Is now a good time to fix my loan?

Fixing your loan is highly dependent on your future decisions. When you lock in a fixed rate its important to understand that you are signing a contract with the bank to lock in for a certain time. A fixed loan provides certainty in knowing your weekly/monthly repayments and offers peace of mind if you are concerned about rising rates. However a fixed rate also comes with restrictions. If you decide to sell or refinance your loan inside the fixed rate period you could be up for a significant fee (Break Cost Fee). If you have surplus funds available you are not able to park this in your fixed loan account to reduce the interest payable (as you would with a variable home loan). To make an informed decision please call us to discuss your options to ensure if a fixed rate is the best product for you.

Is now the right time to refinance?

The benefits of refinancing your mortgage can vary depending on your situation and financial goals. In general refinancing opens the door to many opportunities, such as: better mortgage rates Paying off your home loan sooner lower monthly repayments shorter loan terms fixed-rate options debt consolidation The team at K Partners can help you make an informed decision by helping you to set goals and review loan options that align to your needs. We have access to a range of exclusive, flexible, and competitive loan solutions. We can work with you to find a loan tailored to your circumstance.

How much do you charge for a meeting/consultation?

Our mortgage broking services are complimentary as the banks renumerate us once your loan application has settled. Which banks do you recommend? We have access to approx. 30 different lenders. Dependent on your situation we will pick the ideal lender that best suits your needs.

What information do I need to have ready for my meeting?

Normally your last two (2) payslips and a breakdown of your assets and liabilities. It would be ideal to prepare a budget as well as we will be discussing your ability to repay a future mortgage. Having a budget completed will allow us to confirm your actual borrowing capacity.

What are the loan fees?

Fees that are associated in a property purchase are: Stamp duty Transfer fees (title transfer) Lenders mortgage insurance Conveyancing fees Discharge fee (if you are refinancing a mortgage) Disbursements (estimated vendor costs) All fees are dependent on the price of the property you are purchasing/refinancing. We will always provide you with an estimate of your expected fees

How much can I borrow

This question is dependent on your income, liabilities & living expenses. Every bank have different parameters as to how they determine your borrowing capacity. It’s vital that you have a clear understanding of your actual borrowing capacity to determine your actual affordability.

What’s the approval process?

Once we capture all your information we will put together an application to the bank. Normally the banks require 3-5 business days to assess your application. They might require further information if they want to further verify any of the provided information. Once your loan is approved you will be in a position to make an offer on your new home or investment.

Mortgage Brokers

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K Partners — Top Ranked Mortgage Broker In Melbourne

Discover why chooses K Partners Mortgage Brokers services in Melbourne.

K Partners are specialists in delivering mortgage options that are in the best interest of our clients. Our team has extensive experience in negotiating competitive interest rates for our clients. K Partners has assisted thousands of clients in advising on how to correctly structure their loan and negotiate competitive rates. As part of our ongoing service we will ensure that your loan remains competitively priced by conducting annual reviews.

K Partners provides advice on:

Borrowing capacity
How much should you borrow for your next purchase
Refinance your existing loan to access additional funds and improve your rate
Structure your loan loan to maximise your debt reduction
Fixed and Variable rate loans
Residential and Commercial property loans

Schedule a consultation with K Partners to ensure your financial future

What Are The Different Types of Mortgage Brokerage Services Available?

K Partners offer a number of mortgage broker services.

First Home Buyer Loan
Investment Property Loan
Home Loan
Refinance Loan
Construction Loan
Commercial Property Loans
Self-Managed Superannuation Loans

K Partners helps clients learn how to structure investment property loans and explain the methodology behind borrowing for business, SMSF, commercial property, and how to refinance your existing loan to get a better rate and debt consolidation.

Schedule a consultation with K Partners to ensure your financial future

Why K Partners are Trusted Mortgage Brokers In Melbourne

K Partners Pty Ltd is a holder of Australian Credit Licence No.388189

K Partners has extensive experience whether buying a new home, developing an investment property portfolio, or looking for a better loan structure. We manage the whole process from start to finish and keep you informed every step of the way.

