Residential Mortgages

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Residential Mortgages

Residential mortgage services in Australia provide financing for homebuyers and investors, with flexible loan types (fixed, variable, interest-only), long tenures up to 30 years, and government-backed schemes like the First Home Owner Grant and First Home Loan Deposit Scheme to support affordability.

Key Features of Residential Mortgages in Australia

  • Loan Types:
    • Variable-rate loans: Interest fluctuates with market rates.
    • Fixed-rate loans: Lock in a rate (typically 1–5 years).
    • Split loans: Combine fixed and variable portions.
    • Interest-only loans: Pay only interest for a set period, common for investors.
  • Tenure: Up to 30 years, with flexible repayment schedules.
  • No deposit borrowing through guarantor security

The CFS proven straight forward process gives you certainty and knowledge so you know what to expect and when throughout the application process and beyond. Our team work with you now to understand whats ahead, we are with you for life.

Frequently Asked Questions

— Coast Financial Solutions —
  • I'm a first home buyer — where do I start?

    Start with a consultation. We'll look at your income, savings, deposit, and goals, explain the loan options available to you (including any first home buyer schemes or grants you may be eligible for), and shortlist lenders that suit your situation.

  • I'm looking to upsize or downsize — can you help?

    Yes. Whether you're moving to a bigger family home or scaling back, we compare lenders to find a loan structure that fits your next move, including how to manage timing between selling and buying.

  • How many lenders do you compare?

    We compare over 50 lenders, so you're not limited to what one bank can offer.

  • How long does the loan process usually take?

    Timeframes vary depending on the lender and your circumstances, but our process is designed to be efficient: we prepare your application to align with the lender's policy upfront, which helps avoid delays and back-and-forth.

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