours run 8am to 7pm AEST.
No Hobart shopfront. Same national lender panel.
The practice operates from Docklands, Melbourne. Lender access does not depend on broker postcode. The panel is national. Hobart owner-occupier and investment files are submitted, priced and assessed under the same lender policies as a file from anywhere else in Australia.
Tasmania is a smaller mortgage market than the mainland capitals, but the lender panel does not change. Major banks, second-tier and SMSF specialists all lend across state lines.
- Same 50+ lender panel.
- Same broker, the whole way through.
- No upfront fee for residential lending.
- Same Credit Guide before any submission.
Loans we arrange for Hobart borrowers.
Owner-occupied home loans
Variable, fixed, split, offset. Hobart owner-occupier files run at smaller average loan sizes than the mainland capitals.
Refinancing
Rate review, cashback offers where available, equity release, debt consolidation. Loans older than two years are usually above market.
First home buyer loans
Federal First Home Guarantee scheme and the Tasmanian First Home Owner Grant for eligible new builds. Stamp duty concessions in scope.
Investment property loans
Interest-only, P&I, portfolio structuring. Tasmanian investors often hold assets on the mainland, and mainland investors increasingly hold in Tasmania.
Commercial property loans
Owner-occupier commercial and investment commercial. Self-employed clients with stable cash flow are the typical fit.
SMSF property loans
Residential and commercial LRBAs through specialist SMSF lenders. Tasmanian trustees treated identically to mainland files.
Construction and bridging
Progress draws, end debt, short-term bridging. Useful for upgraders with established equity in long-held Hobart property.
Car and personal loans
Through the same panel where it makes sense. Less common than residential, but available when needed.
The 50+ lender panel for Hobart borrowers.
50+ lenders via Outsource Financial. The six listed are the lenders we send the most volume to. SMSF-specialist lenders sit on a smaller, more cautious panel. Lender selection depends on credit profile, LVR and loan purpose, not on the borrower's state.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
Loan profile we see most often.
Practice-wide loan sizes land between $500,000 and $800,000. Hobart owner-occupier files typically sit at the lower end of that band. Tasmania is the most affordable capital-city market in the country, and the cash-flow side of the file usually has more headroom than for a mainland equivalent.
Hobart was a strong investor market through the 2017 to 2021 cycle and has cooled since. We talk about that honestly. Some investor files now sit on flat or slightly negative growth on paper, and the refinancing or restructuring conversation is more about cash flow and rate review than about chasing capital gain.
Refinancing volume from established owner-occupiers and from earlier-cycle investors is strong. Loans held for more than two years are very often above market.
SMSF and broker fees explained.
End-to-end for Tasmanian trustees.
30+ SMSF loan clients across the practice. Tasmanian trustees access end-to-end SMSF lending and, where relevant, the broader strategy under one adviser. Coordinated with the trustee's accountant.
No upfront fee on residential.
Broker commission is paid by the lender on settlement. The arrangement is disclosed in the Credit Guide before any application is submitted. Commercial and SMSF can carry advice fees, agreed in writing before work starts. Tasmanian first-home buyers should also have a look at the first home buyer page.
What Hobart borrowers usually ask first.
Continue reading
- All broking servicesFull pillar page. Every product, full scope, every state.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, LVR positioning, portfolio sequencing.
- SMSF property lendingLRBAs and specialist lenders for Tasmanian trustees.
- Hobart financial plannerVirtual financial planning across Tasmania.
- Hobart buyer's agentInner, eastern shore and southern belts.
Start with a free first call.
A first conversation. Income, deposit, target property if you have one. The same call Hobart clients have had with us for years.