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GROW Home Loans.

Pulse Property have established a partnership with GROW Home Loans, a respected local mortgage broker specializing in financing solutions for homeowners and investors alike. Our collaboration aims to save you time and money providing you with the most cost-effective finance options so that you can confidently take the next step in your property journey.


Every Pulse client now has access to competitive interest rates, accelerated loan approval processes, and an enhanced level of service and guidance that surpasses industry standards. GROW Home Loans strive to provide comprehensive support and advice, elevating the experience for all our valued clients. With over 80 lenders to choose from, including all of Australia’s leading lenders, GROW Home Loans are able to meet your personal and financial objectives with the right finance solutions.


Why GROW Home Loans?

GROW Home Loans are property finance specialists with access to over 80 lenders including Australia’s major banks.

Choosing GROW Home Loans means:

• Your Mortgage broking services are 100% free for you as the borrower
• You will have access to an extensive range of loan products
• GROW Home Loans will negotiate on your behalf (and find you the best deal)
• The paperwork and process will be seamless
• You will be informed and empowered to make decisions from start to finish
• You will receive Personalized Service based on your needs and unique situation & stage of life
• Put simply – The GROW Home Loans team will save you time, money and keep the process stress free.

GROW Home Loans understand that things change, and getting the best loan to suit your needs is more important than ever. Settling on an ill-suited loan decision could cost you thousands in extra interest and reduce your flexibility if your circumstances change.

With so many lenders to choose from, GROW Home Loans are able to meet your personal and financial objectives with the right finance options.

How much can I borrow?

When it comes to determining how much you can borrow for a home loan, several factors come into play. GROW Home Loans consider your income, employment situation, the amount of deposit you have saved, your current living expenses, and your existing financial obligations.

To get a rough idea of how much you may be eligible to borrow, you can use GROW Home Loans handy borrowing calculator. This provides an estimate based on the information you input. However, keep in mind that it is always best to have a more accurate assessment completed – and that’s where the team at GROW Home Loans comes in.

Whether you are simply researching, ready to secure a loan now, call our team for a friendly chat and together we can delve deeper into your unique circumstances. We understand that everyone’s financial situation is different, so by having a conversation, we can provide you with a more accurate picture of exactly how much you can borrow.

Which lenders and products GROW Home Loans have access to?

We have access to over 80 lenders including Australia’s major banks. What that mean’s for you? Well, it means we can shop around and explore different loan options from various lenders to find the best loan for your unique needs and objectives.

What’s the big deal? This means we give you more choices. We understand that everyone’s situation is unique, and what works for one person may not work for another. That’s why we take the time to understand your specific circumstances and financial goals. Then, armed with that knowledge, we can evaluate the options and present you with a range of loan choices that are tailored to you.

Our goal is to find a loan that not only fits your financial needs but also aligns with your long-term goals. Whether you are a first-time homebuyer, looking to refinance, or expanding your property portfolio, we’ve got you covered.

By having access to multiple lenders, we can compare interest rates, loan features, and repayment terms, ensuring you have all the information you need to make an informed decision. We will guide you through the process, explaining each option, so you feel confident and empowered every step of the way.

When is a good time to renegotiate my mortgage?

Common scenarios to help you review and find better financing options include:

When your current fixed mortgage term is ending: As your existing mortgage term approaches its expiration date, it presents an opportunity to reassess your financial goals and evaluate the market conditions. You can explore different lenders and mortgage products to determine if there are better options available that align with your current needs and goals.

Interest rates have significantly changed since you obtained your current mortgage: Whether interest rates have significantly increased or decreased, you could be outlaying hundreds even thousands more per annum in interest than you need to. Our role is to review the market to keep any extra savings in your pocket.

You need to access equity locked in your home: Perhaps it’s time for those long put off home renovation, or maybe it’s time to leverage your home’s equity to invest in other assets and property, or you may simply be consolidating your debt. Renegotiating your mortgage may allow you to tap into your home equity.

