Home Mortgage Services is a privately owned company and was established in July of 1996. We are currently one of Adelaide's leading mortgage brokers and have memberships/affiliations with the following groups:

• AFG (Australian Finance Group)
• FBAA (Finance Brokers Association of Australia)
• COSL (Credit Ombudsman Service Limited)

In today's marketplace there are many different loans to choose from. Do you know which loan is best for you?
The loan with the lowest rate?
The most flexible loan?
The loan with the least fees?

Do you know which loan really is best suited to your personal financial needs?

At Home Mortgage Services our goal is to guide you to the best possible product. Features of the loans we discuss in detail with you include:

• Fixed or Variable interest rates (or a combination)
• Penalties for early discharge
• Frequency of interest repayments
• Is mortgage insurance required?
• Is a deposit required?
• Have you done your tax returns? Does it matter?
• Is the loan tax effective?
• Are there any hidden costs?

Once your loan is negotiated our role continues. We remain involved right through until settlement; we liaise with and instruct solicitors, valuers and real estate agents. We arrange the execution and return of documentation and assist with property insurance, if required. We bring all parties together; working on your behalf, to ensure settlement is professionally and efficiently handled.