Welcome to DeMarque Home Loans, your premier residential finance brokerage specializing in a comprehensive range of services. At DeMarque, we are committed to providing tailored financial solutions for first home buyers, property investors, individuals seeking renovation and construction loans, and those looking to optimize their mortgage through refinancing. With a proven track record of excellence and a client-centric approach, we stand as your dedicated partner in achieving your homeownership and investment goals.
DeMarque Home Loans provides a range of residential home loan options. First Home Buyer and standard Owner Occupier loans, Investment loans, Mortgage Refinancing, Construction & Renovation loans.
The minimum down payment depends on the type of loan, your financial situation and current market conditions. We work closely with clients to find the best options that align with their budget and goals. However, typically lenders prefer a 20% down payment.
Commonly required documents include proof of income, tax returns, employment verification, credit history, and details about the property being financed. Our team will guide you through the specific requirements for your situation.
Transparency is key at DeMarque Home Loans. We provide a clear breakdown of all associated costs and fees, ensuring you are fully informed about the financial aspects of your loan. However, it needs to be noted that with residential mortgages, the lender, not the applicant, pays the broker’s commission.
Our interest rates vary based on market conditions and individual financial profiles. For the most accurate and up-to-date information, we recommend reaching out to one of our experienced brokers.
The timeline for mortgage approval can vary, but on average, it takes around 30 to 45 days. Factors such as documentation completeness and appraisal processes can influence the timeline.
Absolutely. DeMarque Home Loans offers pre-approval services to help you understand your budget and strengthen your position when making an offer on a home.
DeMarque Home Loans works with clients across a range of credit scores. While a higher credit score can open up more favorable terms, we have options available for those with less-than-perfect credit, and we can provide guidance on steps to improve your creditworthiness.