MO'R Mortgage Options

We are a family mortgage broking team in Turner, founded by Michael O'Reilly and continued by the next generation. We help first home buyers, families moving house and property investors.

We discuss the deposit, household income, expenses and repayment plans before comparing home loans. Lender rules, property valuations and contract deadlines are also part of the process.

We help first home buyers understand deposits, purchase costs, documentation and the steps to settlement. Relevant government support remains subject to specific eligibility rules.

Investment borrowing involves expected rent, existing debts, holding costs and future plans. We discuss loan terms and how repayments may affect an investment portfolio.

We review existing mortgages, remaining terms and potential switching costs before comparing refinancing options. A lower quoted rate is not the only factor in the decision.

Before an offer, we discuss the evidence needed for pre-approval. We explain time limits and conditions, since an indicative decision is not a final approval.

Borrowing capacity depends on income, ongoing costs, debts and lender assessment methods. We discuss affordability rather than relying on one calculator figure.

We explain affordability and pre-approval before buyers make offers, and we also review existing home loans. Our team helps with lender documents and supports clients as their property plans evolve.