Mortgages and Loans
Your home loan should work as hard as you do.
First home, next move, refinance or investment property?
Whatever stage you are at, FMS Group makes lending simpler and less stressful. We listen to what you are trying to achieve, compare suitable options from our lender panel, explain the trade offs in plain English and stay with you from application through to settlement.
Based in Long Jetty and Pymble, our team works with clients across the Central Coast, Sydney’s North Shore and beyond. Because FMS Group also brings together accounting, financial planning, SMSFs, retirement planning and debt management, your loan does not have to sit in isolation. Where appropriate, it can form part of the bigger picture of where you are heading financially.
BOOK A FREE INITIAL LENDING CONSULTATION
A Local Mortgage Broker Who Looks at the Bigger Picture
A home loan is one of the biggest financial commitments you will ever make, and it should not feel like a rushed decision. Yes, the interest rate matters. But so do the structure, fees, flexibility, features and whether the repayments actually work with the rest of your life.
At FMS Group, we start with you, not the loan. We listen to what matters right now and what you are working towards, then walk you through options that may suit you in plain English, without the jargon overload.
Our approach is practical, responsive and straightforward, with clear explanations and real support the whole way through. If you already use other FMS Group services, we can also help coordinate your lending with relevant accounting and financial planning considerations, so the pieces can work together rather than in isolation, subject to the advice and services appropriate to your circumstances.
How Can FMS Group Help With Your Home Loan?
First Home Buyers
Buying your first property can feel like a lot. We can help you make sense of deposits, borrowing capacity, loan features, lender requirements and any government assistance you may be eligible for, subject to eligibility.
Home Buyers & Upgraders
Ready for your next home? We can help you understand your borrowing options and manage the lending side of the move, including bridging finance where that is relevant to you.
Refinancing
Had the same home loan for a while? It may be time to check whether the rate, fees, structure and features still stack up. We can compare your current loan against suitable alternatives and walk you through the real costs and potential benefits before you decide anything.
Investment Property Loans
Buying your first investment property or adding to your portfolio? We can help you compare lending options and structure the loan around your circumstances and goals. Where appropriate, we can also coordinate with your accountant or financial adviser.
Using Equity
Have equity in your home? It may be possible to use it for renovations, another property or other major goals. We can help you understand the lending options and what they may mean before you commit.
Debt Consolidation & Loan Restructuring
In some circumstances, rolling higher interest debts into a different loan structure can simplify repayments or improve cash flow. It is not right for everyone, so we help you weigh the total cost, loan term and risks carefully.
Self Employed Borrowers
Running a business means your income may be assessed differently. We can help you understand what lenders are likely to want to see and prepare your application around your circumstances.
Construction & Renovation Lending
Building or renovating? We can help you explore loan structures that may suit staged payments and your project timeline.
Let’s Talk About Your Next Move
Whether you’re buying, refinancing or planning ahead, FMS Group can help you understand your lending options and what to do next. Get in touch to discuss your circumstances, ask questions and explore what may suit your goals.
Why Use FMS Group as Your Mortgage Broker?
More choice than going straight to one bank
We compare suitable options across a broad panel of banks, credit unions and specialist lenders, rather than limiting you to the products of one institution.
Straight answers, no jargon
We explain rates, fees, features and trade offs in plain language, so you understand what you are considering and can make an informed decision.
We handle the paperwork so you do not have to
From gathering documents and preparing the application to liaising with the lender and keeping you in the loop, we take much of the admin off your plate.
Your whole financial picture, in one place
FMS Group also provides accounting, financial planning, SMSFs, retirement planning, estate planning, risk management and debt management. Where relevant, your lending can be considered alongside your broader financial goals rather than in isolation.
Local, and here for the long run
FMS Group is family owned, with three generations working side by side. Our philosophy is simple: our family looking after your family. With offices in Long Jetty and Pymble, we build relationships that last, so you have people who know your story as your life and finances change.
We do not disappear after settlement
A loan that suited you a few years ago may not suit you now. We can stay in touch and review your lending as your circumstances and the market change.
What Happens When You Work With FMS Group?
1. Tell us what you are trying to achieve
We start with a conversation about your property plans, your financial position and what matters most to you right now.
