money Archives | Living Home Loans

How much do I need to get a first home owner loan?

March 20, 2020

If you are in the market or considering getting into the market for your first home, then you are probably a little overwhelmed trying to work out how much you need to get your foot in the door. Now, if you have someone in your family that is happy to be a family guarantor for you, then you are . . .

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How to pay off your wedding for less than a cup of coffee each week

April 7, 2019

We recently helped a young couple (we will name them John and Kate for the sake of this blog) who wanted to get some money out of their home loan to pay for their upcoming wedding. They had gone to their bank, who their home loan was with, and upon applying for a top up on their home loan to be . . .

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Google Rating

5.0

Based on 159 reviews

Living Home Loans

5.0

Kelly Alexander

23:06 19 May 22

Great service and results!

Daniel Alexander

22:44 19 May 22

Andrew, Kirsty and their team go above and beyond to help people get a good deal on finance. Very personal - highly recommend!!!

Kaz Rogers

03:56 13 May 22

Thank you Kirsty, Andrew and your awesome team, I will be forever grateful for the 'walk in the park' you made refinancing my home. When I let Kirsty know I didn't have a Plan B, she pulled out some major stops and made Plan A work. Another 5 stars for letting me know I wasn't alone on this journey. I highly recommend Living Home Loans for their support, approachability and professionalism.

Rory Togo

06:55 09 May 22

Andrew, Kirsty’s and Liah’s dedication and commitment to helping us refinance our home was invaluable. They went above and beyond some difficult hurdles and provided us with an excellent outcome. I wouldn’t hesitate in recommending them and have done so already. They have a compassion as brokers rarely seen to improve the lives of everyday people and provide a service that is both personal and professional.

kim jenkinson

03:21 09 Apr 22

Thank you, Kirsty and the team you have been amazing. Due to personal circumstance I was very stressed and needed to refinance. Kirsty gently guided me through the whole process and I ended up with the perfect loan that suited my situation. I would highly recommend Living Home Loans.

Andrew Grantham

09:36 04 Apr 22

A big thank you to the team at Living Home Loans for helping us on our property journey. We found dealing with them a very pleasant experience and always felt they had our best interests at heart. They are very knowledgeable and trustworthy when it comes to finance advice and the products best suited to our individual needs. Would highly recommended this company to anyone looking at financing a property.

Nicole Schiller

07:16 04 Apr 22

Kirsty & Andrew at Living Home Loans have without a doubt supported me in ways I would have had no idea, of how to navigate. The Team at Living Home Loans are exceptional when it comes to ensuring you achieve the best results regarding home loans, refinancing, putting you in touch with the right leads to buy and sell your home. They simplify everything to make it an easy step by step process. As a busy working single mother I'm lucky to know where my feet are some days. So dealing with Living Home Loans is one great decision I always make when I'm dealing with loans, houses & investments.As a single income earner with 2 teenagers, Kirsty & Andrew have made my property investments not only achievable but also really special.I highly recommend them always.

beth nevill

05:01 04 Apr 22

Kirsty, Liah and the team were so great. We took a while to figure out what we wanted and needed and they were so supportive and helped it all to feel smooth not stressful. Honestly, such a different experience than our last home loan experience, we would definitely use LHL again and now are recommending to friends.

Michelle Hawes

21:25 23 Mar 22

Kirsty and Liah were very friendly, approachable and efficient. I would highly recommend Living Home Loans

David Kuczynski

03:04 07 Mar 22

Couldn’t be happier with the team at Living Home Loans. Andrew, Kristy and Liah have really made the whole experience such a breeze from start to finish. Thanks again guys 😁 Can’t wait to do business again and again.

Choy Hoy

22:12 04 Mar 22

Kirsty did a fantastic job for our refinancing. Always available nothing ever too much trouble. Brilliant

Harriet Madams

02:43 27 Jan 22

Kirsty and the team were extremely knowledgeable, friendly and supportive in the refiance of an investment property. I look forward to working with them again on our next venture.

