DUBBO MORTGAGE BROKERS
Your Local Mortgage Broker in Dubbo & Central West NSW

No, we do not charge any fees for our service. Dubbo Mortgage Brokers are paid directly by the lender when your home loan is settled. These funds come straight from the bank and are not added to your home loan anywhere.

The loan you receive through us is exactly the same as if you went directly to the lender yourself, and sometimes it can even be better — we always ask for any available discounting to ensure you get the best possible deal.

A mortgage broker acts as a bridge between you and the lender. At Dubbo Mortgage Brokers, we compare loans from a wide range of banks and non-bank lenders to find the best home loan for your needs. We handle all the paperwork and guide you from application through to settlement — and beyond.

Yes, absolutely. We regularly assist clients right across Australia, not just in Dubbo or the Central West. Our systems are fully set up for remote appointments via phone or video link, so you’ll receive the same level of service no matter where you’re located.

We’re a paperless office, which means everything can be done securely online through our encrypted CRM system. You can easily upload documents via your secure client portal, sign forms using digital signatures, and we use government-backed open banking to safely access bank statements when needed.

Our goal is to make the process simple, secure, and stress-free — and we have happy clients all over the country.

A bank will only offer you its own loan products. As brokers, we compare multiple lenders to find the most competitive deal for your situation. You’ll also receive personalised service and ongoing support from a local team you can reach any time.

Yes, absolutely you can. We’re more than happy to have a chat, even if you’re still in the early stages of planning. Meeting with us early can help set you on the right path and give you accurate information from the start — whether that’s understanding how much deposit you’ll need, improving your borrowing power, or learning about government grants and incentives.

There’s no cost or obligation to meet with us — just friendly, local advice to help you prepare for when the time is right.

Absolutely. We specialise in helping first home buyers take their first step into the property market with confidence. Our team will guide you through every stage — from understanding how much you can borrow, to comparing lenders, and securing government incentives such as the First Home Guarantee (5% deposit scheme).

Under this scheme, eligible buyers can purchase a home with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI). This can save you tens of thousands of dollars and help you buy your first home sooner.

We’ll check your eligibility, explain how the scheme works in Dubbo and regional NSW, and find a lender participating in the program that suits your circumstances. From start to finish, we handle the paperwork and keep the process simple and stress-free, so you can focus on finding your perfect first home.

Yes, we can definitely assist with construction home loans. We have extensive experience helping clients build their dream homes and understand the unique requirements of construction lending.

With a construction loan, funds are released in progress payments at different stages of the build — for example, after site preparation, slab completion, framing, and final handover. We manage these payments for you, coordinating between you, your builder, and the bank to ensure funds are released correctly and on time.

This means you don’t have to worry about chasing payments or managing complicated paperwork. We also ensure that your loan structure and repayment schedule are set up correctly from the start, so you can focus on your build with confidence.

Yes. If you’re looking to lower your repayments, consolidate debts, or access equity for renovations or investments, we can compare your current loan with better options on the market and manage the refinancing process for you.

We have access to all major banks and some excellent non-bank lenders across Australia. However, because we are based in a regional area, not all lenders operate in smaller towns around Dubbo and the Central West.

This is where our experience really comes into play. We know which lenders are most likely to approve loans in your particular area and can match you with the right lender for your situation. By combining our access to a wide range of lenders with our local market knowledge, we can help you get a loan that meets your needs quickly and efficiently.

Typically, you’ll need ID, payslips, bank statements, and details about your assets and liabilities. If you’re self-employed, we can also assist with loans that use BAS statements or alternative income documentation instead of full financials.

Our support doesn’t stop at settlement. We’ll stay in touch to ensure your loan continues to meet your needs and review it regularly to check if a better deal becomes available. You’ll always have a local expert on your side.