5.0 from 7 Reviews
If you live in Ashmore and you are looking for help with a home loan, investment loan, or refinancing a loan, digilend is here to make the whole process a lot more manageable. Ashmore is a well-established suburb sitting right in the heart of the Gold Coast, and the local property market here continues to attract buyers, investors, and homeowners who are looking to make the most of what the area has to offer. Whether you are buying your first home, growing a property portfolio, or simply wondering if your current loan is still working for you, digilend can help you work through your options.
One of the most important things to understand when you are looking at a home loan is that there is no single product that suits everyone. At digilend, we take the time to understand your situation before recommending anything. We work with a wide panel of lenders, which means we can compare mortgage rates, loan features, and loan amounts across a range of products to find something that fits your needs.
For buyers in Ashmore, some of the key decisions you will face include whether to go with a fixed interest rate loan or a variable interest rate loan, and whether a split rate loan might give you a balance of both. A fixed rate gives you certainty over your repayments for a set period, while a variable rate can move up or down with the market. A split rate loan lets you divide your borrowing between the two, which some borrowers find useful for managing their budget.
You will also need to think about loan features like an offset account, which can help reduce the interest you pay over time, or a redraw facility, which lets you access any extra repayments you have made. These features can make a real difference to the total cost of your loan, and digilend can walk you through how they work in plain language.
If you already own a property in Ashmore and you have not reviewed your loan recently, it might be worth taking a closer look. A home loan health check is a straightforward way to see whether your current loan still stacks up against what is available in the market today. Mortgage rates and lender policies change regularly, and what was a solid deal a few years ago may not be the most suitable option for you now.
Refinancing a loan is something many Ashmore homeowners consider when they want to access better rates, unlock home equity, or adjust their loan structure. digilend can help you understand your loan to value ratio (LVR), which plays a big role in what options are available to you when refinancing. If you have built up equity in your property, you may be in a strong position to explore your choices.
Ashmore is also a popular location for property investors, and digilend has experience helping clients structure investment loans in a way that suits their goals. Whether you are buying an investment property for the first time or adding to an existing portfolio, there are a number of loan types to consider. An interest only loan is commonly used by investors who want to keep their repayments lower in the short term, while a principal and interest loan means you are paying down the loan balance from the start.
For investors, understanding the comparison rate alongside the advertised interest rate is important, because the comparison rate factors in fees and charges that can affect the true cost of borrowing. digilend will explain the difference clearly so you can make an informed decision.
For first home buyers in Ashmore, the process of getting a home loan can feel like a lot to take in. digilend is here to help you understand things like loan pre-approval, which gives you a clearer picture of your borrowing capacity before you start making offers. We can also explain costs like stamp duty and Lenders Mortgage Insurance (LMI), which applies when your deposit is below a certain threshold and can add to the overall cost of purchasing.
Having conditional approval in place before you go to auction or make an offer puts you in a much stronger position, and digilend can help you get there. We save time by managing the paperwork and lender communication on your behalf, so you can focus on finding the right property in Ashmore rather than getting bogged down in the details.
Whether you are in Ashmore or a nearby suburb like Southport, Robina, or Bundall, digilend is ready to help you find a loan that suits your situation. Reach out today and let us get started.
Everything starts with a conversation. Reach out to us online, by phone, or by email. There is no pressure and no obligation. We just want to understand what you are trying to achieve, whether that is buying your first home, refinancing, or securing finance for your next investment.
We take the time to learn about your financial situation, your goals, and your timeline. This helps us build a clear picture of what you need so we can find the right solution for you, not just any solution.
Using our panel of lenders, we search the market to find loan options that suit your needs. We compare rates, fees, features, and lender policies to put together a strategy that works in your best interest.
We present you with our recommended options in plain language. No jargon, no confusion. We walk you through the numbers so you can make a confident and informed decision.
Once you are happy with the direction, we handle the paperwork. We prepare your application, gather the required documents, and make sure everything is in order before it goes to the lender. This helps avoid delays and improves your chances of a smooth approval.
We submit your application and manage the process from our end. We stay in regular contact with the lender and keep you updated every step of the way. If the lender needs anything extra, we handle it quickly so things keep moving.
Once your loan is approved and settled, our job is not done. We check in with you regularly to make sure your loan is still working for you. As your life changes, we are here to review your finance and make sure it keeps up.
At digilend, we believe great finance advice should be straightforward, personal, and built around you.
Mario is genuinely your true saviour. Mario has always been an exceptionally great, honest, respectful, trustworthy, genuine person while doing business with. He offers the available products in the market and explains the pros&cons of various products based on individual circumstances. He always thinks from clients perspective and gets the best deal for them as per their circumstances just like mine . I have dealt with Mario for more than 15 years and he has never let me down no matter what borrowing capacity/product was suitable to my needs at that moment. If you want the truth, no BS just talk to Mario.
