Apt Mortgages

We provide mortgage and finance broking from Point Cook in Melbourne, assisting clients with first-home purchases, property investment, refinancing, construction and business borrowing. We start by reviewing the purpose of borrowing, income, existing debts and the timing of a purchase or business decision. We compare lender criteria and explain loan structures, repayment features and costs. Our aim is to help clients understand their obligations and make informed choices before applying.

Our team includes Avnit Singh, Harpreet Singh, Sanket Patel, Jatin Marwaha and Kaiffy Cheema. We help borrowers collect supporting income and property documents, discuss lender policies and prepare applications. First-home buyers can explore deposits, borrowing capacity, pre-approval and the stages of a purchase. Homeowners moving to another property may need to consider an existing mortgage alongside the new facility and the timing of each transaction.

Property investment lending may involve existing equity, expected rental income, other liabilities and property holding costs. We assist clients in comparing relevant options and organising evidence for lenders. We also discuss fixed and variable mortgage features and ongoing repayments in the context of household cash flow. Where a company or trust is involved, independent accounting or legal advisers can help with questions beyond credit assistance.