More Than Mortgages

We are More Than Mortgages, a mortgage broking business in Deakin, Canberra. Directors Deanna Ezzy and Natasha Condi work with brokers Tristina Haines and Simone Winefield, client partners and loan processing colleagues. Our team values clear explanations and continuing relationships.

For home purchases, we consider the deposit, income, existing debts and regular household spending. We explain lender criteria, repayment structures and account features so clients can compare more than an advertised interest rate.

First home buyers can discuss purchase costs, deposit evidence, pre-approval and settlement dates. We explain relevant assistance schemes subject to eligibility and why an indicative assessment is different from final lender approval.

Investment property lending requires attention to expected rent, holding costs, existing mortgages and future property plans. We discuss how borrowing arrangements and repayment options affect cash flow and later investment decisions.

Construction finance involves building contracts, project budgets, valuations and progressive payments. We explain the documents lenders may need at different stages and how repayments can operate during and after construction.

SMSF property finance may involve specialised borrower structures and documentation. We discuss lending conditions while encouraging independent advice about fund compliance, legal matters and taxation.