Our mortgage service includes:

Initial consultation – Our experienced team will use a first consultation to understand your loan requirements.
Research – We conduct extensive research based on your needs, requirements and borrowing capacity in order to identify your available options.
Recommend – We present several options for consideration, plus our recommendation for the most suitable loan structure and provider.
Implement – We submit and manage your loan application until completion.
Review – Once your loan has settled, we continue to provide you with regular reviews where we look to improve rates and discuss debt reduction strategies.

K Partners Pty Ltd is a holder of Australian Credit Licence number 388189

Credit Guide

Contact us to arrange an mortgage broking consultation.

Frequently Asked Questions

Why Should You Use A Mortgage Broker Over A Bank?

A mortgage broker has access to a wide range of lenders and will work with you to understand your needs and objectives and shortlist the suitable lenders. The broker will then deal with the banks on your behalf and manage the entire process from application to settlement. This results in a better outcome for the clients by getting better rates, better loan structures, and saving time. Read more about our comparison between mortgage broker & bank

Do Mortgage Brokers Charge A Fee?

Typically brokers are remunerated by the banks directly and there is no fee charged to you as the client. For complex transactions involving commercial lending some brokers can charge a fee in addition to bank remuneration.

Mortage blog

A complete guide on how to refinance a home loan?
August 8, 2023
What is refinancing? Refinancing is the process of moving your home loan from one lender to another. Throughout the process of taking out a mortgage with […]
What is Offset Account and how does it work?
July 14, 2023
With the cost of living steadily growing and interest rates continuing to rise, hundreds of thousands of people across Australia are suffering from mortgage stress, i,e., the pressure to meet their home loan repayments. Fortunately, offset accounts have emerged as an increasingly popular way to reduce their monthly repayments.

Ben Mitchell

09:37 14 Nov 23

Ajay and the team are incredibly helpful! Questions are answered promptly and the process is really streamlined. I go to... K Partners for anything finance related, cannot recommend highly enough.read more

C P

06:31 01 Nov 23

If you want a sexy broker .... Ajay is your man! In all seriousness, I have used Ajay and K Partners over the years with... property transactions and always achieved successful outcomes. He is fair and honest but innovative with structuring finance. He has a wealth of knowledge in the industry and recommend him with out any doubt! Thanks for your recent services for our investment property purchase and remortgage of our home mortgage.read more

Karen Vella

08:03 14 Oct 23

I would like to recognise Aman. From our first chat to him processing my tax return, Aman was a delight to work with.... Aman is extremely knowledgeable in his field and always responded in a timely maner without me having to follow-up. I can't fault him. The best part was I actually got a refund for the first time in 3 years!read more

Jason

11:09 21 Sep 23

Amazing professional service. Very informative and knowledgeable. Communication during the process was fantastic.

alixx ackland

07:52 30 Aug 23

We just wanted to say a huge ‘thank you’ from the bottom of our hearts to K Partners for helping make our dreams of... owning our own home a reality!! K Partners has been with us every step of the way from providing sound financial advice to contacting us before and after every auction to check in. We have appreciated the ‘one stop shop’ service with their skilled and friendly team of accountants, mortgage brokers, financial advisors. It’s been over 3 years of working with K Partners and we would highly recommend their services to anyone considering big financial decisions. As first time buyers in Australia we particularly appreciated the tailored advice, guidance and friendly support. Thank you K Partners for going above and beyond to make our dream a reality. (Picture is of a beautiful house warming gift delivered to us from the team!)read more

Clint Gunson

10:56 06 Aug 23

Vicky and I had a fantastic experience when refinancing our loans with Ajay and his team. They made it a very easy and... stress-free process. From understanding our needs, right the way through to settlement and all the steps in between. We would highly recommend K Partners Financial Advisers for your needs.read more

Gareth Harris

00:31 27 Apr 23

Ajay and his team are very professional and are up to date with the industry. They have helped us obtain the best... outcomes in this very uncertain financial climate. Highly recommendread more

Ash Peers

06:33 23 Apr 23

Could not recommend Ajay and Andrea enough, 1000000/10. Ajay turned a really stressful buying/selling situation into a... smooth transaction, would not trust anyone else.read more

Jeff Hallberg

02:45 22 Apr 23

Have trusted K partners for several years for personal insurance and mortgage broking. Have had nothing but professional... and prompt service and great advice over the years. Have also recommended to several friends who have also been happy with their serviceread more

