mortgage broking in Craigieburn

It depends on how your income is structured, and in this suburb it usually is worth it. If you are on a flat salary with a large deposit, your own bank is a perfectly reasonable first stop. If any part of your income comes from shift allowances, penalty rates, overtime or a second job, which describes a large share of Westmeadows households working at the airport and through the freight corridor, then the lender you choose changes your borrowing figure substantially. One lender may count all of your shift loading, another only 80 per cent of it, and a third may want twelve months in the role first. Comparing that policy is the whole point of the exercise.

Somewhere between all of it and none of it, depending entirely on which lender assesses the file. The variables lenders apply are how long you have been in the role, whether the allowances are contractual or discretionary, whether your employer will confirm them as ongoing, and whether they appear consistently across two payslips or two years of group certificates. Shift and penalty loadings in essential and 24-hour operations, which covers most airport ground handling, freight and logistics work, are generally treated more favourably than discretionary overtime in an office role. We check the specific policy against your payslips before an application goes anywhere near a lender.

For a standard residential home loan or [refinance](/refinancing), nothing. The lender pays us a commission when the loan settles, typically around 0.65 per cent of the loan amount plus GST upfront and a smaller ongoing trail, and none of that is added to your rate or your balance. A fee-for-service applies only in specific circumstances, essentially commercial and complex business facilities rather than home lending, and you would be given the amount in writing before any work began. There is no charge for an initial conversation, a borrowing capacity assessment or a pre-approval that does not proceed.

Yes. Postcode 3049 covers Westmeadows and Attwood together, and in practice we work across the whole pocket bounded by the Tullamarine Freeway and the Western Ring Road, which takes in Gladstone Park, Jacana, Broadmeadows and Greenvale. These suburbs share a lending profile more than they differ, with similar employment patterns and comparable housing eras, so the same lender knowledge applies. If you are further out toward Roxburgh Park or Bulla, call 0468 841 850 and we will confirm, because we almost certainly still cover you.

That is the normal arrangement here rather than an exception. A significant proportion of Westmeadows clients work rosters that make a nine-to-five appointment impossible, so meetings happen in the evening, on weekends, or over a screen share where that is easier than travelling. Adil works from Gwilt Street in Westmeadows, so a local face-to-face meeting is straightforward, and documents can be signed digitally rather than requiring a trip. Tell us your roster and we will work around it.

Allow two to four weeks for the finance approval, which takes slightly longer than a standard home loan because the lender also assesses the contract, plans and permits. The build itself is the long part, and a standard single-storey home commonly runs nine to fifteen months from slab to handover, with delays from weather, trade availability and material supply being routine rather than exceptional. Where the land has not yet titled, add that wait on top, since a build cannot start until the land settles. Budget for holding costs across the whole period, because most people are paying rent alongside the loan interest until handover.