Carol
I met Mario through my work practices and noted he was a finance broker. I never had an ongoing personal broker before as I never found a good one to trust. I decided to give him a crack and it was one of the better decisions I’ve made in life. He is down to earth, honest, organised, effective and goes over and above to get the best outcome for us. He even attends auctions, open homes and house calls with us and has become part of our inner sanctum. He even laughs at my jokes. I would highly recommend him to anyone who requires finance and property matters. Chris and Tanya
Christopher Fowke
Highly recommend. Mario and his team were a pleasure to deal with. Mario was very knowledgeable on the most suitable finance for me and he made the process so easy. I've since referred Mario to friends, and will definitely use Digilend again.
Jacqui
Mario helped my wife and I secure a commercial spot for our business, Mario was great to deal with and very professional highly recommended!
Sean Holdinghausen
When you go directly to a bank, you are only seeing what that one lender has to offer. A broker like digilend has access to a panel of lenders, which means we can look across multiple options and present you with a range of possibilities that suit your situation. We also understand the lending criteria of different lenders, which means we can help match you with lenders who are more likely to consider your application based on your circumstances. On top of that, we handle a lot of the communication and paperwork on your behalf, which saves you a significant amount of time and effort. Having someone in your corner who understands the process can make a real difference, especially if your situation is not straightforward.
The documents you need can vary depending on the type of loan and your personal circumstances, but there are some common ones that most lenders will ask for. These typically include proof of identity such as a passport or driver's licence, proof of income like recent payslips or tax returns, bank statements showing your savings and spending, details of any existing debts or liabilities, and information about the property if you have already found one. If you are self-employed, you may need to provide additional documents such as business financials. digilend will give you a clear checklist based on your specific situation so you know exactly what to pull together before we get started. Being prepared upfront can help things move along more smoothly.
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for all sorts of reasons. Some want to access the equity they have built up in their property, others want to consolidate debts, and some simply want to review whether their current loan still suits their needs. It is worth noting that refinancing is not always the right move for everyone, and there can be costs involved such as exit fees or application fees for a new loan. digilend can help you look at your current situation and weigh up whether refinancing could make sense for you. We will give you a clear picture so you can make an informed decision.
Yes, digilend works with self-employed clients regularly. We understand that being your own boss can make the loan application process feel a bit more complicated, because your income might look different on paper compared to someone who receives a regular payslip. Different lenders have different ways of assessing self-employed income, and some are more accommodating than others. We know which lenders are more likely to look favourably at self-employed applicants and what documentation you will typically need to support your application. Things like tax returns, business financials, and bank statements are often part of the picture. We will help you get your paperwork in order and put your best foot forward.
The deposit required can depend on a number of factors including the lender, the type of loan, and your overall financial situation. A deposit of 20% of the property purchase price is often seen as a common benchmark, but there are options available for people with smaller deposits. Some lenders may accept a lower deposit, though this can sometimes mean additional costs such as lenders mortgage insurance. There are also government schemes that may be worth looking into depending on your eligibility. digilend can help you understand what your deposit situation means for your options and what lenders may be willing to consider. We will always give you a clear picture of what is involved.
The timeline can vary quite a bit depending on your situation, the lender involved, and how quickly documents can be gathered and verified. Generally speaking, getting pre-approval can take anywhere from a few days to a couple of weeks, while full approval after you have found a property can take a similar amount of time. Some lenders move quicker than others, and having all your documents ready can help things move along. digilend will keep you updated throughout the process so you always know where things are at. We will also let you know upfront what to expect based on your specific circumstances so you are not left wondering what is happening.
In most cases, digilend is paid a commission by the lender when a loan is settled. This means that in many situations you do not pay us directly for our broking service. However, we believe it is important that you understand exactly how we are paid and any fees that may apply to your situation before we get started. We are required by law to be transparent about our remuneration, and we take that seriously. We will always explain how we are paid as part of our process so there are no surprises. If you have any questions about this at any point, just ask us and we will walk you through it clearly.
digilend can assist with a wide range of lending needs. This includes home loans for people buying a property, refinancing for those who want to review their current loan, investment property loans, car and asset finance, personal loans, and business lending. We work with a broad panel of lenders, which means we can look at options across different loan types rather than being limited to just one product or one bank. Every person's situation is different, so we take the time to understand what you are trying to achieve before we start looking at what might be available to you. If you are not sure whether we can help, just reach out and ask.
Absolutely. digilend works with clients right across the Gold Coast and Greater Brisbane region. Whether you are based in Surfers Paradise, Robina, Palm Beach, Southport, Nerang, Mermaid Waters, Bundall, Merrimac, Ashmore, Clayfield, Windsor, Miami, or anywhere nearby, we are here to help. We understand that people in these areas have different needs and circumstances, and we take the time to understand yours before we do anything else. You do not have to travel far or deal with someone who does not know your local area. digilend is right here in your community and ready to have a chat.
A finance and mortgage broker like digilend works as the go-between for you and a range of lenders. Instead of you having to contact multiple banks or lenders yourself, we do that legwork for you. We look at your situation, figure out what you need, and then search through a panel of lenders to find options that could suit you. We handle a lot of the paperwork, communication, and follow-up so you are not left doing it all on your own. Whether you are buying your first home, refinancing, or looking at a business loan, having a broker in your corner can make the whole process a lot more manageable.
digilend works with clients across Ashmore and the Gold Coast to find home loan and investment loan options that suit their situation. Book an appointment with our team today and let us help you take a closer look at what is possible.
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