Mortgages
Can you afford a mortgage?
Model your repayments across different loan terms and interest rates.
Extra Payments
Fortnightly Repayment
$1,457.93
Total Interest
$637,186.32
Total Paid
$1,137,186.32
Remaining Balance Over Time
Principal vs Interest
This calculator provides estimates only and does not constitute financial advice. Actual repayments may vary. Contact us for personalised advice.
How It Works
No guesswork, no jargon. A structured approach that keeps you informed at every stage.
A clear, structured process, so you always know where you are and what comes next.
Discovery Session
You
Book a time to meet, in person or online, and share what you're trying to achieve. Your goals, challenges, timeline, and any questions you have.
We
Listen carefully, ask the right questions, clarify your needs, and walk you through exactly what to expect from here.
Review Your Position
You
Complete a simple online form outlining your current financial position and submit your supporting documents such as payslips and bank statements.
We
Review your finances thoroughly and start tailoring mortgage options that align with your goals and circumstances.
Explore Your Options
You
Find out how much you can borrow, ask questions, and review the options available to you.
We
Present tailored mortgage options with clear pros and cons, explain your borrowing capacity, and confirm your preferred direction before lodging any application.
We Lodge Your Application
You
Sit back. We handle everything from here.
We
Submit your application, liaise directly with lenders, manage all communications, and keep you updated throughout.
Approval & Loan Structure
You
Go house hunting. View properties, find the one you love, make an offer, and complete your due diligence.
We
Guide you through the due diligence process, secure final approval, customise your loan structure, negotiate interest rates and cashbacks, and present your tailored lending strategy, managing every lender requirement along the way.
Settlement & Ongoing Support
You
Sign the documents and collect the keys. Congratulations.
We
Work with your lawyer and lender to ensure a smooth settlement, then stay by your side with ongoing support and regular reviews, because this is the beginning of the journey, not the end.
Benefits
Every advantage of working with Sentinel, built on real world experience and delivered with genuine care.
Why work with Sentinel
Access to Over 30 Lenders
We're not tied to any single bank. We compare across the market to find the lender and structure that best fits your situation.
Real World Experience
We've personally navigated the property journey, from first home to investment properties and new builds. We speak from experience, not just theory.
Personalised Mortgage Structures
We don't just get you a loan. We structure your mortgage around your goals and lifestyle, building equity without squeezing your budget.
Annual Reviews
Interest rates change. Life changes. We review your mortgage every year to make sure it's still working as hard as it should be.
FAQs
Straightforward answers to the things people ask most.