FastLaneTax

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  • 1300 356 000
Get a Quote

Melbourne CBD Mortgage Specialist

Innovative and Trustworthy Mortgage Broking Services

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Let us do the hard work for you

Securing the right mortgage is crucial, whether you’re expanding your investment property portfolio or buying your first home. Our expert mortgage brokers will assess your financial situation and find the best mortgage rates for your new property.

With our streamlined process, you can get the keys to your dream property faster. Skip the hassle of juggling appointments and negotiating with banks—our mortgage brokers will handle everything for you.

Combining tax expertise with property investment knowledge, Fastlane provides a cross-discipline approach. This means our mortgage brokers will deliver a mortgage that’s ATO-optimised with excellent features and a competitive rate, saving you thousands over the life of your loan.

Mortgage Broker

How can we help?

ATO-Friendly Investment Loans

At FastLane Tax & Accounting Services, we’re mortgage experts who align your investment loans with ATO requirements. Minimize your tax expenses and maximize your return on investment with our tax-savvy mortgage solutions.

Fast tracked service

Skip the wait and resolve your mortgage issues swiftly with FastLane Tax & Accounting Services’ strong relationships with banks. We act as your knowledgeable mortgage intermediary, managing negotiations with banks on your behalf to ensure your mortgage gets processed quickly.

The best rate

Access exclusive wholesale mortgage rates with FastLane Tax & Accounting Services’ expert mortgage brokers. Our knowledgeable brokers secure the best rates for you, so you can invest with confidence, knowing you have a top-notch mortgage rate and features.

Our mortgage broking services

Own your dream property sooner with FastLane’s streamlined mortgage broking.

First home buyers

Confidently Step onto the Property Ladder

There are few life events as thrilling and nerve-wracking as purchasing your very first home. From budgeting and deposits to stamp duty and insurance, there are so many factors to consider that it’s easy to get lost in what feels like a wilderness of paperwork and life-altering decisions. At FastLane, we’re here to help with those decisions and guide you through the process unscathed.

  • Get the best mortgage rate
  • ATO-friendly loans
  • More cash in your pocket

Buying your first home should be exciting, and it’s our job to keep it that way. We’ll be your go-between with the bank, liaising with them to get you the best possible mortgage rates so you can focus on the things that matter.

Thanks to our extensive tax background, we know how to supercharge your mortgage and keep more money in your pocket. We’ll make sure you’re paying the right rate on your loan and leave you with more cash to invest in renovating or furnishing your home.

We’ve helped people across Australia get the best mortgage rate, and we can help you too. We’ll assist you in taking advantage of first home buyer grants and concessions in your state and get you inside your brand new home sooner.

Property investment

Build Wealth and Security with an Investment Property Portfolio

Expert Property Investment Loans for Optimal Returns

From negative gearing to capital gains tax, we excel in every aspect of property investment. Securing the right loan is crucial for maximizing your returns, and it involves more than just interest rates. We’ll consider tax implications, cash flow, and loan features to ensure you get the best mortgage for your investment property.

  • Get the right property investment loan
  • Minimize your capital gains tax expenses
  • Use your debt to invest

Property investment is a solid way to build wealth and security. Whether through rental income or capital gains, the value of your investment depends significantly on your mortgage.

With our extensive experience, we help clients make informed investment decisions. Whether you need an interest-only or principal and interest loan, we provide tailored advice to get you the best investment mortgage. We can also guide you in managing multiple loans effectively.

Ready to start or expand your property investment journey? We can make it happen.

Refinancing

Save Thousands with Expert Mortgage Refinancing

Save Thousands with Expert Refinancing

Over the life of your loan, even a 0.5% higher rate can cost you tens of thousands of dollars. If you’re not happy with your current rate or think you can do better, reach out to us. Our expert mortgage brokers can refinance your loan and enhance its value significantly.

  • Get a better value loan
  • Keep more cash in your pocket
  • Save thousands over the life of your loan

Are you certain you’re getting the best deal from your current mortgage? If not, it’s time to talk to our mortgage experts. We’ll handle all the work to find a better loan for you, potentially saving you thousands.

Our brokers have access to exclusive wholesale mortgage rates. Don’t overlook how even a 1% or 0.5% difference can impact your mortgage over time. We assist with refinancing for various needs, including debt consolidation, unlocking equity, paying off loans sooner, and most commonly, reducing overall loan costs.

Contact us today for a free initial consultation to discover how much we can save you with our refinancing services.

Commercial property

Make Smarter Investments for Your Business

Whether you’re investing in office space, a factory, warehouse, retail space, café, vineyard, gym, or any other business venture, we can secure a great deal that makes achieving your goals easier.

  • Loans for business owners and investors
  • Detailed, personalized, and easy-to-understand advice
  • Smart, tailored loan structuring

Commercial loans often come with higher interest rates, shorter terms, and larger deposits due to their increased risk compared to residential mortgages. They also involve added complexities such as payment restrictions, penalties, and specific term requirements.

Our expert mortgage brokers are well-versed in these complexities and can navigate them to secure the best commercial mortgage rate for you. We’ll handle all the comparison shopping and present you with a selection of high-value commercial loan options tailored to your business needs.

Frequently asked questions

Typically we recommend having a deposit of at least 20% of your property price, (deposits under this mark usually incur Lenders Mortgage Insurance costs of up to 4% of the property price) however, there are ways around this:

  1. First Home Loan Deposit Scheme (FHLDS) — under this scheme eligible first home buyers can build or purchase their home with a deposit of as little as 5% thanks to the National Housing Finance and Investment Corporation (NHFIC) guaranteeing up to 15% of the property’s value.
  2. Family Security Guarantee — a family member can act as a guarantor to secure your deposit, making up the remaining balance to get you to 20%. They don’t need to hand over any money, just put up cash or equity as security against your deposit.

Generally, we don’t recommend borrowing any more than 80% of the price of your property. If you borrow over the 80% mark you’ll be required to pay Lenders Mortgage Insurance (LMI).

There are several different types of property loans including:

  • Fixed-rate — Fixed-rate home loans allow you to lock in your current interest rate when you settle the loan.
  • Variable — Variable home loan rates fluctuate based on the Reserve Bank of Australia’s cash rate.
  • Interest-only — Interest-only loans require you to only pay the interest and no capital on the loan. They typically have a limited loan term of no more than 5 years.
  • Split rate loans — A split rate loan combines both fixed and variable portions of the loan.
  • Low doc — Low doc loans are for those who might struggle to provide sufficient paperwork to support a traditional loan (such as self-employed people).

Mortgage broking is a commission-based industry, with banks paying the mortgage broker. Our mortgage broking costs also include…

Coming soon

Lenders Mortgage Insurance (LMI) is a fee paid by borrowers when borrowing more than 80% of the purchase price of a property. This insurance is to protect the lender if the borrower is unable to pay the loan. This fee can either be paid upfront or if the lender allows it, be added to your loan. LMI ranges from $800 up to around 4% of the loan amount.

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