How it works
Home Loans
At MDC Finance we specialise in developing comprehensive refinancing strategies tailored to your unique financial situation. Our goal is to restructure your new or existing loans in a way that not only reduces your financial burden but also unlocks new possibilities for your future.
Meet Marco & Angela Conciatore
Experienced. Local. Dedicated to You.
Your Mortgage Broker in the Campbelltown Area
Buying a home is a major financial decision and knowing where to start can at times feel overwhelming. At MDC Finance, Marco Conciatore, Finance Director and Mortgage Broker, takes the time to understand your circumstances before helping you choose a suitable home loan.
The right lender is not the same for every borrower. Some people prefer a major bank where they can walk into a branch and speak with someone in person. Others are comfortable dealing with a non major lender if the loan provides a suitable solution for their circumstances. With access to a wide range of lenders, Marco can compare options and help you understand which type of lender may suit your needs.
Home Loan Advisor
Mortgage Broker Western Sydney
Helping You Understand Your Borrowing Power
Numerous factors can influence your borrowing power, including your income, number of dependants and regular household expenses.
Lenders look closely at household expenditure when assessing a home loan application. Everyday costs such as car expenses, memberships, insurance and other regular commitments can all form part of this assessment.
This is where speaking with an experienced mortgage broker can be valuable. Rather than approaching just one bank, Marco can review your overall financial position and identify lenders whose lending criteria suit your circumstances. The goal is to help you understand your borrowing position before you start seriously looking for a property.
Getting Ready for Home Loan Approval
Being prepared can make the home buying process much easier. A consistent savings history, stable income and a suitable deposit can all help when preparing a home loan application.
Eligible first home buyers may also qualify for government grants or schemes, depending on their circumstances. Certain lenders may also consider overtime or other income when assessing borrowing capacity. Every borrower is different, so the first step is to talk through your situation and understand what may be available.
Have Your Documents Ready
Having your financial documents organised can help keep the application process moving.
PAYG employees may need to provide recent pay slips and evidence of savings. Self employed applicants may need to provide tax returns, financial statements and other supporting documents depending on the type of loan and lender requirements.
Before applying, consider three important questions. Do you have enough savings? Do you have a suitable deposit? Do you maintain a stable source of income? Being aware of these questions can help you prepare for the next stage.
Financial Solutions Tailored for You
Mortgage loan solutions
Our seasoned mortgage brokers are here to guide you on understanding your borrowing capacity and tailor loan products that align with your requirements.
Loan application process
We take charge of the complete loan application procedure on your behalf, from pre-approval to application submission, and maintain communication with lenders throughout.
Loan comparison
By presenting loan products from a diverse range of lenders, we equip you with a range of options to select from, ensuring you find a loan that best suits your unique situation.
Negotiating with lenders
Leveraging our expertise and relationships with lenders, we negotiate on your behalf to secure competitive terms and conditions for your loan.
Assistance with paperwork
We provide assistance to simplify the paperwork involved in the loan application process, aiding you in comprehending and completing it seamlessly.
Refinancing
Should you seek to refinance your existing loan, we offer tailored solutions based on prevailing market conditions to help you find the most suitable loan for your requirements.
Industry knowledge
Our knowledgeable mortgage brokers stay abreast of the latest industry trends and news, ensuring you receive the most current and pertinent solutions available.
Ongoing support
We extend continuous support to aid you in effectively managing your mortgage over the life of your loan, addressing any inquiries and assisting with any eventualities that may arise.
Home Loan Mortgage Broker
Be Buy Ready
Understanding the Costs of Buying A Home
The cost of buying a property goes beyond the deposit and home loan. Buyers also need to consider expenses such as stamp duty, conveyancing and other purchase related costs.
MDC Finance Group can help you understand the financial side of purchasing a home, so you are better prepared for the costs involved.
For standard home lending, mortgage brokers are generally paid by the lender rather than charging the borrower an additional brokerage fee. Still, it’s important to understand any fees that may apply to your loan before proceeding.
Comparing Home Loan Options
MDC Finance Group has access to more than 60 lenders. However, access to a large panel does not mean every lender suits every customer.
Marco focuses on narrowing the options to lenders that may provide an appropriate solution based on the borrower’s circumstances, loan requirements and preferences.
For people looking for local home mortgage lenders, this offers another way to explore different lending options without approaching multiple banks individually.
Be Buy Ready Before You Start Looking
One of MDC Finance Group’s most important pieces of advice is to be buy ready.
This means talking with Marco your mortgage broker, understanding your borrowing position and, where appropriate, getting a pre-approval before you become emotionally attached to a property.
