Get the BEST deal on YOUR loan today.

Just because the bank said NO, doesn’t mean I cant find you a YES!

Testimonials.

  • Bojana C.

    Phenomenal service. Carmine got us the best possible outcome and exceeded our expectations. The whole process was quick because he did not miss a beat. I can get rather anxious (and impatient) but I could rely on Carmine to answer all my questions and answer all my calls promptly. Very professional and I highly recommend.

  • Mark F.

    We recently refinanced my home in Adelaide and purchased 2 properties in Port Lincoln, South Australia. What I thought would be a simple process quickly became a complicated transaction involving multiple real estate agents, vendors, conveyancers, etc. It literally went down to the wire getting all the i's dotted and all the t's crossed! Tony, Carmine, Mandy & Michelle from Loan Market were brilliant! Super professional agency that helped me get the result I was hoping for. I could not be happier with them! Thank you so much for going above and beyond and I have no hesitation recommending their professional service.
    5 Stars! *****

  • Tom S.

    Great experience setting up home loan with Carmine, even arranged a catchup meeting outside of the office to discuss loan options. Very prompt dealing with enquiries.

  • Smilja N.

    It was a pleasure to deal with Carmine, he was professional and the process went smoothly with clear communication throughout. I highly recommend Carmine Alvaro.

  • Kosta K.

    Carmine provided exceptional service throughout our loan process. He was prompt, professional, and displayed a high level of knowledge. Carmine understood our needs and worked hard to achieve our desired result in a timely manner. Highly recommend his services to anyone seeking reliable and effective loan assistance.

  • Mickey N.

    Carmine and team are great at what they do.

  • Isobel M.

    Carmine was fantastic and guided us through every stage of finding our dream home/ensuring we were in a good position to service the mortgage.
    He was always available by phone or text with quick responses to any of our questions and has continued to check in with us since the purchase of our home. Highly recommended Carmine and we are so grateful for his guidance and above and beyond help!

FAQ’S

  • The short answer is no you do not!
    Gone are the days where you needed a 20% deposit to get into the market.

    In today’s day and age with property prices at an all time high, lenders have been less restrictive on requirements for deposit size. While it is always beneficial to have a higher deposit size and lower your lending limits, some lenders only require a 2% deposit for the property plus government fees.

    As long as your income can support the higher lending, and you are aware you will be paying higher fees and interest rates, then you can get into your next home with a minimal deposit with no issues

  • Having a high asset position and equity in your properties does not mean you can get further funding just because of your position.

    Any further lending will be subject to your income being able to support the repayments of the new loan, as well as your other obligations.

    For example if you have $1,000,000 cash in the bank but you are only earning $45,000 a year in income, the lenders will assess their funding based on your income and not your cash in hand.

  • Having a low credit score does not mean you can’t get a loan.

    There are always options for low credit score clients, and it is our job as your broker to find you the best deal.

    There are many lenders that dont take into account your credit score, as long as we have an explanation for missed payments or arrears, the lenders are still happy to deal with you.