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Happy Home Loan
Who are we?
Happy home loan is a team of highly experienced brokers have come go together in a collaborative team environment, with the view to foster and share ideas, encourage and explore new opportunities in 2016.
Happy home loan uses Connective, a major Australian aggregator with numerous awards under its belt, including Aggregator of the Year in years 2012-2016. Connective deliver highly competitive loans with attractive interest rates from over 60 lenders.
Happy home loan holds its own Australian Credit Licence, which allows us to broker with variety of lenders in addition to those offered by Connective
Principal partners, Shane Duggan and lily wei have over 10 years mortgage broking experience between them after working for other major operators including Wizard Home loans, Loan Market, Assured Home Loans and Sovereign Finance.
Our team offers a range of loans from Owner Occupied Home loans to Investment, Commercial and Construction Loans, as well as Asset Finance and a range of Insurance products.
Popular amongst the many types of loans are those for the First Home Buyer, Bridging Loans and Standard & Variable Fixed Rate Loans.
Why Choose us?
We have one of the largest ranges in Australia, with thousands of loans from over 60 lenders, offering highly competitive rates, fair fees, great products and services with great value for the customer.
We are responsible and ethical brokers, listening to the client’s needs, offering products that suit.
We have satisfied customers from the small investor, through to large developers and overseas investors.
About Us
INVESTMENT LOANS
FIRST HOME BUYERS
FIRST HOME BUYERS
Investment loans are structured in a specific way to allow you to make the most of your capital and assets. We can help you to formulate an investment plan that works toward building your wealth and securing your financial future. We will then work with you to help ensure your finances are always working optimally to help you achieve you
Investment loans are structured in a specific way to allow you to make the most of your capital and assets. We can help you to formulate an investment plan that works toward building your wealth and securing your financial future. We will then work with you to help ensure your finances are always working optimally to help you achieve your goals.
For some, the future may seem a long way off, but the time to act is now because when it comes to making a profit from investing in property, time is your friend. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches. But over time, property values have proven to rise fairly consistently. That’s why a long-term investment strategy is considered to offer the investor the lowest risk.
FIRST HOME BUYERS
FIRST HOME BUYERS
FIRST HOME BUYERS
A home buyer can obtain financing (a loan) from a financial institution to purchase a property by using a mortgage broker. First home buyers may enjoy a grant from the government to assist with their first home purchase and we can also help to ensure you receive any entitlements.
The features of your loan – such as the size of the loan, ma
A home buyer can obtain financing (a loan) from a financial institution to purchase a property by using a mortgage broker. First home buyers may enjoy a grant from the government to assist with their first home purchase and we can also help to ensure you receive any entitlements.
The features of your loan – 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. When you’re a first home buyer, it’s always best to speak with a mortgage broking professional to determine the loan that is right for you and help you to understand everything you should know about the home buying process.
COMMERCIAL LOANS
FIRST HOME BUYERS
COMMERCIAL LOANS
Commercial loans may be used for a wide variety of purposes, from purchasing commercial property to providing funds for business use.
Smaller businesses frequently require financing to operate, expand and grow and do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financi
Commercial loans may be used for a wide variety of purposes, from purchasing commercial property to providing funds for business use.
Smaller businesses frequently require financing to operate, expand and grow and do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. We can assist with a variety of commercial funding options, including renewable loans that can be used to finance a company’s immediate working capital needs, as well as asset finance or leasing options for plant and equipment, and much more. These financing options can be large or small scale. Simply talk to us about your needs and goals and we’ll help you to explore your options.ike to show.
HONEYMOON LOANS
HONEYMOON LOANS
HONEYMOON LOANS
A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the honeymoon period, the loan becomes a standard variable rate loan and the repayments usually increase. If you are planning to take advantage of a honeymoon rate, you will need to make sure that you can meet the higher repayments for
A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the honeymoon period, the loan becomes a standard variable rate loan and the repayments usually increase. If you are planning to take advantage of a honeymoon rate, you will need to make sure that you can meet the higher repayments for the remainder of the loan once the honeymoon period is over. You could also be faced with a fee at the end of the honeymoon period to switch to another loan option.
BRIDGING LOANS
HONEYMOON LOANS
HONEYMOON LOANS
A bridging loan is often used by home owners who are moving on to their next home. A bridging loan is usually a short-term loan that is used when it is necessary to cover the gap between buying your next property before the existing one is sold. This finance is generally secured against your property and allows you to utilise the equity
A bridging loan is often used by home owners who are moving on to their next home. A bridging loan is usually a short-term loan that is used when it is necessary to cover the gap between buying your next property before the existing one is sold. This finance is generally secured against your property and allows you to utilise the equity in your existing property. Bridging loans usually carry a much higher interest rate than other types of loans, so if you believe you may need financing for a longer period, talk to us about your other options.
LIFE INSURANCE
HONEYMOON LOANS
HOME AND CONTENTS INSURANCE
- Life insurance is a way of helping to protect your family's financial future and can provide much needed security in times of uncertainty.
Our Life Insurance pays a lump sum in the event of your death or if you’re diagnosed with a Terminal Illness, which can help support your family when you’re no longer around to provide for them. The lum
- Life insurance is a way of helping to protect your family's financial future and can provide much needed security in times of uncertainty.
Our Life Insurance pays a lump sum in the event of your death or if you’re diagnosed with a Terminal Illness, which can help support your family when you’re no longer around to provide for them. The lump sum payment can be used for any purpose and can help your loved ones cover things like debts and living expenses at a time when they may need it most.
HOME AND CONTENTS INSURANCE
HOME AND CONTENTS INSURANCE
HOME AND CONTENTS INSURANCE
- Home and Contents Insurance conveniently combines building-only and contents-only insurance. It covers a range of insured events, such as fire, theft or attempted theft, storms and lightning. It offers homeowners repair or replacement of damaged property, as well as the contents inside that property.
VEHICLE INSURANCE
HOME AND CONTENTS INSURANCE
BUSINESS INSURANCE
- Vehicle insurance, also known as auto insurance, car insurance, or motor insurance, is designed to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It can also offer financial protection against theft of the vehi
- Vehicle insurance, also known as auto insurance, car insurance, or motor insurance, is designed to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It can also offer financial protection against theft of the vehicle and damage sustained from events other than traffic collisions, such as natural calamities, vandalism, or contact with animals.
BUSINESS INSURANCE
HOME AND CONTENTS INSURANCE
BUSINESS INSURANCE
- Business insurance is an essential safeguard for companies, ensuring they can operate without fearing the unexpected. From property damage to employee-related risks, our business insurance policies are designed to address a wide range of vulnerabilities your company might face, keeping you, your assets, and your workforce protected.