TAP Mortgage Solutions - Experts in Mortgage Broking and Lending

Get into your home with finance organised by us

How can we help you today?

Rated 5 from 64 Reviews

First Home Buyers TAP Mortage Solutions

First Home Buyers

Understand your loan options plus and incentives on offer to get into your home sooner
Home Loans TAP Mortage Solutions

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Investment Loans TAP Mortage Solutions

Investment Loans

We have access to hundreds of Investment Loan options, let us help you with your loan

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Our Services

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Find out more about Home Loans

Investment Loans

We have access to hundreds of Investment Loan options, let us help you with your investment loan
Find out more about Investment Loans

Refinancing

Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loan options
Find out more about Refinancing

First Home Buyers

We can help you understand what grants and discounts you're eligible for and get you into your first home
Find out more about First Home Buyers

Construction Loans

Turn your building plans into a reality with a construction loan
Find out more about Construction Loans

Commercial Loans

Time to grow your business? Learn how a Commercial Loan can help fund your business growth
Find out more about Commercial Loans

Business Loans

Time to grow your business? We can help you grow with a Business Loan
Find out more about Business Loans

Equipment Finance

Need to buy a vehicle or equipment? We can help with Equipment Finance
Find out more about Equipment Finance

Reviews for TAP Mortgage Solutions

TE

Tegan Edmondson

10/10 It is always such a pleasure working with Troy. He provides us with such amazing service with excellent communication! Highly recommend Troy and will continue to use him well into the future.

DD

Douglas Drinkwater

As first-time buyers, Troy went beyond our expectations, not only finding us the best financing to suit us. His advice also through this journey was outstanding, finding us a brilliant solicitor, helping us deal with a difficult agents and all other aspects was fantastic. Would highly recommend.

NP

Nigel Philp

Troy and Cas were amazing to work with. Communication and support was top notch for the entire two year process for my off the plan house and land purchase. I highly recommend TAP mortgage solutions and will be using them again for my next purchase.

Not sure where to start?

Book a chat with a Mortgage Broker at TAP Mortgage Solutions and we can help point you in the right direction.

TAP Mortgage Solutions Team

About TAP Mortgage Solutions

TAP Mortgage Solutions was founded in 2022 by Troy Powell, a seasoned Mortgage Planner with over 20 years of industry experience. At TAP Mortgage Solutions, we are committed to delivering personalised service.

You should think of us a professional resource in the same way you think of your accountant, financial planner or solicitor. We will work with you and your service providers (real estate agent, conveyancer and lender) during your purchasing or refinancing process, while ensuring you obtain the finance that best suits your circumstances and needs.

We strive for excellence in all that we do and look forward to helping you reach your finance goals. We believe that loan products should be easy to understand, easy to access and allow you peace of mind.

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Frequently Asked Questions

Should I go with a fixed rate loan or variable rate loan?

A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”. We do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty, take a fixed rate loan, if you want both, then do a split loan.”

Why should I use a Mortgage Broker if I can go directly to a bank?

Lenders will only sell you their own products. Each bank (or lender) has a variety of loan products on offer – low doc, package loans, loans with re-draw facilities, plant and equipment loans, fixed rate loans, interest only, interested in advance, variable, introductory variable… and so on. The issue you face as a consumer is ‘which loan is right for me?’ And that is where your mortgage broker becomes an invaluable resource!

If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals.

Which lenders do you deal with?

We are Connective Brokers and we have access to many lenders. This means we can source you a loan from different lenders to provide you with a variety of options that are suitable for you and your situation.

How much can I borrow?

There are specific factors that need to be considered when determining how much a customer can borrow, such as income, employment position, the deposit saved, current living expenses and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.

Who sets interest rates?

Mortgage brokers do not set rates. The Reserve Bank of Australia meet on the first Tuesday of every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Lenders also adjust their rates according to their costs and other economic considerations.

Is using a broker more expensive than going direct the bank?

Some brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same. These costs depend on the loan and lender you choose. If you want to save on loan costs, just tell us. We can locate loan products from the lenders with the lowest fees and charges.

What does a Mortgage Broker do?

Mortgage brokers are qualified finance industry professionals. They work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for you. Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with a suitable finance solution to help you achieve your goals. With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender.

Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products from different lenders to find a loan that’s just right for you.

Do you charge fees for home and investment loans?

Some mortgage brokers charge a fee for their services and some don’t. When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate. Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.

Do you recommend the lender that pays the most commission?

Absolutely not. First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender. Our job, our only job, is to find a competitive loan for your needs and objectives.

I am not in your area, can we still work together?

Sure thing! We are mobile brokers so we can come to you.

What loan should I get?

The primary advantage of using a broker for financing large purchases beyond property is the ability to secure finance tailored to your specific financial circumstances and needs. For depreciating assets, the right financing can potentially save you money on interest and fees or help maximise your tax benefits.

Not sure what type of loan suits your current financial situation? That’s where we come in. We provide customised finance solutions selected from a panel of leading lenders, ensuring your loan is working in your best interest. Contact us today to discover how we can assist you.

Ready to speak to an expert?

Book a chat with a Mortgage Broker at TAP Mortgage Solutions today.