Unlocking Financial Opportunities with Tailored Mortgage Solutions
We streamline the process.
Welcome to Laura Moya Local Mortgage Broker, where the first step is to discuss your financial needs and goals. Our approach is unique in that we research the many different products from a range of lenders to ensure we find the right solution for you.
And just to make things even easier, Laura Moya Local Mortgage Broker will handle the paperwork, manage the application process, and then take it through to settlement.
Best of all, because mortgage brokerage is our speciality, we get the process moving quickly. We use our relationships with lenders to secure your finance as fast as possible.
In short, a broker like Laura Moya is there to look out for your interests, while lenders are there to look after their own. We don’t have to say who’ll do a better job for you.
With a caring and grounded approach, Laura Moya Local Mortgage Broker aims to save you time and effort. We understand that the world of finance can be confusing and overwhelming at times, and we are committed to working with you, answering your questions along the way, and guiding you through the process with minimal fuss.
If it's your first home, or if it's time to renovate, refinance or invest, your local mortgage broker can make it happen.
- Why should you use a local mortgage broker?
There are lots of good reasons why more than half of Australians now use a broker to secure a home loan. Probably the most important one that is we work for you, not the banks. We speak to you first to find out what you need, and then we use our knowledge of the market to better negotiate with the lenders. Then we get a range of options before we work out which one is right for you, not what’s right for the lenders.
Outside of being a Broker - I am a mum of two children.
To give back to the community from the upfront commissions which I generate from my settled loans I will be donating $50 per settlement to Blakes Army.
So, not only would you be getting your finances in order via using my professional services – but you would also be supporting the primary goal of Blake’s Army Limited to raise much-needed funds for research into improved treatments and cures for bone marrow failure syndromes.
Why Choose Laura Moya?
Your Personal Mortgage Broker
Informed Decisions
Save Time
We'll Listen
Long Term Support
I Specialise In
Confirming your borrowing capacity is an important first step in the mortgage process. It involves assessing your financial situation, including your income, expenses, assets and liabilities, to determine how much you can afford to borrow. By doing so, you’ll be able to shop for properties within your price range and avoid the disappointment of being turned down for a loan. Our experienced team of mortgage brokers can help you through the process and provide you with a clear understanding of your borrowing capacity.
Before you go out to purchase any property – it is important to understand what your borrowing capacity will be, costs associated with your desired purchase price and how much deposit you need to achieve your goal.
If you have a credit card – we know what the limit is – without obtaining a pre-approval is like going window shopping without knowing the limits.
If you are in the market for a new car, need finance for a holiday, renovations, wedding, want a campervan, motorhome, caravan – get a pre-approval for personal loans too. This way you can shop with more confidence.
Unlock the potential of your home with our refinancing solutions. Our expert team of mortgage brokers can help you lower your interest rate, reduce your monthly payments, or access your home’s equity. Explore the benefits of refinancing and take control of your financial future.
If you are a First Home Buyer – I am able to guide you through this very special journey.
I strive to educate you with my professional knowledge of government grants which you maybe able to obtain, costs associated with purchasing your property whether it is for investment or owner occupier purposes.
Understand what your borrowing capacity is, costs associated with purchasing your desired property and give you a guide on deposit required to complete your property purchase without having a shortfall of funds at settlement.
As there are so many products available – I will give you guidance to allow you to choose the right product for you – ie – variable rates, fixed rates, principal and interest to name a few product features available in the marketplace.
I will also explain how to make an offer once you find a property you wish to purchase and also bring to your attention the difference between an auction purchase vs. subject to finance offer.
As there is a lot of information available – speaking with professionals who do this for their living makes sense to discuss your personal finances and your personal needs as brokers will have a tailored solution for you vs. google general information which may not suit what you are after.
Unlock the potential of property investments and pave the way to financial prosperity. Our team of experts is here to provide valuable insights, personalized strategies, and guidance tailored to your investment goals. Explore the world of property investments, seize lucrative opportunities, and embark on a rewarding journey towards building wealth and securing your future.
Take control of your retirement savings with a self-managed superannuation fund (SMSF). Our team of experts provides comprehensive guidance and personalized strategies to help you navigate the complexities of SMSFs. Discover the benefits of managing your own superannuation and secure a financially stable future.
Cashflow finance –
A form of financing in which a loan made to a business is backed by a business’ expected cash flows.
It is also referred to as cash flow loan and uses the generated cash flow as a means to pay back the loan.
Equipment finance
A loan that uses the equipment you purchase with the funds to secure the loan.
Equipment may be any tangible asset other than property – ie – machinery, vehicles, electronic equipment or furniture.
Invoice finance
Allows a business to borrow against the amounts due from customers.
Businesses pay a percentage of the invoice amount to the lender as a fee for borrowing the money.
Invoice financing is also referred to as debtor financing, accounts receivable financing and receivable financing.
Secured Business Loan
A loan that uses the business’ assets as security.
Assets could include real estate, vehicles or inventory.
Unsecured business loan
A loan approved based on a business’ creditworthiness.
It is not secured against any type of collateral so the interest rate is often higher than a secured loan.
What is Consumer Asset Finance?
Consumer asset finance is a short-term financing solution from a lender which will be used for personal use. Common assets purchased through asset finance include:
- Cars.
- Caravans.
- Motorbikes.
- Leisure Boats.
- Recreational Vehicles.
Our lender & partner panel
We offer customers the choice to search over 80 lenders and partners across residential, commercial, asset finance and personal finance.
