Home Loans in Townsville
- Our services extend across all of Australia
- Over 20 years of industry knowledge to support informed decisions
- Ongoing support available throughout the life of your loan
- Loan options tailored to align with your financial goals
Home Loans Form
Contact Us
Townsville Home Loans
SouthMac Finance in Townsville, is a finance broker servicing the whole of Australia, offering structured home loan solutions tailored to individual goals. With over two decades of industry knowledge and access to a broad panel of lenders, the business supports a wide range of clients—from first-home buyers to seasoned property investors.
What sets SouthMac Finance apart is our focus on helping clients understand their loan options and make informed decisions that suit both short-term needs and long-term goals. Our services include fixed and variable loans, bridging finance, and refinancing, delivered with attention to regulatory compliance and individual circumstances.
- Options for first-home buyers, investors, & refinancers
- Access to multiple lenders with varied loan structures
- Support for fixed, variable, bridging & refinance loans
Whether navigating the purchase of a first home or restructuring an existing mortgage, we help clients compare options and choose a pathway suited to their financial position. To discuss your next home loan, call or message us to get started.
Loan Types & Structured Support
Home loan needs are not one-size-fits-all. SouthMac Finance offers tailored lending support for a variety of property goals, helping clients evaluate loan types based on eligibility, structure, and financial outcomes. First-home buyers can access guidance on government incentives and repayment planning.
Investment loans are available for single properties or multi-property portfolios, with structuring to support flexibility and tax efficiency. Fixed rate loans provide repayment stability, while variable rate loans offer more flexibility in changing market conditions. Bridging loans are available for those buying before selling, and refinance options help reduce interest, consolidate debt, or access equity for renovations.
- First-Home Buyer Loans
- Investment Property Loans
- Bridging and Refinance Loans
All loan types are delivered with access to accredited lenders and ongoing support throughout the loan term. Clients receive transparent information to help them make choices with clarity and confidence. To learn more about available options or to discuss your circumstances, call or submit an enquiry online.
First Home Buyers
SouthMac Finance supports first-home buyers by providing information on government grants, deposit requirements, and loan eligibility. Clients receive assistance with loan comparisons, understanding documentation, and preparing applications. The aim is to help buyers make informed decisions and understand the steps involved in securing a suitable home loan for their circumstances.
Investment Loans
Investment loans can be structured in various ways depending on the borrower’s goals, risk profile, and financial situation. SouthMac Finance offers access to a range of lenders with investment loan products tailored to different strategies. This includes interest-only options, flexible terms, and features that support long-term asset planning. Clients receive support to assess loan structures and evaluate their suitability for property investment.
Standard Variable & Fixed Rate Loans
Borrowers can choose between variable rate loans, which may change with market conditions, or fixed rate loans that offer consistent repayments over a set period. Each option has benefits and limitations depending on personal budgeting preferences and financial goals. SouthMac Finance provides information to help clients compare loan types and understand how interest rate movements may impact repayments.
Bridging Loans
Bridging loans are designed to assist with the transition between purchasing a new property and selling an existing one. These short-term loans can help manage timing gaps in property transactions. SouthMac Finance provides guidance on loan eligibility, repayment structures, and lender conditions to support clients through this temporary financial arrangement.
Refinance Loans
Refinancing involves replacing an existing home loan with a new one to improve loan features, adjust repayment terms, or access available equity. This process may help with consolidating debt, funding renovations, or securing a more suitable interest rate. SouthMac Finance assists clients in evaluating refinancing options, understanding costs involved, and determining whether a new loan structure aligns with current financial objectives.
Frequently Asked Questions
Do you charge fees for home and investment loans?
Some mortgage brokers charge a fee for their services and some don't. When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate. Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.
What does a mortgage broker do?
Mortgage brokers are qualified finance professionals. They work with you to determine your borrowing needs and objectives and help you determine how much you can borrow. Brokers help to ensure that you don't take out a loan that is not right for you.
Like your solicitor, accountant, or financial planner, we are specialists in what we do and will provide you with a suitable finance solution to help you achieve your goals. With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender. Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products from different lenders to find the right loan for you.
Who sets interest rates?
Mortgage brokers do not set rates. The Reserve Bank of Australia meet on the first Tuesday of every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Lenders also adjust their rates according to their costs and other economic considerations.
Is it more expensive to use a broker?
Some brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same.
The costs depend on the loan and lender you choose. If you want to save on loan costs, just tell us. We can locate loan products from the lenders with the lowest fees and charges.
