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OUR SERVICES

Leading Home Loan Experts

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Leading Home Loan Experts

Our team of broker experts are here to educate our clients while providing an enjoyable experience from start to finish.

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Investment Loans

With access to over 40 lenders, we will find a great rate for you. From home loans to investment loans, we’re here to help.

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Construction Loans

Building a home unique and specific to you and your family’s needs definitely sounds exciting and rewarding.

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Refinance Loans

Explore cash-back offers and competitive interest rates when you refinance your home loan mortgage with us.

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WHY US?

Premier Finance Brokers...

Premier Finance Brokers with 10+ years of experience

Because we know that you want your home loan goals to be accomplished smoothly and efficiently, however, struggle to manage the time and hard work required. This is what we are here for… We take pride in having a Hobart team of professionals who are enthusiastic enough to go the extra mile to your benefit. Having a comprehensive knowledge of the housing market, loan products, and policies we pact with real estate agents, valuers, conveyancers, and every other professional involved in the process and keep you updated at every step.

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EXCELLENCE RECOGNISED

Our Award-Winning Achievements

TRUSTED COMPANY

How We Work

To begin with, we as your mortgage broking specialists, evaluate the gravity of your situation and then strategize accordingly. If you are planning to buy your first property, we understand how significant yet stressful the decision and the whole process of getting a home loan is to you. Thus, we start by informing you and guiding you at every step to help you become the owner of the property of your dreams.

We Offer

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DERWENT FINANCE

Approved Brokerage Service

Derwent Finance Team

We service all of Tasmania…from Hobart to Launceston to Devonport and beyond. See our service areas.
Our home loans expertise in Hobart ranges from Battery Point, Dynnyrne, Fern Tree, Glebe, Lanah Valley, Mount Nelson, Mount Stuart, New Town, Cornelian Bay, North South & West Hobart, Ridgeway, Sandy Bay, Cascades & Tolmans Hill. We’re also the leading provider of home loans in Tasmania.
By assessing your loan requirements closely, we tailor-make plans, offer strategized solutions, and find the best deals. Being partners with a bunch of leading banks, lenders, insurance providers, and investment property researchers facilitates us to assist you in reaching your goals effectively.
That’s how we ensure your application gets approved and runs smoothly from start to finish.

Derwent Finance Team
Since 2017 icon

2017

Since
Issued Loan icon

400

Issued Loans
Lenders icon

45

Lenders
Happy Client icon

3398

Happy Clients

BLOG

Latest Articles from Derwent Finance

Blog
February 29, 2024

Temporary Resident Home Loans.

Are you a temporary resident (TR) in Australia with dreams of owning your own piece of paradise? ????️   We understand that navigating the complexities of the mortgage market as…
refinancing for better lifestyleBlog
June 23, 2022

Homeowners refinancing in record-high numbers: explore your options

Homeowners refinancing in record-high numbers: explore your options Homeowners in record-high numbers are taking advantage of reduced interest rates and competitive refinancing offers. Are you ready to take the leap? …
planning first home depositBlog
June 19, 2022

You might be closer to your first home deposit than you think

You’ve probably heard the federal government is giving $25,000 grants to eligible Australians looking to build or substantially renovate their homes. Today we’ll look at what that means for first…

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FAQs

Home Loan & Mortgage Broking FAQs

What Is a Mortgage Broker?

A Mortgage Broker acts on your behalf throughout the process of obtaining your home loan, investment loan, debt consolidation, and refinancing. Their Primary role is to Prepare your home loan application, present to you your options, submit your file to the lender, manage communication between the other professionals involved and the banks; as well as sign your papers, educate you, and be by your side from start to finish and beyond.

What Does a Mortgage Broker Do?

A mortgage Broker acts on your behalf (like a real estate agent would when selling your house) to obtain finance for your home loan. They are the middleman between you and the bank.

A Mortgage Brokers role includes educating you on home loans, preparing a pre-assessment discussing with you your borrowing capacity, and discussing your bank options (because unlike when you walk into a bank where you have one option, Mortgage brokers generally have a large panel of 45 lenders to choose from). They will assist in packaging up your application and presenting it nicely for the lender to approve.

A Mortgage Broker will manage communication with the lender, negotiate, and come back to you to discuss what the lender is after. Often this will illuminate bank language jargon and waiting times on hold with the lender.

A Mortgage Broker will also go over and sign your application and formal loan documents with you. Explaining and answering all of your questions.
A Mortgage Broker will also be managing communication with the real estate agent and Conveyancer for settlement.

