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Refinancing

You may have had your home loan for years – but is it still the best option for you?

A lot can change in a few years. You’d be amazed how much you can save by making a simple switch – and, your Life Sherpa is there to make the process easy peasy.

What you do with the savings is up to you: reduce your payments, giving you more to spend, keep your payments the same and pay off your loan faster, borrow more to pay off your credit or pay for that renovation you’ve always wanted.

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First Home Buyer

Buying a property is a big deal – and it’s especially stressful if you’re unfamiliar with the process. Life Sherpa makes the whole experience so much easier, and relieves the stress of buying your first home or upsizing to a bigger place.

Not only do we explain the mortgage process in easy-to-understand terms, we give you a heads up about important things such as stamp duty, application fees and mortgage insurance. This means that there will be no nasty surprises for you, and you can feel confident from start to finish.

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Renovating

Perhaps your plans include a new kitchen, new bathroom, house extension or just a bit of DIY? No matter how big or small your project, you may need to borrow money to pay for it.

Your Life Sherpa can help turn your dreams into reality.

A better home loan rate could mean that you can fund your renovation without increasing your monthly payments.

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Upgrading

You’ve probably got a bit more money now and you're ready to move up. You may need more space for kids. Whatever the reason, one thing you didn’t have to think about first time round is dealing with the house you have, in order to buy the house you want.

Your Life Sherpa can help you get the loan you need as well as helping with bridging finance and deposit bonds.

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Investing

Ready to invest? Use the equity in your home to buy an investment property or even to build a property portfolio. Your Life Sherpa can show you how to do this safely. You may not need any cash.

Or maybe you can't afford to buy where you live? Then Rentvesting means you can enjoy your favourite suburb and still get a foothold in the property market. Rent where you want to live and buy where you can afford. Your Life Sherpa can show you how.

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Debt Consolidation

If you have debts such as credit cards, store cards and other loans, you could benefit from consolidating them into one loan. This means fewer payments, reduced fees and more sleep.

Save by accessing the lower interest rates on home loans compared to credit cards and get debt free faster.

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Why Life Sherpa?

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We don’t push products, we provide advice

We don’t push products, we provide advice

This is key - after all, if someone doesn’t understand the ins and outs of your exact situation, how can they know what’s best for you? We take the time to get to know you, and only act in your best interest.

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We’re privately owned

We’re privately owned

Life Sherpa isn’t aligned with any banks – so, unlike many mortgage brokers, we’re free to look at hundreds of different loan options, and to recommend the right one specifically for you.

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We’re by your side from start to finish

We’re by your side from start to finish

From your initial application, right through to settlement and beyond, your Life Sherpa will guide and support you every step of the way.

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Cash back when you need it most

Cash back when you need it most

Most providers pay a commission when you settle on a loan product. Unlike most brokers, we pass any upfront or trailing commissions to you, less our fixed management fee. After all, it’s your bonus, so it should come back to you!

Here’s how it works

Step 01

Consultation

You’ll have a chat with your Life Sherpa, who will ask some questions about your life, goals, and current financial situation. They’ll explain the mortgage process, and give you a realistic picture of what you can borrow – and they’ll also let you know if you are eligible for government incentives like the First Home Owners Grant.

Step 02

Application

Your Life Sherpa will find the right loan for you (selecting from our panel of over 30 lenders). They’ll then help you organise pre-approval (which lasts six months) – this means you can go ahead and bid, or make an offer with confidence.

Step 03

Approval

Your offer on a home has been accepted, you’ve paid your deposit, and you’re ready to move ahead. Now, your Life Sherpa prepares the paperwork to get your loan approved. This typically takes around 6 weeks, during which time they’ll keep you informed every step of the way.

Step 04

Settlement

When it's time to settle on your home, the lender will prepare the loan documentation for you to sign and return. Your Life Sherpa will guide you through every step of the settlement process.

Step 05

Enjoy life

Your solicitor arranges settlement, and you get the keys. Now sit back and enjoy! If you’re eligible for a commission cash back, it will be paid into your nominated bank account every month. Happy days!

Any questions?

We’ve answered some of the questions you might have in our FAQs.

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Ready to get out of debt (without putting your life on hold)?

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