Ao Anothai

07:01 25 Jan 22

Excellent service will definitely use again and recommend to others! Great communication from start to finish.

Lukas Lauren Stancliffe

02:59 24 Jan 22

When our previous mortgage broker left us in middle of processing building a home, we contacted Kirsty & Andrew to help us. Since the first day, they have been honest with us, very responsive, very clear with every steps and not just that they got us our dream to build a home. We thank them for getting us a loan that we asked for. Highly recommended & will always go through them for any home.

Matthew Johnstone

03:35 24 Dec 21

Kirsty and Andrew are amazing to deal with and helped us realise what we thought at times was an unobtainable dream, I couldn't recommend them more highly!

Nick Burling

00:14 17 Dec 21

Gary was really great to deal with, made the process very easy. 5 stars

Sheridan Mitchell

00:49 06 Dec 21

As a single parent, having lost property in the break up, I was very anxious and embarrassed to be starting over again. Kirsty and Andrew made me feel respected and supported. They reassured me on the many occasions that I had a worry, and encouraged me. They were always friendly and calm. I never felt like they were too busy to talk.I am a very happy and relieved customer.

Chana Warry-Stokes

02:43 03 Dec 21

We did our homework with living home loans before searching for a property and it was super easy! Then began our search which seemed every weekend to go nowhere. Finally we found a place and started the online auction process. We won and unfortunately we didn’t realise it was unconditional after being told we would have a 21 days finance clause. Stressful was an understatement but as soon as I called Kirsty and her team she reassured me that nothing would go wrong we had already done our homework. The calm, personable and professional way were treated was a true blessing especially at that time. There are no grey areas with Living home loans and to be treated with such respect with such a life changing purchase was the icing on the cake. Thank you Chana,Cliff,Indie and Mila xxx

Tahja Jet

09:25 21 Nov 21

Thanks so much for putting the extra effort into a complicated loan application and getting it across the line. Kirsty was fantastic at helping me through the whole process until it was approved. Highly recommended.

Sheree Bonnor

00:24 15 Nov 21

Andrew and Kirsty were so helpful and knowledgeable.They went above and beyond to get me over the line were other brokers could not make it happen. They take the stress out of the whole process. I am so grateful for their commitment and kindness.Highly recommend.

Matt Micallef

01:09 07 Nov 21

A fantastic team that are very knowledgeable and professional. 5 stars!

Brett Barakat

09:47 05 Nov 21

It was an absolute pleasure working with Andrew and Kirsty, and their staff. Incredibly efficient process. Loan approval took place in less than a week. I was chuffed. Living Home Loans are extremely professional, and i always experienced prompt replies to my calls, emails, and SMS’s! :-) as Arnie says: I’ll be back!

Luke Marshall

01:34 03 Nov 21

Simply the best! Andrew and Kirsty helped us get our first property 5 years ago… am now onto my 3rd property and everything always get processed with ease and no stress…Any road blocks are always tackled and dealt with efficiently, will never bother going back to the bank when living home loans have access to them all the lenders..Look no further than these experts!

Jason Harris

00:50 27 Oct 21

Andrew and the team at living home loans are outstanding at what they do.Professional reliable and efficient.The team obviously have customer satisfaction at the top of the agenda with constant communication and not just working for you but with you the whole way.My home loan was not a straight forward loan but for the the team at living home loans nothing was to hard or complicated.Couldn’t be happier with the service and friendly team.Thank you living home loans for everything.

Danielle Saunders

03:09 26 Oct 21

This is the second time we have been back to use Living Home Loans. They are our go to Morgage brokers, always there with helpful advise and able to answer all our questions.We have recommended to friends and family and would do again. Thanks again for the wonderful service Andrew!

SIMON LEE

12:40 25 Oct 21

Great service. Efficient and extremely helpful throughout the whole process. Highly recommend!

TheCove Jervis Bay

07:45 25 Oct 21

Kirsty and Andrew were very professional in handling my loan. They persisted until we got the best deal for our circumstances. I feel confident to keep using Living Home Loans. They are trusted professional people who work with you and care to ensure that you are serviced and achieve the goals you set out. Thank you very much for all your hard work and assistance i appreciate it fully. Kerry C.

