Home Loans
Get into your first home, next home or dream home sooner with a range of Home Loan options. Get help from an experienced Finance and Mortgage Broker at Coco Finance Broking today!

Rated 5 from 20 Reviews
Rated 5 from 20 Reviews
At Coco Finance Broking, we understand that buying a home is a significant milestone in anyone's life. Whether you're a first-time buyer or looking to invest further, our team offers personalised assistance to access Home Loan options from banks and lenders across Australia. We are committed to guiding you through the process, ensuring that you make informed choices about interest rates, loan amounts, and other crucial factors. Our services cater to clients on the Central Coast and throughout Australia, providing a comprehensive approach to help you achieve your property goals.
When considering Home Loan options, it is important to assess your financial situation thoroughly. This includes understanding your borrowing capacity and the impact of your credit history on the application process. At Coco Finance Broking, we assist you in evaluating various factors such as your loan to value ratio (LVR) and the associated lenders mortgage insurance (LMI), which can affect your overall cost. We help you explore different loan structures, including fixed interest rate home loans and variable home loan rates, to find the best fit for your needs.
Interest rates play a critical role in determining the affordability of a home loan. Our expertise allows us to provide insights into current Home Loan Rates, helping you choose between a fixed interest rate or a variable interest rate based on market trends and your personal preferences. Additionally, we offer guidance on interest rate discounts that may be available, ensuring that you secure the most favourable terms possible. As you apply for a home loan, our streamlined application process simplifies each step, from gathering bank statements to calculating home loan repayments.
The Central Coast property market can present unique challenges and opportunities. Understanding local stamp duty requirements and how these affect your overall budget is essential. We assist in this aspect, ensuring you are well-prepared for all associated costs when buying a home. Furthermore, getting pre-approved for a home loan can be a strategic advantage in this competitive market. A Home Loan pre-approval not only strengthens your bargaining position but also provides clarity on your financial limits, making the purchasing process smoother.
Moreover, an offset account can offer additional flexibility with your home loan by reducing the amount of interest payable over time. This feature allows you to link your savings directly to your loan, effectively lowering the balance on which interest is calculated. At Coco Finance Broking, we provide detailed advice on how this and other features can enhance your financial strategy.
Our commitment is to guide you through applying for a home loan with clarity and confidence. We focus on demystifying complex terms and ensuring that you understand each aspect of your Home Loan application. From assessing your credit history to determining the ideal loan amount, we support you in making decisions that align with your long-term goals.
As you embark on the journey of buying a home, remember that Coco Finance Broking is here to support you every step of the way. We offer tailored Home Loan options that suit your lifestyle and financial situation. Contact us today to discuss how we can help you access Home Loan options from banks and lenders across Australia. Let us be your partner in turning your dream of home ownership into a reality.
Step 1: Discovery Meeting
Your journey begins with a detailed discussion with your Finance & Mortgage Broker. Whether you're buying your first home, expanding your investment portfolio, or refinancing an existing loan, this is the time to outline your goals, financial position, and any unique circumstances. You’ll also start to explore your borrowing power and get an overview of available loan products from a wide range of banks and lenders across Australia. Your broker will explain key terms like interest rates, loan-to-value ratio (LVR), and lenders mortgage insurance (LMI) if it applies.
Step 2: Financial Assessment
Your broker will carry out a full financial health check, looking at your income, expenses, savings, debts, and credit history. This assessment helps determine how much you can borrow and what your repayment commitments will look like. Your broker will also identify any eligibility for special rates or government initiatives, such as the First Home Owner Grant or stamp duty concessions.
Step 3: Tailored Loan Options
Using your financial profile, your broker will shortlist suitable loan options from various lenders. Whether you're after a fixed, variable, or flexible loan with features like offset accounts or redraw facilities, your broker will help you compare and understand each product. They'll also walk you through the pros and cons, ensuring you feel confident and well-informed when making your choice.
Step 4: Pre-Approval
Securing pre-approval gives you a clear budget and shows sellers you’re a serious buyer. Your broker will assist in preparing and submitting the required documents—such as payslips, tax returns, and bank statements—helping ensure your pre-approval is processed smoothly. With this in hand, you'll be ready to make offers and act quickly when the right property comes along.
Step 5: Submitting the Application
Once you’ve selected your preferred loan, your broker will handle the full application process on your behalf. They’ll lodge the application with the lender and provide any additional supporting documents as required. Your broker will also stay in close contact with the lender to answer questions and ensure everything stays on track.
Step 6: Approval & Settlement
After your loan is formally approved, your broker will help you review the loan contract, going over the details like interest rates, fees, and repayment terms. They'll also help organise your loan repayments and any relevant insurances. Once settlement takes place, your property purchase is complete and you officially take ownership.
Step 7: Ongoing Guidance
Even after settlement, your broker remains a key resource. They can assist with reviewing your loan over time, refinancing when needed, or helping you leverage your equity for future purchases. Your relationship with your broker doesn’t end at settlement—they’re there to support your long-term property goals.
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Phil
This is the second time I’ve used Coco Finance for refinancing. The process is simple, everything was explained clearly and Cam kept us informed throughout the process. We ended up with a great rate and a product with the features we wanted, I’m sure I’ll be using Cam and the team in the future.
JG
Julianna Geffroy
I highly recommemd Coco Finance Broking! From the very first conversation, Cameron was professional, approachable, and incredibly knowledgeable. He took the time to understand our financial goals and patiently walked us through every step ...
SS
Samantha Sahni
I don't even know where to start in providing my review of Coco Finance. Our new home build was not going as planned and we had been through a few brokers who couldn't help us before we heard of Cameron. He wasn't put off by the challenge ...
We sure do. Many people think our job ends when the loan settles—but that’s just the start. Our team reviews your loan yearly, to make sure it still suits your needs and remains sharp in the market. We also know which lenders are open to re-pricing, and we make that happen where possible.
Of course! We believe that we can find the best interest rate or structure for you to refinance to, whether it's a Home Loan or Investment Loan.
We do have access to detailed property reports and suburbs reports which can help you make informed decisions. Contact us today for a free report!
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans, Commercial, SMSF and much more. If you're looking to borrow to buy, increase or get a more suitable loan, we can probably help.
Wondering whether to go with a mortgage broker or straight to a bank? It’s important to know that banks only offer their own products, so they won’t point you towards a more suitable loan. As mortgage brokers, we have access to a broad range of loan options—far more than any single lender can offer. That means we do all the legwork to find the right solution for your needs. We handle the research and negotiations, so you don’t have to. Plus, we provide annual reviews to help ensure your loan remains competitive, even if interest rates change down the track.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. Contact us early in the process so we can discuss savings goals and help dispel myths! We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.