Imagine finding the perfect home or attending an auction and only then starting to investigate your finance. By the time you organise your loan, the property may already be sold. Being buy ready puts you in a stronger position to act when the right property comes along. Having finance prepared can also give you greater confidence when negotiating with a vendor.
Your Local Mortgage Broker
Whether you are purchasing your first home, moving into another property or reviewing your current lending arrangements, getting the right advice early can make a difference.
If you are searching for a home loan mortgage broker in Campbelltown or a mortgage broker in the Western Suburbs of Sydney, MDC Finance Group can help you understand your options and prepare for the next step.
Marco and Angela Conciatore, are committed to making the finance process easier to understand while providing a personal approach to every client. At MDC Finance Group, the focus is not simply on finding a home loan. It is about understanding where you are today, where you want to go and helping you develop a sensible strategy to get there.
Contact MDC Finance Group today to discuss your home loan and be buy ready for your new home.
Complete Financial Solutions
Home Loans
- First Home Buyers
- Investment Loans
- Construction Loans
- Self-Employed (Low Doc Loans)
- Refinancing
Private Lending
- Small Business Loans
- Cash Flow Solutions
- Commercial Loans
- Commercial Development
Construction Loans
- New ABN’s
- Low Doc
- Motor vehicles
- Luxury & Vintage vehicles
- Trucks, Buses & Trailers
Self-Managed Super Funds (SMSF) Loans
MDC Finance specialises in facilitating SMSF loans and Limited Recourse Borrowing Arrangements (LRBA) to enable clients to utilise their SMSF funds for property investments.
First Home Buyers
- First Home Buyers
- Investment Loans
- Construction Loans
- Self-Employed (Low Doc Loans)
- Refinancing
Business Loans
- Small Business Loans
- Cash Flow Solutions
- Commercial Loans
- Commercial Development
Asset Finance
- New ABN’s
- Low Doc
- Motor vehicles
- Luxury & Vintage vehicles
- Trucks, Buses & Trailers
Our Panel of Lenders
Your trusted financial provider
Call Marco today at MDC Finance to assist you with all your financial needs.
Regularly Asked Questions & Answers
Choosing the right lender is about more than simply finding the lowest interest rate. A mortgage broker can review your circumstances, financial position and lending requirements, then compare suitable options. At MDC Finance Group, Marco Conciatore takes the time to understand if you prefer a major bank, a non-major lender or a lender where you can speak with someone in person. The aim is to find a suitable lending option based on your requirements and circumstances.
Certain factors can affect your borrowing power, including your income, dependants, existing debts and regular household expenses. Lenders assess your household expenditure when considering a home loan application. Everyday expenses such as car costs, memberships, insurance and other financial commitments can all form part of this assessment. Understanding your expenses and financial position before applying can help you understand how much you may be able to borrow.
Being organised financially can help you prepare for a home loan application. A consistent savings history, stable income and a suitable deposit are important factors to consider. Eligible first home buyers may also be eligible for government grants or schemes, depending on their circumstances. Some lenders may also consider overtime or other forms of income when assessing borrowing capacity. A mortgage broker can help you understand what information a lender may require and what steps you can take to prepare.
The documents required can depend on your employment and financial circumstances. PAYG employees will generally need to provide recent payslips and evidence of their income and savings. Self employed borrowers may need to provide tax returns, financial statements and other business documentation. MDC Finance Group can explain what documents you may need for your situation and help you prepare before submitting an application.
Buying a property includes more than just your deposit and home loan repayments. Buyers should also consider costs such as stamp duty, conveyancing and other property related expenses. Knowing these costs before you start looking at properties can help you set a more realistic budget and avoid unexpected expenses later in the process.
MDC Finance Group has access to more than 60 lenders. Important to note that access to a large range of lenders does not mean every lender will suit every borrower. Marco’s approach is to filter the options and focus on lenders that suit the customer’s financial circumstances, preferences and loan requirements. This can make the process easier to understand without inundating you with unnecessary choices.
Getting prepared before you start seriously looking for a property can make the buying process much easier. At MDC Finance Group, we call this being buy ready. Talking with your mortgage broker and getting pre approval, where appropriate, can help you understand your borrowing position before you become emotionally attached to a property. If you attend an auction or find a home you want to purchase, having your finance in place can also give you greater confidence when making an offer or negotiating.
Ideally, speak with a mortgage broker before you start attending open homes or auctions. This gives you time to understand your borrowing position, review your finances, organise the required documents and discuss your available lending options. At MDC Finance Group, the focus is on helping you become buy ready. Whether you are a first home buyer or purchasing another property, starting the conversation early can help you understand the steps involved and prepare your finances before you find the right home.