RedspadesX

05:48 25 Oct 21

Kirsty and Andrew were great and made the first home buying experience a lot easier by taking out the hassle of contacting multiple banks, we got the best deal we could because of these guys. Highly recommended.

Lynne Kohler

05:21 25 Oct 21

Andrew, Kirsty and team are friendly, warm and personable, and clearly experts in their field. They can translate complexity with clarity and ease with sound advice only a phone call or txt away.

Loretta Davis

07:10 23 Oct 21

My husband and I recently approached Andrew and Kirsty for their assistance in looking at purchasing our first home. We've been long time renters and felt we had a short window of opportunity to get into the market. Andrew was of great assistance working through our current finances and helping us understand our position in the current market. We persisted with searching for a new home and suddenly we were in a 30 day settlement period, before we were even able to move through the pre-approval process! Andrew and the team accelerated their work and were able to provide us with advice and options very quickly, and before we knew it our finance was pending, then approved. Personally, as a first home buyer, I had no idea what to expect of this overwhelming process. What I really appreciated, was feeling that Andrew and his team were definitely considering what was best for us, and our finances, and I felt a great sense of trust in their guidance and the direction we were heading. The communication was really wonderful and I felt we were constantly informed of what stage we were up to and what was next. I'm really glad I found them, and that we used their services. I wouldn't hesitate to recommend Living Home Loans for their professionalism and for a job well done. They truly did the legwork to help us get our first home!

Kim Ring

06:59 18 Oct 21

Garry and his team were amazing, got our loan in a record time (heard many awful stories from others who used banks and other brokers that took many weeks for assessment) - less than 2 weeks. Not only did we receive finance approval quickly, but Garry also managed to get the financier to provide mortgage documents on the same day.Thank you so much Garry.Kim & Paul Ring

Justin Finn

18:13 16 Oct 21

Andrew, Kirsty and the team are highly professional, proactive and committed to providing the best brokerage service available.As this was my first experience i could not have been happier.Thank you so much for all the hard work and dedication you provided for my son and i.Justin

Jarad Gorman

21:53 13 Oct 21

Andrew helped me refinance my property which was an absolute breeze. He also advised me on how we would buy my next property which was very helpful. Will definitely be using living home loans again!

Ally

07:09 08 Oct 21

Very happy with outcome. Thank you.

Clare Lena

02:30 08 Oct 21

My experience with Living Home Loans has been the best decision I have ever made, the team were very professional and at the same time accommodating and helpful especially with my complex issues. I’m so thankful for their advise and highly recommend this business for all lending needs.

David

04:56 07 Oct 21

Andrew and Kirsty have been great to deal with. Always able to help with any questions we had and helped secure the best scenario and outcome moving forward. Highly recommend

Lia McElle

07:55 06 Oct 21

I've been very happy with the support and outcomes from Living Home Loans. Reccomended by a friend, I was still hesitant at first as we are in different states. I've been through them twice, once for second home (buying on my own in 2019) and for refinance in 2021. On both occasions there was that extra special personal touch, they followed up with me well after settlement to check and I was happy with the outcome. I would highly recommend this business.

Evon Willis

06:05 04 Oct 21

Kirsty and the Team from Living Home Loans are a wonderful. Family friendly, approachable. Being a sole parent this was important to me. Kirsty walked me through the process step by step. They provide a personal touch I have not experienced with other brokers. Providing confidence and reassurance along the way. They are results focused and will always go the extra mile for their clients.I highly recommendLiving Home Loans, they won't let you down !!!!

Peter Johnston

05:59 01 Oct 21

Andrew and his team were always willing to help us & go the extra mile. They were very patient in answering all of our questions & explaining the process step by step! We were always treated like VIP customers. We would highly recommend the Living Home Loans Team.

