Legacy Home Loans

We provide mortgage and finance broking from Richmond in Melbourne, working with first-home buyers, homeowners, property investors and self-employed borrowers. We start by understanding income, existing debts, the intended property transaction and timing. We then compare lending policies, mortgage structures and product features, explaining how the choices may affect repayment obligations and household cash flow.

Adam O'Neill leads our mortgage broking work through Ayrshire Group's credit representative arrangements. We help clients organise income evidence, current loan information and details of the property they plan to buy or refinance. Our approach emphasises direct conversations and clear explanations of lender criteria. Clients can ask questions about the documents required as their application proceeds.

For first-home buyers, we discuss deposits, borrowing capacity, pre-approval and the journey towards settlement. Families moving from one home to another may need to coordinate existing mortgage commitments with a new purchase. We compare fixed and variable loan structures, account features and repayment terms. Construction and renovation borrowers can also discuss the distinct requirements of building contracts and staged payments.

Investment lending can involve current property equity, rental assumptions, other liabilities and ownership arrangements. We help investors compare products and supporting documentation.