Arturo Andrade

02:53 31 Aug 22

Have worked with K Partners for over 2 years now and it has been a very pleasant experience. Prasanth has always taken... the time to explain the different types of insurance and evaluate what are the best options out there according to our current situation.read more

Selma Fazlic

00:54 15 Jun 22

K Partners have always been an excellent company to use for all our accounting and tax purposes, but we recently chose... their brokerage services for our home loan. Zaneta and Andrea have been amazing to deal with, from prompt communication through to valuable advice, it really was a seamless process. Thank you again Zaneta, Andrea and the K Partners team.read more

Fernando Correia

07:17 10 Jun 22

Zaneta and Andrea were very professional and very easy to deal with. Thank you for helping us with our home purchase.... Highly recommendedread more

Renee Spiridis

04:08 03 May 22

From the very beginning from when I got recommended to use K partners, i received a call back almost instantly. Thats... when it all began. And it has been the most pleasant experience since. Ajay and Andrea went above and beyond to help my partner and I get our first home. They were compassionate, understanding, prompt with responses & overall fantastic people to deal with. I highly recommend not only Ajay but the whole team at K Partners. Thanks to K Partners, we have a beautiful home to call ours.read more

Jenny Raj

05:43 27 Apr 22

We've known Elizabeth, Steve for about 10 years now and Ajay has handled 2 of our property purchases (one in 2011 and... recently 2021-22). Very satisfied with Ajay's (assisted by Clarice) attention to detail and guiding us through each step of what can sometimes be a very complicated process especially when refinancing with a new bank. My husband and I would gladly recommend their services - they have worked hard and built a trusted practice.read more

Riz

12:13 19 Apr 22

Ajay Chawla is and was superb. I have received amazing help and support in reaching my current financial goals. I have... consulted with many financier’s in my 20 years as a medical Doctor and Mr Ajay Chawla & K Partners have surpassed them all. I highly recommend the firm, especially Ajay - honest and very dependable. He loves cricket and he will definitely bat a successful innings for you.read more

Beth Wallis

07:24 11 Apr 22

Ajay was incredibly thorough and knowledgeable throughout the process. I really recommend him and the team. Ajay would... ring to check in to see how the buying process was tracking and was very considered in his advice. He also got us a great deal on our mortgage.read more

Hilary

23:40 18 Mar 22

The team at K Partners are excellent. They helped me buy my first home, which is something I didn’t think I could ever... achieve. They’re extremely helpful and explain all options thoroughly, in a very easy to understand manner.I highly recommend them for anyone looking to get into the market or looking to refinance.read more

Cael Debono

22:28 03 Nov 21

I have been a regular client for 4 years now and have really appreciated the advice, service and professionalism shown... by K Partners. Would recommend their services to friends and familyread more

Kate Stubbings

06:03 01 Nov 21

We recently purchased our first home and we are so glad that we had K Partners on our side! We worked with Ajay and... Kirsten over a number of months as they assessed our situation, made recommendations, secured pre-approval (and renewed it when the search took longer than we expected), and arranged our mortgage.They were both so patient and responsive, and we really appreciated Ajay's calm and considered approach in the advice he gave us. At all times we felt confident that Ajay was acting in our best interests and that we could trust the advice being given.As first home buyers we were flying completely blind in terms of the process and our options when it came to a mortgage. We are so thrilled with the outcome and wouldn't hesitate to recommend Ajay to anyone looking for a mortgage broker.Following our experience we also engaged K Partners to complete our tax returns and were so impressed with how quick and straightforward the process was. We'll only be working with K Partners from now on.read more

Nina Rose

09:17 02 Oct 21

For a few years now, we have sought the advice and services of K Partners for our home renovations and other financial... needs and we cannot be happier with all their help!Our finances have improved dramatically, we have managed to achieve many things we thought we couldn't and we have learnt so much from Ajay and have a plan for our future. Checking in with K Partners is one of the best things we have done and I highly recommend their business to family and friends, some of whom have also been helped to buy their first home.We are extremely grateful we found you - thank you Ajay and Kirsten for all your hard work!read more

