Enigma Financial Planning: Your Local Mortgage Broker Wollongong

If you are considering a mortgage for your home or investment property, we at Enigma are here to help. 


We understand the various factors that go into deciding on the best mortgage solution for you, as well as how to make the process easier. From talking about an initial plan of action to assessing your financial situation and goals, we're here to guide you through it all. 

Enigma Financial Planning and Our Team of Experts

We take pride in striving to provide Wollongong with the best advice, service, and solutions for your home loan. First-time home owner assistance and grants, help with buying investment properties, and help with refinancing your mortgage are just some of the products we offer.

Our mortgage brokers are all fully-qualified professionals who have completed their Certificate IV in Finance and Mortgage Broking. Our brokers' expertise spans the entire spectrum of financial services, which gives them a detailed knowledge of various facets of finance that can be used to benefit each customer individually.



At Enigma Financial Planning, we believe that good communication is the key to giving our clients great service, so we always keep our lines of communication clear at all times.

Home Loans Wollongong

Benefits of Using a Mortgage Broker

A mortgage broker is a qualified professional who can guide you through the complex world of mortgages. Mortgage brokers have access to lenders, giving them the power to find the best possible rates and terms for your needs. 


They can also help you with upfront costs like application fees and credit check charges. A mortgage broker can also help you understand things like how much equity you’ll need for a down payment on your home or investment property.


So, why use a mortgage broker? It's a lot easier when you have someone who knows what they're doing guiding you through the process. 



They can answer any questions you may have along the way, as well as provide advice on topics such as comparing interest rates and determining how much house you can afford.This makes it easy for consumers to make decisions about which type of mortgage will best suit their needs.

Mortgage Application Process

When you're entering the process of applying for a home loan, it's important to know that there are always options available to suit individual needs. You may find yourself asking questions like:

  • What type of loan do you want?
  • What are your current financial obligations?
  • What is your credit score?
  • Do you have any other assets?
  • Do you have any down payments saved up?
  • What's the difference between variable and fixed rate mortgages?
  • How does refinancing work?
  • Why would I want to consolidate my debts?

The team at Enigma Financial Planning will help answer these questions, as well as discuss how your financial situation can be improved and what home loan solution is right for you. We have very competitive rates that are tailored to your needs. 



We know that everyone has different goals when it comes to where they want their money to go, and with our help, we'll look into all the options that are available to you.

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Tips on How to Save Money on Your Mortgage

If you're considering a mortgage for your home or investment property, it's important to understand the various factors that go into deciding on the best mortgage solution for you. Here are some tips for how to save money on your mortgage:

Get pre-approved

If you have your financing in place before you start looking at homes, you'll be able to narrow down your options to only those within your budget.

Be realistic about financing

Don't forget to consider how much of a down payment you can realistically afford and what kind of interest rate will work with your budget.

Get professional advice

Contact us at Enigma and we’ll be happy to talk through the various options available to you, as well as help assess which one is best for you.

How Enigma Financial Planning Can Help You Find The Best Home Loan For Your Needs

Information about your possible options

Provide detailed information about the many home loan products in the market so that you can get a better understanding of each, including their advantages and disadvantages.

Access to a long list of lenders

Benefit from our access to the loan products of many different lenders with some of the best rates and lowest fees you’ll find in the market.

Tailored advice

Match you with a lender that offers the best deal for your situation and explain why they’re the best for you.

Assistance from start to finish

 Full assistance throughout the home loan application process so you won’t have to do the tedious and boring tasks such as filling out the forms and engaging with the lenders.

Frequently Asked Questions

  • Is it worth getting a mortgage broker?

    A mortgage broker is someone who helps people get mortgages. A mortgage broker will take into account your personal requirements and what you can afford to spend on a home or investment property. They will then match you with the best product for your needs.


    We all have different needs when it comes to getting a mortgage, so it's important to consider which type of mortgage will work best for you.


    Letting a mortgage broker help you means that they'll be able to talk about the various aspects of purchasing property, such as getting pre-approved and rates. If you're buying an investment property, we can also help by talking about how zoning may affect your options.


    Enigma is your local mortgage broker in Wollongong and we want to help!

  • Do mortgage brokers offer better rates than banks?

    One common misconception is that mortgage brokers offer better rates than banks.


    However, the truth is that mortgage brokers are not able to offer better rates due to agreements with lenders. Instead of offering a lower rate, mortgage brokers can help you find the loan program that best suits your needs and financial capabilities.


    This is because most people don’t know exactly what their options are when it comes to financing a property. Mortgage brokers can help you better understand your options and make the process smoother for you.


    So, it’s never too late to start looking into your options for mortgages!

  • Why use a mortgage broker over a bank?

    When you contact a bank, you might be offered a loan with a rate much higher than what you were expecting. A mortgage broker will help you get the best possible deal on your home loan.


    A bank might offer a lower interest rate but charge you with higher fees or commissions that can impact your monthly repayments. A mortgage broker doesn't charge any fees up front and can help you find a deal that fits your budget.

If you would like to know more about how we can help you with finding and applying for a suitable home loan please get in touch.