2. We dig into your lending needs
We look at your income, deposit or equity, existing debts, loan purpose and the features that actually matter to you.
3. We compare your options
We research relevant options across our lender panel and break down the differences in rates, fees, features and lending criteria, so you are not left trying to compare everything on your own.
4. You decide how to proceed
We give you the information you need to make an informed decision. If you are ready to go ahead, we prepare and submit the application.
5. We handle it through to settlement
We liaise with the lender and other parties where required, keep you in the loop and answer questions along the way, so you are not left wondering what is happening.
6. We stay in touch
Life changes, and so can your loan. We can check in over time to help make sure it continues to support what you are trying to achieve.
Buying Your First Home?
Your first home loan comes with a lot of questions. How much deposit do you actually need? What can you realistically afford to borrow? Fixed, variable or split? Do you need lenders mortgage insurance? Are you eligible for any first home buyer assistance?
FMS Group can help you work through these questions, understand lender requirements, prepare for pre approval and get a clearer picture of your borrowing position before you start inspecting properties. No guesswork, no jargon and fewer surprises halfway through the process.
Thinking About Refinancing?
Refinancing can be worth a look when your circumstances have changed, your current loan is no longer competitive, you want different features or you simply have not reviewed it for a while.
A lower advertised rate does not automatically mean you will be better off. We look at the full picture, including fees, break costs where relevant, remaining loan term, features and the total cost of the proposed loan, so you can compare properly rather than just chasing a headline number.
Property Investment Lending
Your investment lending needs to work with your broader financial strategy, not just get you into the next property. We help investors compare loan structures and lender options based on where they are now, what they are borrowing for and where they want their portfolio to go.
Because FMS Group also provides accounting and financial planning services, we can coordinate with the relevant members of your advisory team where appropriate.
Local Lending Support: Central Coast & Sydney's North Shore
FMS Group has offices in Long Jetty on the Central Coast and Pymble on Sydney’s North Shore. We work with first home buyers, homeowners, investors, families and business owners across both regions. Not local? No problem. We can also support clients by phone or online.
Long Jetty
1/501 The Entrance Road, Long Jetty NSW 2261
Pymble
Suite 1, Level 2, 14 Suakin Street, Pymble NSW 2073 (by appointment)
A Wide Range of Lending Options
Frequently Asked Questions About Mortgages & Home Loans
Can FMS Group review my current home loan even if I am not ready to refinance?
Yes. A review can help you understand whether your current rate, fees, structure and features still suit your needs and how they compare with suitable alternatives. If changing loans would not provide a meaningful benefit, there is no reason to change simply for the sake of it.
What happens in the free initial lending consultation?
We start with a conversation about what you are trying to achieve, your timing and the broad outline of your financial position. You do not need to arrive knowing which loan you want. The first meeting is about clarifying your goals, explaining likely next steps and identifying what information we will need if you decide to proceed.
Do I need to have all my documents ready before I speak with FMS Group?
No. You can speak with us before you have gathered everything. We can explain which documents are likely to be required for your situation so you know what to prepare and can avoid unnecessary back and forth later.
Can you help if I am buying a new home before my current property is sold?
Potentially. Depending on your circumstances, there may be lending options such as bridging finance or other structures to help manage the timing between a purchase and sale. These arrangements can involve additional costs and risk, so we will explain the options and lender requirements before you decide how to proceed.
Can FMS Group help with a construction loan or major renovation?
Yes. Construction and major renovation lending can work differently from a standard home loan, including staged progress payments and additional documentation. We can help you understand suitable lender options and the process before the project begins.
What happens after my loan settles?
Our relationship does not have to end at settlement. Your circumstances, loan products and the lending market can change over time, so we can stay in touch and review your lending when it makes sense.
Can I meet with the FMS lending team in person?
Yes. FMS Group has offices in Long Jetty on the Central Coast and Pymble on Sydney’s North Shore, with Pymble available by appointment. We can also support clients by phone or online where that is more convenient.
Why is FMS Group different from a standalone mortgage broker?
FMS Group combines lending with a broader team across accounting, financial planning, SMSFs, retirement planning and debt management. Where relevant and appropriate, your lending can be considered alongside other parts of your financial life rather than in isolation. You still receive dedicated lending support, with the added benefit of an established team that can work together around your wider goals.