Home loan & mortgage brokers

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We present your Sydney application to suit the way you actually live and the deposit you've built, so it lands with lenders comfortable with your circumstances. As your family and your plans grow, we're here for the next purchase and the one after that. Every figure is subject to serviceability, lender appetite and approval.

As a general guide, a deposit of around 20 per cent of the purchase price lets you avoid Lenders Mortgage Insurance, but you do not always need that much. Many first home buyers get in with a smaller deposit, with LMI or a government scheme covering the gap. We look at your savings and goals and compare lenders to find the right path for you.

Lenders Mortgage Insurance is a one-off cost that protects the lender, not you, when your deposit is below the level they prefer. It lets you buy sooner with a smaller deposit. You can often reduce or avoid it with a larger deposit, a government scheme, certain professional waivers, or by choosing the right lender. We compare your options and find the path that works best for you.

It depends on where you are buying and what you are buying. The grant is most commonly available for new homes, and eligibility usually considers the property value, whether it is your home and whether you have owned property before. Grants and concessions vary by state and territory, and depending on your state they can be worth up to tens of thousands of dollars. We help you understand what may apply to your purchase.

A fixed rate locks in your repayments for a set period, which gives you certainty. A variable rate moves with the market and usually offers more flexibility, such as extra repayments and offset accounts. Some borrowers split their loan to get a bit of both. There is no single right answer, so we talk through how each option fits your plans and help you decide what suits you.

Pre-approval can often come through within a few days once we have your documents together. Full approval after you have found a property depends on the lender and the property valuation, but it usually follows soon after. We give you a realistic timeline upfront and keep things moving so you are not left waiting.

In most cases, our service does not cost you anything. We are paid a commission by the lender once your loan settles, so you get our support comparing more than 30 lenders and managing the process at no charge. If anything unusual applies to your situation, we will always be upfront about it before any work begins.

Yes. Self-employed buyers and those with a smaller deposit are very common, and different lenders assess them differently. Some are far more flexible than others on how they treat business income or a low deposit. We compare lenders across our panel to find the one most likely to suit your situation.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever in Australia you are buying, we can arrange your home loan.