Introduce a friend, colleague or family member and receive a $500 gift card.
It only takes 3 simple steps.
You realise a friend or family member could benefit from our help with a new loan or to refinance their existing one.
You ask for their permission and enter their details for us to reach out.
Once the loan is settled, we'll send you a $500 gift card.
Terms & conditions apply, see below for details.
Rachel Pedergnana
The whole team at Margin helped us through the whole process to get our new home. Thank you so much.
Ruth Clayton
Andrew Bird was my mortgage broker for my first home. I would highly recommend him- very kind, professional, helpful, informative and put my mind at ease. He also spoke with the agent I was buying the house from, which helped to get me across the line on the purchase! AND he pushed through a quick settlement to help me get the house. I definitely felt he had it all under control and I didn’t need to worry. Thank you Andrew for all your help, liaising with the agent and answering all my questions on my journey to buying my home. I wouldn’t hesitate to use you again for my next place!
Deanne Rowland
Damian and Andrew were outstanding in their knowledge and support of our mortgage application. Everything was explained and we had such a great outcome. Thanks guys!
Mark Jones
The team was great to work with. The knowledge on hand was instrumental in the development and submission of the loan papers. Highly recommend Margin Finance.
Paula Britz
The Margin Finance team have gone the extra mile for me during this stressful life transition. They made use of all avenues to ensure I was able to smoothly transition, with timely updates and communication and keeping my best interests front and centre. Truly grateful and appreciative. Thank you all
Jane Bajada
Damian and the team at Margin Finance are exceptional. The smooth transition of refinancing and timeframe to settlement couldn’t have happened without the professionalism of team very happy customer and would recommend them to anyone. A job well done
Eligibility for the $500 gift card is based on this criteria
A successful referral is achieved once the loan has settled with the lender.
Minimum loan size - $500,000
Loan must be settled within 12 months from the date referral was received
This referral program begins on 1st June 2025.
$500 you receive will be in the form of a gift card only and will be sent digitally via your choice of sms or e-mail within 3 business days after home loan has settled.
A Mortgage Broker is a professional who acts as a middleman between borrowers seeking a mortgage loan and the financial institutions providing these loans. They help you find the right mortgage loan from various lenders, offer personalised guidance, and negotiate favourable terms. Mortgage brokers simplify the application process, have access to multiple lenders, and can save you time and effort.
Our services are free. You don’t pay us. The bank or lender does at no cost at all to you. Mortgage Brokers are paid an upfront commission and a trail payment. The upfront commission is a one off payment that is paid to us by the lender/bank we refer your loan to (usually between 0.65% to 0.7%) as we do all of the legwork to get your loan approved. A ‘trail’ or ongoing commission is also paid by the lender to us which is an ongoing commission (usually around 0.15% p.a.) based on the balance of your loan. There may be occasions where you may be charged a fee by your broker. Terms, conditions and normal lending criteria apply. This generally occurs if we are dealing with a complex file that will require well above the standard amount of time to complete the file. If Margin Finance believes a fee will need to be charged, this will always be communicated to you before proceeding.
When you visit a bank directly, they will only be able to sell you a loan or product that they have. When you visit a mortgage specialist like Margin Finance, we find you the perfect loan out of 40 different lenders. You may believe that a certain bank is right for you, but how do you know that if a mortgage specialist has not assessed you?
The main documents you will need to provide to get a home loan are:
- Proof of identification: passport, driver’s licence, birth certificate
- Income: recent payslips, tax returns
- Expenses: a detailed list of your monthly expenses from subscriptions to petrol costs
- Assets: ownership details for other properties, cars, savings
- Liabilities: statements for any existing debts
When dealing with us, we will inform you specifically of all of the information we need to work on your mortgage.
Your borrowing capacity is an important number and can differ a lot between banks. You can use our borrowing power calculator here which will only give you a rough estimate of your borrowing borrow. You should always speak with a Mortgage Specialist to discover how much 45 lenders will lend you. The factors that determine your borrowing power are:
- Income
- Expenses
- Debts
- Dependents
- Purchasing costs
- Savings and Equity
At Margin Finance, we encourage you to speak to us even before you are ready to buy a property. Speaking with a mortgage specialist will allow you to understand your borrowing capacity and your likelihood of being approved. If you want to buy a property in 6-12 months, speaking with a broker now can help you identify your position and if your situation aligns with your goals. We help clients at all different stages of their journey. If you are unsure when you should be coming to see us, simply ask. You have nothing to lose, and so much to gain, by contacting a broker. Our services are free and we are full of information to pass onto you.
MY OPTION LOANS PTY LTD AS TRUSTEE FOR MACADA FAMILY TRUST ABN: 19 385 994 864. Credit Representative #445563 is authorised under Australian Credit License #391237
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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