Deborah Tinker

23:51 30 Sep 21

Wow, what can I say about Kirsty and Andrew ? I’ve come to realise that they operate a very unique team, they use their insight under an excellent set of values and world views. This combination seems to result in fantastic outcomes for their clients, myself included.I am grateful to now own a home that I could only dream about for 10 years. I never thought it would be possible and here I am enjoying settling in, feeling secure again in my own home and placing my personal design and flair around the property.Thank You Kirsty and Andrew.Deb Tinker

Nikki Leach

10:16 29 Sep 21

Andrew and the team at Living Home Loans provided 5 star service from beginning to end! Happy to recommend to anyone looking for a broker to get the job done without the stress! Thanks so much for all your help :)

Kylie Beeby

02:54 29 Sep 21

Hands down these guys are amazing! I had tried to get a home loan with two other brokers prior to meeting Kirsty, Andrew and the living home loans crew.I'm now sitting in my new apartment because they made it happen. Highly recommend. Thank you guys! You rocked it! X

Aaron Wynne

23:05 23 Sep 21

Kirsty and the team have been fantastic and have gone above and beyond to help us through this process. They are incredibly knowledgable and their service is second-to-none. We will definitely be doing business with Living Home Loans again and would highly recommend them!

Patrick Berryman

09:23 23 Sep 21

Just recently did a refinance with these guys, had no problems can be a long process though start to finish . Good communication and fast response times via email. Best thing I thought was that you could speak to anyone in office and they would help you rather then say will get back to later. Honest and reliable business thanks again.

Kelly Sattler

08:16 23 Sep 21

We highly recommend Kirsty, Andrew & the team at Living Home Loans. We were referred to them after going through several Mortgage Brokers that wouldn’t even help us refinance from a high interest rate fixed loan so we were close to selling up our house but they helped us find a bank that took on our loan & at a massive drop in interest rates so we were able to keep our house & save. This was about 2 years ago & we have now used their services again to refinance to do an extension & renovations on our house & they have been nothing but professional & helpful. We also live in the ACT so have had all contact & assistance via email & phone so it doesn’t matter where you live in Australia they can help.

Adam May

07:05 23 Sep 21

The team at living home loans did a fantastic job at getting us not only a loan but one tailored to suit us. They really took a lot of the stress away from the experience and were a pleasure to deal with.

Kyle Liang

00:12 22 Sep 21

It took me over 18 months to find my home, but Andrew from Living Home Loans supported me throughout the whole house hunting journey. He is very approachable and trustworthy, and actually a very funny guy. The team in Living Home Loans are so professional and helpful, always respond to my questions promptly and accurately. I highly recommended them. Thank you Andrew again for the service, you have made my torturing 18 months less painful, yep, definitely less painful. :))))

Michelle Worrall

02:36 09 Sep 21

Amazing Service, They we’re Always available for any questions we had and Always explained in a simple way for us to Understand. Living Home Loans Team made our purchasing of our first home , Stress Free. Great Communication, Efficient Service. We Highly Recommend Living Home Loans. Thankyou Living Home Loans for your Constant professionalism and Support.

Luke Westerman

08:27 31 Aug 21

The team at living home loans helped me get into my first home. With out them I would most likely still be renting considering I had attempted to get a loan directly through two banks and two other mortgage brokers before I was recommended to get in touch with the team and they made it work! They made everything so easy especially being as it was a construction loan. I think they would have answered over 100 questions I had about everything and even went to the effort to help me understand it all. I have just finished using them to refinance and they once again made it so easy and where very helpful and got me the best deal out there. I will continue to work with them and can not recommend them enough!

James Todman

04:05 24 Aug 21

BEST BROKER ON THE GOLD COAST!!! After interviewing 5 of the top rated Mortgage Brokers on the Gold Coast, after talking to Andrew for 5 minutes, his knowledge, experience and honesty made him the clear leading in his industry.He helped me through the entire process, answering all my after hours calls, keeping me updated along the way and explaining the process in an easy to understand way.I wouldn't hesitate to recommend Andrew and his team to anybody asking for a broker. Will be using again for my next property.

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