Refer a Client

Getting started is straightforward. You can reach out to Mortgage By Design by phone, email, or through the website to book an initial consultation. This first conversation is all about getting to know you, understanding your situation, and finding out what you are hoping to achieve. There is no obligation involved in having an initial chat, and Sasha welcomes enquiries from people at all stages of their property journey, whether you are just starting to think about buying, ready to apply, or looking to review an existing loan. From Newcastle to across Australia, Mortgage By Design is here to support you. The approach is always personalised, and Sasha will never rush you or push you in a direction that does not feel right for your circumstances. Sasha looks forward to hearing from you.

In most cases, there is no direct cost to you for using the services of a mortgage broker. Mortgage brokers are typically paid a commission by the lender once a loan settles. This means you can access professional guidance and support throughout the loan process without paying out of pocket for the broker's time. At Mortgage By Design, Sasha is transparent about how Mortgage By Design is paid and will always explain this to you clearly before you proceed. It is important to Sasha that you feel informed and confident about the process. If there are any situations where a fee may apply, Sasha will discuss this with you upfront so there are no surprises along the way.

Not at all. While Mortgage By Design is proudly based in Newcastle, NSW, Sasha works with clients right across Australia. Thanks to technology and the ability to communicate via phone, email, and video call, Mortgage By Design is well set up to support clients no matter where they are located. Whether you are in regional New South Wales, a major city, or somewhere more remote, Sasha can assist you with your home loan or mortgage needs. Sasha believes that everyone deserves access to quality mortgage broking services, regardless of where they live. If you are outside of Newcastle and wondering whether Sasha can help, the answer is yes. Simply reach out and Sasha will be happy to have a conversation about how to support you.

When you go directly to a bank, you are only seeing the products that one lender offers. A mortgage broker like Mortgage By Design has access to a wide panel of lenders, which means Sasha can present you with a broader range of loan options to consider. Sasha works for you, not the lender. Sasha's job is to understand your circumstances and help you find a loan that suits your situation, rather than simply selling you a product. Sasha also saves you considerable time and effort by managing the research, application, and communication process on your behalf. For clients in Newcastle and across Australia, having Sasha in your corner means you have support and guidance at every step of the journey.

A mortgage broker acts as the go-between for you and a range of lenders, including banks, credit unions, and other financial institutions. Rather than you having to approach each lender individually, a mortgage broker does the legwork on your behalf. At Mortgage By Design, Sasha takes the time to understand your financial situation, your goals, and what you are hoping to achieve. Sasha then researches suitable loan options from a panel of lenders and presents you with choices that may align with your needs. Sasha handles the paperwork, liaises with lenders, and guides you through the entire process from your initial enquiry right through to settlement. Having someone in your corner who knows the lending landscape can make a real difference to your experience.

Absolutely. Buying your first home is one of the most significant financial decisions you will make, and having the right support can make a meaningful difference to your experience. At Mortgage By Design, Sasha loves working with first home buyers and takes pride in making the process as clear and straightforward as possible. Sasha takes the time to explain how home loans work, what to expect at each stage, and what options may be available to you. Sasha can also help you understand government schemes and grants that may be available to first home buyers in New South Wales and across Australia, such as the First Home Owner Grant or stamp duty concessions, so you are aware of what assistance you may be eligible for. You do not need to have all the answers before reaching out. Sasha is here to help you learn and feel confident.

Mortgage By Design can assist with a wide range of lending needs. This includes loans for people purchasing their first home, those looking to refinance an existing loan, property investors, and people looking to build or renovate. Sasha also works with clients who are self-employed or who have more complex financial situations that may not fit the standard lending criteria of a major bank. Every client's situation is unique, which is why Sasha takes a personalised approach to understanding your needs before exploring what options may be available. If you are unsure whether your situation is something Sasha can help with, Sasha encourages you to get in touch. Sasha is always happy to have an initial conversation to see how best to assist you.

The timeline for a home loan can vary depending on a number of factors, including the complexity of your financial situation, the lender's processing times, and how quickly all required documents can be gathered. In general, once a formal application is submitted, lenders can take anywhere from a few days to a few weeks to provide a formal approval. At Mortgage By Design, Sasha works hard to keep the process moving efficiently by preparing your application thoroughly and maintaining regular communication with the lender on your behalf. Sasha will keep you updated at each stage so you always know where things stand. If you have a specific settlement date or timeline in mind, it is worth discussing this with Sasha early so a plan can be made accordingly.

Refinancing means replacing your current home loan with a new one, either with your existing lender or a different one. People choose to refinance for a variety of reasons, such as wanting to access equity in their property, consolidate debts, change their loan structure, or simply to review whether their current loan still suits their needs. It is worth noting that refinancing is not the right move for everyone, and there can be costs involved such as exit fees or application fees depending on your current loan and the new one you are considering. At Mortgage By Design, Sasha can help you understand what refinancing involves and whether it may be worth exploring based on your individual circumstances. Sasha always encourages clients to make informed decisions that are right for them.

While the exact documents required can vary depending on your situation and the lender, there are some common items that are typically needed. These include proof of identity such as a passport or driver's licence, recent payslips or evidence of income, tax returns if you are self-employed, bank statements, and details of any existing debts or financial commitments. If you are purchasing a property, you will also need a copy of the contract of sale. At Mortgage By Design, Sasha will walk you through exactly what is needed for your specific situation so you are not left guessing. Being well prepared with your documents can help speed up the application process and reduce any unnecessary delays.