Josiah Salazar
I first met Damien when I was looking to secure a loan for my very first property. At the time, I also sought a second opinion and ended up going with a different broker, based on the promises they made. Unfortunately, that turned out to be a costly mistake. they significantly under delivered, securing me an approval that was $150,000 less than what they had originally promised. It was a tough lesson. In contrast, Damien was upfront and honest from the beginning. He set realistic expectations and told me what I needed to hear, not just what I wanted to hear. A rare quality in this industry. So when it came time to work with a broker again, I didn’t even consider going elsewhere. I went straight to Damien. And to say that he delivered is a huge understatement. From day one, everything was set up properly. The service was outstanding, communication was consistent, and the support from his team was second to none. I truly believe that Margin Finance is the best in the country, and I wouldn’t hesitate to recommend Damien and his team to anyone.
Chelsea Josh Admin
Couldn't recommend them more. We spent over a year looking for a property, and Andrew was with us every step of the way. As a first time buyer I had a lot of questions as the whole process was new to me, and was always met with clear explanation and re-assurance.
Chelsea Smith
We’ve worked with Margin Finance for our home loan, refinancing, and most recently, an investment property — and every time, the experience has been outstanding. The team is professional, knowledgeable, and genuinely committed to getting the best outcome. They made the entire process smooth and stress-free, always keeping us informed and supported. We couldn’t recommend them more highly. Thank you for helping us build our future with confidence! Thanks to Damian and the team!
Rickey Watts
Damian, Andrew and Simran have been so helpful, supportive and responsive. We are first home buyers full of jitters, and questions. Nothing we asked was too much trouble/silly and communication has been fantastic from the get go through to post settlement. The followup has also been really great and the personal congratulations call post settlement was genuine. Looking forward to having a chat in 6 months for the review. Thanks guys truly impressive. Don't go changing!
Nathan Traynor
We recently refinanced through Margin Finance and couldn’t be happier with the experience. The entire process was seamless from start to finish. Damian and the team took the time to understand our personal needs and future goals, tailoring finance options that were the perfect fit for us. Their professionalism and attention to detail made the whole journey stress-free. We highly recommend Margin Finance to anyone looking for expert guidance and outstanding service.
Glenn Slobodzian
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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