Valley Finance is based in Calderwood — local mortgage advice for Calderwood, Albion Park, Tullimbar and the Macquarie Valley, from a broker who lives here too.
Your local mortgage broker, based right here in Calderwood.
Valley Finance is run from Calderwood, so if you’re buying, building or refinancing in the Calderwood Valley, Albion Park, Tullimbar or anywhere across the Macquarie Valley, you’re dealing with a broker who knows the estates, the builders and the lenders that work well here. Whether it’s your first home, a house-and-land package, an upgrade or an investment, we compare 40+ lenders and explain the options in plain terms — in person if you’re local, or by phone and video if you’re not.
Valley Finance is based in Calderwood, not in a city office. We know the new estates, what land is selling for, which builders are busy, and what the valuers are saying about the area.
We work with major banks, credit unions, and specialist lenders to find you competitive rates and flexible loan options.
Applying for a home loan can be overwhelming. Our mortgage brokers handle the paperwork, comparisons, and negotiations for you.
We take the time to understand your goals and financial position to recommend the best loan product that fits your needs.
Calderwood is full of people at a first-home or new-build stage — but we handle the whole range. From the first deposit to the second property, from a knockdown-rebuild to refinancing a loan you took out five years ago, we structure the finance around what you’re actually trying to do.
Discuss your home loan needs and financial situation.
We analyse hundreds of loan options to find the right fit.
We guide you through the application process, ensuring all paperwork is correct.
We stay by your side even after settlement to review your loan and refinancing opportunities.
We’re not a big franchise, we’re a local family-run business who genuinely cares. Based on the NSW South Coast, we know the local property market, and we understand the needs of first home buyers in our community.
We’re here to answer your questions (big or small), explain things in clear simple terms, and make sure you feel confident at every stage.
Yes. Valley Finance is based in Calderwood, so if you’re local we can meet at ours, yours, or a café in Albion Park. If you’re further afield, everything works just as well by phone and video — a lot of our clients across the Illawarra and interstate have never needed to come in.
It depends on the lender and whether you’re a first home buyer. Many lenders will go to a 5% deposit on a new build, and eligible first home buyers may be able to use the First Home Guarantee to buy with 5% and no Lenders Mortgage Insurance. With 20% you avoid LMI altogether. We’ll run the numbers on the actual land and build price rather than a rule of thumb.
Buying or building new is where the NSW schemes are most generous. Eligible first home buyers may get the NSW First Home Owner Grant (currently $10,000 for a new home under the price cap), a stamp duty exemption or concession under the First Home Buyers Assistance Scheme, and access to the First Home Guarantee or the government’s Help to Buy shared-equity scheme. Eligibility rules and caps change, so we check them against your situation before you sign anything.
Instead of receiving the full amount at settlement, the lender releases funds in stages as the builder completes each part of the build — slab, frame, lock-up, fit-out, completion. You usually pay interest only on what’s been drawn. We set the loan up so the progress payments match your building contract, and we deal with the lender at each stage.
Often it’s worth a look. Once a build is complete and valued as a finished home, you may have more equity than when the loan was set up, which can open up better rates or let you consolidate other debts. We’ll compare your current loan against the market and tell you plainly whether switching is worth it.
No — that’s just where we’re based. We have clients across NSW and interstate, in Melbourne, Queensland and Tasmania. Everything can be done by phone, video and e-signing, so where you live doesn’t change what we can do for you.
One conversation, no obligation, let’s find the right loan together.
