Originating from an extensive asset finance background with a growing customer base built over 30 years. Key Mortgage Brokers (KMB) have built an experienced mortgage broker team that aims to assist our customers and beyond with the same personalised service to each and every client with mortgage loans.
At KMB, our goal is to make the home buying process as simple and stress-free as possible. We understand that securing a mortgage can be overwhelming, which is why our team is here to guide you through every step of the process.
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We pride ourselves on understanding your unique financial situation and tailor a solution that fits your needs. Whether you're a first-time home buyer, commercial property buyer, seasoned investor or looking to refinance, we have the expertise and resources to help you achieve your goals.
Our commitment to transparency and fairness means you can trust us to provide unbiased advice and support throughout your mortgage journey. We believe in building long-term relationships with our clients, and we're proud to say that many of our clients have come back to us time and time again for their lending needs.
Let us help you navigate the mortgage process with confidence and ease. Get in touch with us today to schedule a consultation with one of our trusted brokers.
Patrick is a highly experienced professional with extensive knowledge and expertise in the finance industry. Holding a Bachelor of Commerce in Entrepreneurship and Psychology, as well as a Diploma of Financial Services and Cert IV of Finance and Mortgage Broking, Patrick brings a wealth of skills and qualifications to the table.
He has a proven track record of providing market-leading customer service in asset finance, and has now extended his expertise to the mortgage space. Patrick has built relationships with a plethora of lenders to achieve the best outcomes for our clients.
Backed by an in-depth experience in the finance industry, Patrick is committed to providing a seamless and effective experience for our current and future clients.
Michael Kokozian is an energetic professional with a lifelong passion for the finance trade. He has over twenty years of experience in the sales industry, showcasing a successful history of finding tailored solutions for clients of all walks of life.
Michael is highly skilled in business development, negotiation, contracts and tenders, customer service, sales, procurement and financial broking. Michael has a passion for people. He has a genuine interest in helping clients find the financial solutions for their unique requirements. He is assertive and proactive with developing mutually beneficial relationships with our referral partners which affords us the ability to provide a pleasant and efficient experience for our clients.
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Self-Managed Super Funds (SMSFs) can be a great option for those who want more control over their superannuation investments and a more hands-on approach to managing their retirement savings. However, it's important to note that SMSFs come with a range of legal and compliance requirements, so it's important to seek professional advice before setting one up. Talk to our experts to discuss your eligibility and investment options if you have considered this is a fit for you.
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.
