HJQ Group

We keep our clients informed with weekly news updates on the latest credit market trends. Additionally, you can schedule a meeting with one of our friendly, professional consultants to discuss any questions regarding your loans and financial situation. We’ll assist you in structuring the most appropriate loan plan for your needs.

We save you time, money, and stress, taking care of all the details for you.

What Home Loan Services Do We Offer?

• First Home Buyer Loans
• Investment Loans
• Overseas Income Loans
• Refinancing
• Construction Loans

What Home Loan Products Are Available?

• We work with over 40 banks and institutions to help you structure your loan and secure the best deal.
• We offer flexible interest rates.
• Home loan LVR (Loan-to-Value Ratio) can be as high as 97%.
• 100% LVR available for investment property loans.
• Professionals like doctors, accountants, and solicitors can access up to 90% LVR without paying Lenders Mortgage Insurance (LMI).
• 85% LVR available for non-professionals.
• We offer waived application fees.

What Do You Need to Prepare for Your Home Loan?

Conditional Approval
We recommend obtaining conditional approval from a lender before purchasing a property to avoid the risk of loan denial.

Valuation Report
Understanding your property’s value from the bank’s perspective helps you know the maximum loan amount you can borrow before applying for your home loan.

Credit Report
Check your credit score. Click here for a free individual credit report.

Assessing Your Financial Health
We can evaluate your current home loan health. You might be paying more than necessary on your mortgage. Current promotions from other banks could save you thousands, and your property’s value might have increased, allowing for an equity loan. This equity can be used for renovations, investing in shares, or purchasing another property.

It’s common for borrowers to switch banks every 3 to 4 years to save on interest payments. We strongly recommend that clients contact us every 2 to 3 years to stay updated on market trends and ensure their interest payments remain competitive.