In short, A mortgage broker will save you a lot of time and stress.

Is It Worth Using a Mortgage Broker?

The world is a busy place, and you are most likely a busy person, home loans and Mortgages are not a thing to rush, it is something that takes a lot of time and understanding. Using a Mortgage Broker will save you a lot of time, potential stress, and money.

A Mortgage Broker can look over and compare many banks of your application, they can see which bank has the best products for your circumstances, the lowest interest rates, and fees. This can save you a lot of money in the long run, where a lender may not tell you that the back around the corner has a better product for you.

Are Mortgage Brokers Better Than Banks?

While there is nothing necessarily wrong in choosing to walk into a lender directly and get a home loan, a Mortgage Broker does offer more options, they also have the ability to negotiate and often are more available on the phone and email.

Are Mortgage Brokers Free?

In most cases, we will not charge you for our services upfront, but once you settle on your property your Mortgage Broker will receive a commission from the lender for giving them business. This will be discussed with your mortgage broker.

What Does a Mortgage Broker Need From Me?

What a mortgage broker needs from you when completing your application does depend on your personal circumstances however as a rule of thumb, a broker will generally include a form of ID ie driver’s license or passport, evidence of income (payslips, NOA employment letter, Business financials, bank statements showing salary credits,), evidence of funds to complete (bank statements).

How Do Brokers Make Their Money?

As brokers in most cases do not charge a fee for their services, mortgage brokers make their income though the commission they get paid when a client’s home loan settles. The commission amount will be stated on your loan documents. This all deppends on your loan scenario.

What Is The Difference Between a Mortgage Broker and a Mortgage Lender?

Where a lender lends money directly to you, a mortgage broker does not, they work between you and the lender to get you the best results.

Why Choose a Mortgage Broker Over a Bank?

A mortgage Broker simply can give you more value, from more flexibility with lenders to meeting times and the ability to negotiate. Over 70% of home loans are through mortgage brokers.

How Can Derwent Finance Make The Home Loan Process Simple?

Derwent Finance has branded its office to be an approachable, fun, eye-catching, educational, professional, and safe space for First Home Buyers and their families.

Derwent Finance applies the following approach to make their client base feel right at home; simplified language by breaking away from the norm of banking language (jargon) as well as maintaining honesty, and patience, and maintaining the highest level of customer service standards through ongoing and up to date communication held with clients and continuous growth and training of their team.

Every client at Derwent Finance has their very own customer service specialist. Their customer service specialists look after all communication from the first touch point through to settlement, this ensures the very best communication, no emails missed, and the client gets the time and dedication they deserve.

The Derwent Finance team is made up of the following roles; Mortgage Broker, Customer Service Specialist, Lending Assessor, and Settlements Officer.

Each member is involved across every client transaction in their own specialty area, this allows for an easy and streamlined process with little to no delays. This approach is highly favorable with all their clients and the feedback suggests they thoroughly enjoy the methods used.

WHAT PEOPLE SAY

Testimonials

When it came time to find the home loan that was ideal for my first house, we collaborated directly with Emmanuel. Always making it a point to ensure that we were happy, he went out of his way to make sure that we had all we need, including making regular checks in to ensure that any questions or concerns that we had been resolved. Derwent Finance has earned our highest commendation, without a doubt!

Marguerite James

Emmanuel is the definition of a seasoned expert. I was approved in no time, and the process moved at a fast pace. It doesn't matter what time of day it is; if I have a question for him, I can generally count on him to answer it immediately. He's also incredibly easy to get along with. Working with Derwent Finance mortgage advisor team was a highlight of my time, and I highly recommend them.

Dorothy Graham

The team at Derwent Finance have been excellent at every step of our home buying journey - from pre-purchase, to settlement and to checking in afterwards. They made it both an enjoyable and easy journey - no question was too much trouble, communication is exceptional & there is always someone available to speak with you.
I would recommend them to any prospective clients with no hesitation.

Jamie

Super knowledgeable and helpful staff. They are busy but always made time for us. We had a number of close calls without the settlement of our first property but the team at Derwent Finance were always quick and prompt to resolve issues as they came up. Highly recommend.

Tony Bose

I highly recommend Riley May and his team from Derwent Finance. They provide excellent service that have exceeded my expectations. They are trustworthy, reliable, and knowledgeable. Thank you!

Israa Khaleel
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