FAQ

Your mortgage made easy

The home loan process doesn't have to be confusing. At Urbane Finance, our concierge mortgage experts are here to make it simple and transparent. We are your resource for trustworthy answers and recommendations on all your home lending questions. As your concierge partner, we believe education empowers smart decisions towards homeownership.

Frequently Asked Questions

Why use a mortgage broker?
Our personalised services will save you time and increase your loan options.
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Our concierge team handles the legwork, leveraging lender relationships to find you the best rates and terms.
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Approvals are fast. We provide invaluable guidance, demystifying mortgages to ensure you make wise decisions aligned with your goals.
Let our local experts offer truly personalised service.
How much can I borrow?
The amount you can borrow depends on factors like your income, debts, employment, credit history, and projected mortgage expenses.
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Our experienced team will assess your full financial profile, then consult our extensive lender network to estimate your maximum borrowing power. This allows us to curate mortgage solutions within your means.
What are the different types of mortgages available?
Common mortgage types include principal & interest, interest-only, fixed-rate, variable-rate, and split loans combining these features.
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Our home loan expert concierges will walk you through each structure and term length, evaluating which type best suits your needs for flexibility, tax benefits, portfolio growth, and more based on your unique circumstances.
How much of a deposit do I need?
Most Australian lenders require at least a 20% deposit of the property's value, though some allow as little as 5-10% with Lenders Mortgage Insurance (LMI).
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Our concierge experts will explore your options, outlining required upfront costs and cash-to-close based on your financial standing and desired loan.
How much does a mortgage broker cost?
At Urbane Finance, our concierge mortgage service comes at no cost to you, our valued client.
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As a licensed broker, we receive lender compensation upon your loan's successful settlement.
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We maintain full transparency, openly outlining commissions received.
Our guidance is unbiased, focused solely on curating the perfect mortgage solution aligned with your unique needs and best interests.
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You can trust our Melbourne-based experts to provide an honest, exceptional concierge experience.

We will connect you with the right lender

Your Mortgage Made Easy

Urbane Finance: Your Mortgage Made Easy.

Speak to our experts today for personalised guidance and fast approvals.

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Urbane Finance's mission is making your Australia-wide mortgage journey seamless through our white-glove concierge mortgage broker services.

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Our Contacts

enquiry@urbanefinance.com.au

12/484 St Kilda Rd,
Melbourne VIC 3004

Opening Hours

Mon - Sat: 8 am - 6 pm

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