AUSTRALIA HQ
Location
Gold Coast,
Queensland, Australia
Welcome to COMPANY RE, where real estate dreams come true! Whether you’re an agent, buying, selling, or scoping your next big project, let's chat. Your real estate journey starts here.
T: 1300 744 008
E: connect@companyre.com.au
P: PO Box 3823
Robina Town Centre, Robina
QLD 4230, Australia
Power to Choose & Negotiate - Unlike banks, which offer only their own products, we work exclusively for you.
With access to over 60 lenders, we provide you with the best deals and exclusive broker rates, giving you the advantage to negotiate effectively.
Our services are free to you, potentially saving you thousands and enhancing your chances of approval. It's a smart choice!
Save Time, Money and Effort - We understand that your time is valuable. That’s why we handle the research and compare loans for you, taking the hassle out of borrowing. This allows you to focus on achieving your goals and pursuing your dreams.
We understand that your time is valuable. That’s why we handle the research and compare loans for you, taking the hassle out of borrowing. This allows you to focus on achieving your goals and pursuing your dreams.
Our streamlined online application process accelerates your path to securing funding quickly and efficiently.
Say goodbye to confusing bank jargon! Our personalised loan strategies are easy to understand. We create a clear plan, simplify financial terms, and assist you in achieving your goals every step of the way.
With Michelle’s Diplomas in Complex Finance and Mortgage Broking, and Financial Planning, combined with our team's extensive experience, we are uniquely qualified to deliver exceptional problem-solving skills and find the best solutions for you.
Receive dedicated support from a non-bank affiliated broker who provides independent advice tailored to your long-term goals.
We provide ongoing support and guidance throughout every step of the process. Even after your loan has settled, we’ll continue to review your loans and services to ensure you keep saving money.
Meet Michelle Southern, COMPANY RE mortgage partner, we believe in more than just transactions – we believe in building lasting connections. Michelle brings over two decades of experience in banking and finance to the table, and for her, it's about more than just securing loans – it's about making a positive impact on lives.
Michelle isn't your typical finance professional; she's a passionate advocate for enhancing the financial well-being of individuals and families. Beyond the intricacies of mortgages, Michelle provides invaluable advice on reducing debt and helping you craft a roadmap to financial independence. Recognising that each client is unique, Michelle is dedicated to delivering personalised service tailored to your specific needs and financial aspirations. Whether you're a first-time homebuyer, looking to refinance, or a seasoned investor, Michelle is committed to finding the ideal financial solution for you.
With Michelle Southern by your side, you're not just securing a loan – you're investing in your future with expertise you can trust.
With over 20 years of experience in banking and financial services, Michelle brings a wealth of knowledge to the table when it comes to home loans. Throughout her extensive career, she has been dedicated to leveraging her expertise to assist clients, business partners, and colleagues in achieving their personal and business goals, while also steering them towards financial success.
Michelle's extensive experience and access to a network of over 60 lenders position her perfectly to tailor financial solutions that cater to the unique needs of her customers. Whether it's guiding first-home buyers through their initial steps into homeownership or helping seasoned investors expand their portfolios, Michelle thrives on creating innovative strategies to help her clients achieve their financial goals. Her aim is to empower individuals with greater control over their finances, providing them with the freedom to enjoy the life they love.
Michelle holds a Diploma in Finance and Mortgage Broking Management, as well as a Diploma in Financial Planning, highlighting her commitment to excellence in her field. Outside of work, Michelle is a devoted mother to two boys who keep her on her toes. She maintains an active lifestyle, spending her free time either on the beach, hitting the gym or exploring new destinations around the world. A true adrenaline enthusiast, Michelle is also a current Guinness World Record holder and indulges her passion for extreme sports, whether it's swimming with sharks or taking to the skies via skydiving or wing walking. Are you ready to take control of your financial future?
Give Michelle a call today!
Contact me for expert, tailored mortgage solutions today.
A mortgage is a loan specifically used to purchase real estate. The property itself serves as collateral for the loan. You make monthly payments, which include both the loan principal and interest, over a set period, typically 15 to 30 years.
Lenders look at several factors to determine your mortgage eligibility, including your credit score, income, employment history, and debt-to-income ratio. Having a stable income, good credit, and low debt increases your chances of qualifying.
The amount you can borrow depends on your income, credit score, and existing debt. Most lenders will calculate how much you can afford to repay each month and base the loan amount on that. Speaking with a mortgage broker or lender will give you a clearer picture of your borrowing capacity.
A fixed-rate mortgage has an interest rate that stays the same for the life of the loan, while a variable-rate mortgage (or adjustable-rate mortgage) has an interest rate that can fluctuate over time based on market conditions. Fixed-rate loans offer stability, while variable-rate loans may have lower initial rates but can rise or fall later.
Mortgage costs often include application fees, valuation fees, legal fees, and ongoing mortgage insurance premiums (if your deposit is below 20%). These costs can vary depending on your lender and the type of mortgage.
Most lenders require a deposit of at least 5-20% of the property's value. A higher deposit can help you secure better loan terms and avoid paying Lenders Mortgage Insurance (LMI).
Yes, most lenders offer pre-approval, which is an indication of how much you can borrow based on your financial situation. Pre-approval can give you an advantage when making offers on properties, showing sellers that you are a serious buyer.
LMI is a one-time insurance premium that protects the lender if you default on your mortgage. It is usually required if your deposit is less than 20% of the property’s purchase price.
A mortgage broker can help you navigate the home loan process by comparing different lenders and finding a loan that suits your needs. They can also help you secure a competitive interest rate and manage the application process.