Sarah Height

03:58 14 Sep 21

Ajay as a mortgage broker provided an outstanding level of customer service that went over and above what we were... expecting. He demonstrated a genuine level of care and was always following up with our lender and and checking in with us. Would highly recommend!read more

Nathan Smith

23:22 14 Jul 21

Ajay and his team were excellent partners in my journey to secure financing for a flat. As a first home buyer, I had the... usual nerves and confusion about the financing and buying process, but found Ajay approachable, responsive and always clear on the process. This manner also applied to him explaining what I should expect from lenders and what my options were at every turn.Moreover, not only did Ajay initially source very competitive rates/payments, he ultimately secured an even-lower rate by negotiating with one of the lenders that I wouldn't have been able to secure solo. Ajay came recommended from other friends and I'd definitely recommend him to other first home buyers.read more

Benn Dorrington

00:18 29 Mar 21

K Partners has been great to work with through the entire lending process. They have been fast, helpful and happy to... answer my questions.read more

Cristina Calovic

22:46 10 Feb 21

I was very happy with their service. Information was always clear, well researched and tailored to suit my needs. Always... available to answer any questions and spend the time to explain processes. Great follow up and very professional and friendly. Definitely recommend K Partners. Thank you Ajay and Kirsten.read more

Lucy Moon

09:00 27 Jan 21

Ajay from K Partners was everything I could have asked for in a mortgage advisor + more! He was honest, hardworking and... patient with me as I asked a million questions. Ajay was able to step me through the whole process of understanding my options, applying for the home loan and filling out paperwork which I found incredibly reassuring as a young, first home buyer. He even guided me through the process of putting in an offer on a property!Despite being told my loan wouldn’t be processed for another three weeks, Ajay worked his magic and managed to secure it within a few days to ensure I could purchase my dream apartment!Ajay is friendly, professional, diligent and patient, I will be recommending his services to anyone who will listen!read more

Sharfi Deen

23:18 24 Jan 21

K Partners was recommended by a business contact, who said "these guys will give you the most appropriate advice for... your circumstances".Since then I have obtained 2 home loans via K Partners, who did all the back and forth between the banks and myself. Have recommended their services to multiple friends and colleagues.If you want real advice and someone to do the leg work for you, these guys are the brokers of choice.Exceptional service ans great success rate!read more

Jamie Grieve

23:01 13 Dec 20

Ajay and the team are professional and find the very best deal that works for you and your families needs. Highly... recommend.read more

Sue Campbell

03:13 18 Nov 20

We recently purchased our first Commercial property on the Gold Coast using our Superannuation fund. The timing of this... purchase was unexpected and we had a 6 week Settlement date to work toward without even having our own SMSF set up. It was a very fast paced and at times stressful few weeks with so much riding on getting our loan and not knowing how to navigate through the enormous and complex application process. I cannot speak more highly of Ajay Bobby Chawla from K Partners for closely guiding us through every step to process all the required paperwork and help us obtain a successful outcome obtaining our loan and ultimately our new factory.Ajay is extremely professional and exceptional at doing his job. He made me feel at ease the whole way through our purchase keeping in constant touch with updates and even hourly when things were down to the wire. I cannot speak more highly of Ajay and our dealings with him and highly recommend his services if you are purchasing property. He will be the first person I call for our next purchase. Thanks Ajay.Sue CampbellGold Coast18 November 2020read more

Alex Joyce

03:55 09 Nov 20

Ajay and his team were so incredibly helpful throughout the entire process of purchasing my first property! No question... was ever too silly, and I felt comfortable reaching out to them any time I needed anything explained to me in more detail. The whole process felt surprisingly stress-free and ran so smoothly. Would highly recommend K Partners. Thanks so much guys!read more

Nicholas Lastman

11:35 02 Sep 20

Edit to original Post: We have now used K Partners for 2 house purchases and they make the purchase so easy every time.... They have a great team who get everything right, are available when you need them, and really act in your best interest. Do yourself a favour and entrust your Mortgage needs to this company. Thanks Ajay and Khanh. If I could give 10 stars, I would!Original Post: Ajay from K Partners acted as our Mortgage broker. I was referred to Ajay by a family member after trying to first get a home loan via a larger well known franchised Mortgage Broker who left myself and my partner feeling like a low priority. In glorious contrast, Ajay and his colleague Kirsten were extremely organised, efficient with all correspondence, accurate with guidance, and kept all promises that they made. They made the process easy to understand whilst keeping everything transparent. Such a sensational experience for buying our first home - highly recommend K Partners! Thanks for everything Ajay and Kirsten!Nic & Kirstyread more

