The Mortgage Broker
for Professionals
& Families

We help professionals and working families find the
right loans and negotiate rates so you can focus
on your goals.

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What We Offer

Refinancing of Home Loans

The finance market can change dramatically in a short period of time. Your current loan may have been the optimum solution or lowest interest rate for you when it was set up, but it may no longer be. With so many great offers, now is an ideal time to shop for a better home loan. At HULE Finance, we will do all the legwork to help you find the right loan and deal for you.

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Investment Property Loans

Despite fluctuating markets, building a property portfolio remains a popular form of long-term investment here in Australia. But finding the right investment property can be tricky… and it takes considerable time and effort. At HULE Finance, we develop your unique strategy with careful consideration.

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First Home Buyers

Buying your first home is a huge learning curve, and no doubt it will be one of the most significant financial decisions you’ll make in your lifetime. It pays to have someone by your side through the buying journey, ensuring you understand the process at every step.

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Who We Are

At Hule Finance we always go that extra mile to ensure
our clients get the required approvals for the mortgage
and loan solution that’s right for them.

We do this by using relationships with a large pool of lenders
in identifying the best loan options available.

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Why Choose Us

  • Specialise in Refinance
  • Access to a large pool of lenders
  • Negotiate the best rates for our clients
  • Weekends and after hours - not a problem
  • We find solutions to tough problems

Frequently Asked Questions

  • Why choose a mortgage broker rather than going direct to the bank?

    You limit yourself to one bank if you approach the bank directly. This means you have limited options and may be missing out on a better deal from another lender. At Hule finance, we have access to 30+ lenders, allowing you to compare interest rates, charges, and loan features from various banks and non-bank lenders. Simply put, we can offer you far more options than banks, which enables you to snap up the best deal possible.

  • We don’t live in NSW. Can you still help us?

    Our mortgage brokers help people all across Australia. If you want your home loan approved, then use an expert mortgage broker, not a local mortgage broker.

  • How do I apply for a loan?

    We will complete all the mortgage applications for you to ensure your home loan application has the optimum chance of success. We would compare all mortgage rates, fees and hidden costs so we can deliver you the best value home loan for your situation.

  • What information do I need to have ready for my home loan application?

    Once we have reviewed what home loan suits you best, it’s time to get all your information ready. Try to be as prepared as possible because any missing information may lead to delays in your home application process. As a guideline, we will ask for the following details to submit your application:

    1. Proof of Identity (passport, driver’s licence or proof of age card).
    2. Evidence of Income (gross and net income and two latest bank statements).
    3. Expenses (details of bills, rent, and any extraordinary expenses).
    4. Assets (history of savings or details about owned investment property).
    5. Liabilities (current mortgage payments, personal loans, and credit card status).

  • How much does it cost to use a mortgage broker?

    You incur no costs by involving us, and we are often even cheaper than going to the same bank directly… since we have good contacts, we know how to work the pricing tools.

  • What fees come with a home loan?

    The fees include Stamp duty, Government fees, lender’s mortgage insurance (where applicable), council rates and conveyancing fees etc. It’s essential for you to have a good understanding of the upfront and ongoing costs when putting down an offer for a property.

  • What is LVR?

    “The term LVR stands for ‘loan to value ratio’. It shows the value of your home loan as a percentage of the property’s value. For example, let’s say that you’d like to borrow $450 000 and the property price is $600 000. The LVR of the home loan would be calculated like this: ($450 000 loan ÷ $600 000 property value) x 100 = 75% LVR”

  • What is the comparison rate, and why can it be misleading for most borrowers?

    Comparison rate is calculated on a $150,000 secured loan, over a 25-year term which didn’t necessarily reflect actual client scenarios, where the average loan size is more than $500,00, often over 30 years. Also, it won’t include any governments fees and charges like stamp duty or the impact of say, the First Home Loan Deposit Scheme on a loan,”

What Our Clients Say

“Deepak has worked hard to bag the best bargain to get the best home loan rates in this soaring home rate increase. He is very professional and knows the value of time and was very prompt to answer any queries from banks to refinance loan in time.”

…

We will educate you about the options,
take care of the paperwork and negotiate
with our large pool of lenders so you
get the right property financing solution.

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