When your financial institution offers attractive promotions: Keep an eye out for promotional offers from your current lender and other financial institutions. These limited-time promotions can offer you incentives such as reduced interest rates, fee waivers, or other favorable terms that make renegotiating your mortgage beneficial.

Your financial situation improves: Ranging from a big promotion at work, selling a business or significant asset, receiving inheritance, or taking other steps to improve your credit score these are all scenarios in which you may be in a better position to negotiate improved terms and loan options. This could include securing a lower interest rate, extending the mortgage term, or adjusting the repayment structure. Keeping your best interests at the center of our objective we carefully evaluate the costs associated with renegotiating your mortgage, such as potential penalties or fees, and compare them against the potential savings or benefits you may gain. We aim to help you make informed and empowered decisions based on the most competitive offerings available in line with your specific financial situation and goals.

Why should I use a mortgage broker when I can go with a bank?

Each bank or lender has a variety of loan products available, ranging from low doc loans to package loans, fixed-rate loans to interest-only options, and many more. However, if you go directly to a bank, you will be presented with only their loan offerings – which can be limited. That’s where we come in as your mortgage broker. We have access to multiple over 80 lenders and their entire range of loan products,  ensuring you have a comprehensive selection to choose from that matches your personal financial circumstances and goals.

As your mortgage broker, we do all the legwork to find the right loan for you. We understand that navigating the lending landscape can be overwhelming, but our expertise and connections with various lenders allow us to simplify the process.

We take the time to understand your needs and preferences, evaluating loan options from different lenders to present you with tailored options.

By working with us, you gain a valuable resource in finding the best loan for you. We provide clear explanations, demystifying the jargon and complexities associated with loans. Our goal is to empower you with knowledge and options, so you can make an informed decision with confidence. Don’t limit yourself to the offerings of a single bank when you can leverage industry expertise and access to multiple lenders.

Why use a Mortgage Broker?

While obtaining a mortgage directly from a bank or lender is an easy option, it could cost you thousands in extra repayments. Engaging a Mortgage Broker such as GROW Home Loans offers you the following advantages:

  • Personalized service – we take the time to understand your situation and objectives
  • Negotiation power – we negotiate on your behalf and have access to a broad range of lenders
  • Objective advice – we are not bound by specific lenders
  • Expertise and market knowledge – we know where to look and what to look for, we have you covered with all the tricky “fine print”
  • Save you time, effort and stress – who doesn’t need more of this in their life?
  • Ongoing support and adapt finance options to your changing circumstances – we stay in touch and monitor the market to see if things change what might be of benefit to you in different market conditions and as your personal situations change

Here are some reasons why you should consider using a mortgage broker instead:

Access to Multiple Lenders: A bank can only offer you their own mortgage products, limiting your options. By comparison, a mortgage broker has access to a wide network of lenders. This means you will be presented with a range of loan choices in addition to negotiating competitive interest rates and terms on your behalf.

Expertise and Market Knowledge: Mortgage brokers specialise in mortgages and have in-depth knowledge of the lending market. This expertise allows them to assess your unique financial situation and recommend the most suitable financing options for your needs.

Save Time & Effort: Searching for the right mortgage can be time-consuming and overwhelming. A mortgage broker handles the research and all other details, saving you time and effort while ensuring a smoother and more efficient transaction.

Personalised Service: Mortgage brokers provide personalized service tailored to your specific financial goals and circumstances.

Negotiation and Advocacy: Mortgage brokers have relationships with lenders and experience negotiating and securing better terms and rates than individuals can obtain on their own.

Objective Advice: Unlike bank loan officers who work for the bank and have sales targets to meet, mortgage brokers work for you.

Ongoing Support: A mortgage broker’s service doesn’t end once you secure a loan. They can assist with refinancing, provide guidance on mortgage management, and help you navigate changes in your financial circumstances. They remain a valuable resource for ongoing mortgage advice and support.


Tony Caine
Director; GROW Home Loans

0419 444 507


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