Home loans ↗
Talk through your next home purchase and the information needed to assess lending options.
BASED IN THE SOUTHERN HIGHLANDS
Mortgage and finance broker Southern Highlands.
Buying a home, reviewing your loan or planning your next purchase? Start with a conversation about what you want to achieve.
Based in the Southern Highlands, Sam helps people across Bowral, Mittagong, Moss Vale and the surrounding area find finance that suits their needs.
Outside the Highlands? Sam also works with clients Australia-wide.
Finance solutions providedthrough BMoney Group.
A next step to take.
LOCAL BASE. PERSONAL SUPPORT.
From your first question to settlement.
Buying your first home in Bowral, moving to Mittagong or reviewing a loan in Moss Vale? You don’t need to know which lender to approach before we talk. Tell me what you’re planning and I’ll help you work through the next steps.
What I can help with
- Understand your plans, budget and the information lenders will need.
- Compare suitable options from the BMoney lender panel, including rates, fees and loan features.
- Help prepare your application and follow up on lender questions.
- Keep you informed as your application progresses towards settlement.
BMoney is a finance brokerage, not the lender. Your loan would be provided by the bank or non-bank lender selected through the process.
Meet locally or remotely
Sam is based in the Southern Highlands and works with clients across Australia. You can connect remotely or arrange a client visit, with access to BMoney's Oran Park office.
Finance solutions are provided through BMoney Group. Samantha Gilarte is Credit Representative Number 578169 of Australian Credit Licence Number 541423.
Read Sam's official BMoney profile
Get to know Sam ↗YOUR CURRENT HOME LOAN
Refinancing in the Southern Highlands
Wondering whether your home loan still suits you? Sam can help you compare your current loan with suitable options from the BMoney lender panel, including whether staying with your current lender makes sense.
Before deciding to switch, work through:
- The repayments and total cost over the same remaining loan term.
- Exit, application and any fixed-rate break costs.
- The features you use and how long any saving could take to cover the switching costs.
If your property is rural or on acreage, mention its land size and how you use it. Lender requirements can differ. Start with a rough outline of your plans; keep statements and account numbers out of the enquiry form.
YOUR FIRST HOME
Buying your first home in the Southern Highlands
Still saving, comparing homes in Bowral or planning inspections in Mittagong or Moss Vale? You can talk with Sam before choosing a property.
Start with three questions:
- What repayments would leave room for your everyday costs?
- How much cash will you need for the deposit and other buying costs?
- What needs checking before you rely on pre-approval or a first-home buyer assistance scheme?
Sam can help you work through your plans, the information lenders need and suitable options from the BMoney panel. Pre-approval is conditional, and assistance schemes have separate eligibility rules. Neither replaces the lender's final assessment.
FIND YOUR STARTING POINT
Finance for your next step.
A CLEAR PLACE TO START
One conversation at a time.
No need to upload documents
to start a conversation.
- 01
Tell Sam your plans
Share what you’re looking to do and the best way to contact you.
- 02
Talk through the details
Sam reviews your enquiry and talks with you about your needs and circumstances.
- 03
Understand your next step
Find out what information is needed and how the process could work for you.
LET’S TALK
A little about you.
A place to begin.
Share your plans and the best way to reach you.
Sam can discuss your needs and explain the next steps. This is an enquiry, not a loan application.
A FEW COMMON QUESTIONS
Before we talk.
Can I speak to you before I’ve found a property?
Yes. We can talk through your plans, what information lenders will need and the steps involved before you apply. Getting the conversation started early can help you understand what to work through before making an offer.
Can you help with acreage or a rural property?
Different lenders assess rural and acreage properties differently. Let me know the property you’re considering and how you plan to use it, and we can explore which lenders on our panel may be able to help. Approval will depend on the property and your circumstances.
Do I have to change banks to review my home loan?
Not necessarily. We can discuss your existing loan alongside other options, including whether it’s worth asking your current lender to review your rate. The costs, features and remaining loan term all matter when deciding whether a change is worthwhile.
What should I have ready for our first conversation?
Start with what you’d like to do and your timing. If you’re reviewing a loan, it helps to know your approximate balance, repayments and whether the rate is fixed or variable. You don’t need to upload documents through this enquiry form; I’ll explain what’s needed next.
What does working with a broker cost?
Samantha may be paid by the lender after settlement. Fees and charges may apply. Ask Sam to explain any costs and how she is paid before you proceed.