Kandid Loans

Have you ever wondered if your current home loan is still the best fit for your financial goals? As life changes, so should your mortgage. Whether you're aiming to lower your interest rate, unlock equity, or simply switch lenders, home loan refinancing can be a smart financial move. At Kandid Loans , your trusted independent mortgage broker in Sydney , we specialise in helping you find the right refinancing option — including access to private finance solutions that traditional banks often overlook. What Is Private Home Loan Finance? Private home loan finance refers to mortgage solutions provided by non-bank lenders and private institutions. These lenders provide quicker approval times and more flexible criteria than traditional banks. For borrowers with less-than-perfect credit, self-employed people, or those with many sources of income, this can be extremely helpful. At Kandid Loans, we work with a wide network of private financiers and alternative lenders across Australia. Th...

Buying your first home is one of life’s biggest milestones—but for many Australians, saving a large deposit can be a major hurdle. That’s where the First Home Loan Deposit Scheme (FHLDS) comes in. At Kandid Loans , your trusted independent mortgage broker in Sydney , we help first-home buyers access government-backed schemes, competitive home loan interest rates in Australia , and personalised lending solutions that make homeownership a reality. What is the First Home Loan Deposit Scheme? The First Home Loan Deposit Scheme (now part of the Home Guarantee Scheme ) is a federal government initiative designed to support first-time buyers by reducing the deposit needed to purchase a home. Traditionally, lenders require a 20% deposit to avoid paying Lenders Mortgage Insurance (LMI). With this scheme, eligible buyers can purchase a home with as little as 5% deposit , with the government acting as a guarantor for the remaining 15%. At Kandid Loans , we guide you through the application proce...

When it comes to buying a home or refinancing your current loan, navigating the mortgage landscape can feel overwhelming. With banks, lenders, and online platforms all offering different products and rates, how do you choose what’s best for your financial future? That’s where an independent mortgage broker in Sydney —like Kandid Loans —comes in. What Is an Independent Mortgage Broker? You can connect with a variety of lenders through an independent mortgage broker. Independent brokers work for you, not the lender, in contrast to bank representatives who are only able to market their own goods. Their objective is to identify the ideal mortgage option for your particular financial circumstances.  At Kandid Loans , we have access to a broad panel of lenders—from big banks to specialist lenders—ensuring we find the most competitive deal that suits your needs. Benefits of Working with an Independent Mortgage Broker in Sydney Sydney’s property market is dynamic, competitive, and fast-pac...

Buying your first home is one of life’s most exciting milestones—but it can also be one of the most overwhelming. From loan applications to understanding government grants and comparing lenders, it’s easy to feel lost in the process. That’s where a professional mortgage broker can make all the difference—especially if you’re buying in North Rocks or anywhere in the Hills District of Sydney, Australia . At Kandid Loans , we specialise in helping first home buyers navigate the complex home loan journey with confidence, clarity, and tailored solutions that work. Why Use a Mortgage Broker as a First Home Buyer? A mortgage broker acts as a middleman between you and the banks or lenders. Unlike a bank that offers you just their own loan products, a mortgage broker has access to a wide panel of lenders—giving you more choices, better rates, and expert guidance throughout the process. 1. We Explain the First Home Buyers Scheme If you're a first-time buyer, you may be eligible for several g...

  When it comes to securing a mortgage, working with a reputable mortgage broker in North Rocks can make all the difference. A good broker can help you navigate the complex world of home loans, ensuring you find the best deal for your needs. However, to get the most out of your broker, it's essential to ask the right questions. In this blog, we'll explore the top 5 questions to ask your mortgage broker in North Rocks, and how Kandid Loans can help. 1. What Experience Do You Have with Loans Similar to Mine? Understanding your broker's experience with loans similar to yours is crucial. Ask about their success rate with loans for first-home buyers , investors, or those with credit issues. 2. What Loan Options Are Available to Me? A good broker should be able to present you with a range of loan options from various lenders. Ask about the different types of loans, interest rates, and features available. 3. How Will You Help Me Compare Loan Options? Your broker should be able to...