David Priest

02:52 03 Apr 20

Ajay and his team have gone out of their way to ensure we obtained the most competitive rates in the market championing... our cause with our bank. They have been highly professional and kept us informed of progress along the way. I would highly recommended their servicesread more

Benjamin Apap

23:58 01 Apr 20

Our experience with Ajay and Lauro from KPartners couldn’t have been better, very knowledgeable and client focused. Ajay... has been working with us for the past 4 years, guiding and helping us create a realistic plan in achieving our home, investment and business goals. With his expertise he was able to give us detailed and helpful information that were specific to our needs. He worked closely with us throughout the process, he was prompt and pro active with advising us on every step, and ensuring we felt completely comfortable and confident in our progress and choices. It was wonderful to be able to share with him the satisfaction of achieving all our goals and hopefully many more to come. Highly recommend!!read more

Vicky Lim

06:50 26 Mar 20

Ajay and Kirsten were very helpful and patient during the process of us buying our first home.Having no idea what was... involved and what to do, they guided us through the best options for us and were always quick to respond our queries!A great team to work with!read more

Hilary Williams

04:27 03 Mar 20

Ajay, Kristen and Clarice were all extremely helpful. They helped me buy my first home, navigate the financial process... and put me in touch with a fantastic conveyancer who all worked incredibly well together and made the process so simple and easy to understand. Their communication was great, they were always happy to assist me with any questions I had and supported me every step of the way from saving, to applying for the loan and eventually buying the property. I absolutely recommend the team and their services, as I wouldn’t have been able to achieve my goals without their asssitance.read more

Xander Neaves

23:33 18 Feb 20

Cannot rate Ajay and Kirsten highly enough throughout our refinancing process. Kirsten in particular, provided... professional, timely advice and assistance and went above and beyond to ensure we were looked after. Special thanks also to Elizabeth and Kristina for their ongoing support with our accounting matters.read more

Paul Abbott

04:32 31 Oct 18

Adam Horder's professionalism and knowledge has been invaluable to me. Highly recommended.

Suzanna Hall

22:41 17 Oct 18

K Partners have been my trusted advisers and accountants for many years and have been invaluable in helping me through... my financial and accounting matters.When it has come time to make important decisions, the entire team at K Partners have been with me every step of the way to help guide me through my finances. Elizabeth, the director and accountant, has always been on hand to answer my questions and provide sound financial advice. I commend her vast knowledge in the field of accounting as well as her approachability and ability to answer any of my questions.Adam has also always made any of the processes easy by communicating with me, showing genuine support and care.I am also impressed by Steve, who has consistently provided me with prudent advice in picking the right financial products.I would highly recommend K Partners to anybody who needs a reliable accounting firm.read more

Geoff Bird

08:02 13 Aug 18

We have been using K Partners since early 2017 and have been very impressed with their advice and recommendations.... Steve and his staff are very responsive and provide prompt service when needed. They are very proactive in their approach which is very helpful in our busy day to day lives. They have our recommendation.read more

Frances Drysdale

05:58 04 Aug 18

We have been clients for over 5 years and have always found Steve and his team to be professional, knowledgeable and... thorough. Communication is excellent and any questions or queries we have are addressesd patiently and in good time. The advice over the years, has always taken into consideration our personal needs and goals and we always leave our meetings feeling our finances are in “good hands”. Thanks team.read more

Caroline Taylor

08:37 09 Jul 18

I've been a client for about 7 years. Steve and his team are brilliant at the financial services that they provide, and... they also have well honed customer service skills. I can always trust them to give independent, honest and genuine advice that meets my needs. Having been stuffed around in the past by other financial institutions, I am now confident that I am supported by professionals who put my best interests above profits and quotas. Steve and his staff have my full tick of approval and recommendation.read more