Is home ownership an impossible dream?

Think again! HomeFunders have created a solution! The housing revolution is here!

  • We connect the builder, the client and the finance.
  • We DON’T create mortgage stress.
  • We DON’T charge a brokerage fee.
  • We DO things differently!

Why rent when you can OWN!

Hi, I'm Gayle

Welcome to HomeFunders

I’m a mortgage broker and I’ve been in the mortgage broking business for over 28 years. I started HomeFunders when I witnessed people getting knocked back by banks forcing them to remain in the rental market.

I’m a proud member of the FBAA (Finance Brokers Association of Australia), AFCA (Australian Financial Complaints Authority) and was shortlisted as a Finalist in the 2019 Business xCellence Awards and also in the Banking & Finance Awards.

What's My Story?

Like many hard working Australians, I wasn’t born with a silver spoon in my mouth, and I learned life can be very tough. At the age of 22, I was left on my own with a 15 month old toddler and a new born baby with no home and no job. Interested in hearing the rest of my story of how I became an expert in this industry?

profile image of Gayle Copeland, owner of Home Funders Australia

Hi, I'm Gayle

Welcome to HomeFunders

I’ve been in the mortgage broking business for over 28 years. I started HomeFunders when I witnessed people getting knocked back by banks forcing them to remain in the rental market.

I’m a proud member of the FBAA (Finance Brokers Association of Australia), AFCA (Australian Financial Complaints Authority) and was shortlisted as a Finalist in the 2019 Business xCellence Awards and also in the Banking & Finance Awards.

profile image of Gayle Copeland, owner of Home Funders Australia

What's My Story?

Like many hard working Australians, I wasn’t born with a silver spoon in my mouth, and I learned life can be very tough. At the age of 20, I was left on my own with a 15 month old toddler and a new born baby with no home and no job. Interested in hearing the rest of my story of how I became an expert in this industry?

money, financial report and calculator to find the perfect home loan you can afford

How It Works

Is Your Desposit Too Low To Get A Loan?

Meanwhile, prices are increasing all the time and you’re paying rent on top of all your other living costs. You are seriously doubting how is your dream of owing your own home ever going to come true. The thought of remaining in the rental market is depressing you and to top it all off you think you don’t have enough for a deposit.

That's Where We Come In!

At HomeFunders, we work with developers and master builders throughout the Hunter building quality family homes that are close to amenities. These homes are completely ready for you to move into, with the added security of a fixed price contract.

Gayle Explains

How Is This Possible?

At HomeFunders, we’ve created a solution to close the gap between what you have saved as a deposit and what you still need. We do this by adding to your deposit with a Bankless Loan from us.

Most personal loans come with an interest rate between 12% and 15%, that’s too expensive! A loan of $25,000 with no interest to pay equates to $100 per week over 5 years.

So Who Provides The Deposit?

HomeFunders uses their money to put people into their own homes. The mortgage arm of HomeFunders is Dollars At Work (Australian Credit Licence No. 3955812). Dollars At Work is the glue that sticks it all together. With over 28 years in the mortgage broking business we have the experience to get loans over the line when traditional banks say “no”.

managing a home loan process
money and searching for a home loan that suits your budget

Are You Eligible?

What You Need To Provide

Ideally, you need to have saved between $10,000 – $15,000 or more as a deposit and be eligible for the First Home Buyers’ Grant. You also need steady employment and a good credit rating. This is also available for investors, so why not let us help you start your investment portfolio now?

What You Can Expect

This will give you a brand new 3 bedroom, 2 bathroom home with a garage and car port, and may cost as little as $350 per week to own. Or you could own a 4 bedroom, 2 living room, 2 bathroom home with a double garage for $499 per week.

* Assumptions are based on a 2.99% interest rate. Conditions apply.

Still Unsure If We Can Help You?

Here are 10 reasons to come to us for assistance!

  1. Self employed with little financial proof of earnings.
  2. Credit blip on your credit report.
  3. Centrelink or other benefit income.
  4. Turned down by a bank – we have alternative lenders with great rates.
  5. Over 50 without an exit strategy.
  6. Re-financing to pay out debts or buy another property and need sound advice.
  7. Affordability is our priority – we find you the loan that suits your circumstances.
  8. Strategies for starting an investment portfolio that won’t cripple you financially.
  9. Starting over after life has dealt you a major blow like divorce, bankruptcy or business failure.
  10. We have the experience to deal with all the above scenarios.

We are solution driven!

Without affecting your credit report we can discuss your situation IN CONFIDENCE with the decision makers that make up our panel of lenders to see if their product fits your needs before we submit an application for pre-approval.

money, financial report and calculator to find the perfect home loan you can afford

Testimonials

What My Clients Say!

We can not thank you enough for what you have done for us! We appreciate it so much! Thanks Gayle!

Lauren & Greg Hancock -

Business Owners

Thanks Gayle and Bill, couldn't have done it without you both!

Janelle -

Investor

I can highly recommend Gayle, in fact, it is my absolute pleasure to do so.

Christine van Veldhoven -

Walanne Pty Ltd

Gayle, I can't believe that anyone like you even exists. We will come to the Hunter as I believe it is that important!

Bulelwa Freer -

Home Owner

Because of Angie and Gayle, we have learnt so much and we are proud and lucky to have you both on our team. All the hard work you have both done in the last month has been nothing but amazing!

Deb Sullivan -

Home Owner

Making my dreams come true as my house starts being built next month. Thanks to Gayle at Home Funders Australia & Ari at Macquarie Knight.

Fiona Brown -

Land Owner

Some Frequently

Asked Questions

The builders are all registered and accredited builders with years of experience in producing houses you will be proud to call home. Simply walk in and unpack and start living.

All the homes have the following :

  • Patios.
  • Air conditioning.
  • Carpets.
  • Tiles.
  • Blinds.
  • Benchtops.
  • Fencing.
  • Stone benches.
  • Water tanks.
  • Landscaping.
  • Driveway.
  • Lighting.
  • Walk-in wardrobes.
  • Ensuite.

We work with licensed and accredited builders to provide you with the perfect home. Just move in and unpack.

As the holder of an Australian Credit Licence, Dollars At Work, is directly accredited with over 30 lenders. What does this mean? Without affecting your credit record we can discuss your situation directly with any of our lenders to see if their product suits your needs before applying for a pre-approval check.

Just as your clothes don’t fit or suit another body the loan you get should be “made to measure”. For over 28 years, Dollars At Work, has had enough experience to know every client is different. This is why we specialise in those hard to get loans as well as the ones the banks want!

Google is great in providing general advice on rates and borrowing capacity but here’s the thing, Google doesn’t know you or your circumstances. Nor could they be expected to as this would breach the privacy act. Imagine having to put down your personal details, credit card balances, other mortgages etc.

We don’t use Google to qualify our clients. We specialize in self-employed folk who have difficulty in producing financial proof of earning. Even ones declared bankrupt. Part-time workers. Those on benefits may qualify.

We practice transperancy. You will always receive an exact copy of your application (all the content, brokers notes, all calculations that were used to establish servicing and credit), so you will know what information was sent to the lender.

This allows the client an opportunity to check all information is correct and keep this file for any event such as an audit by the lender.

That’s right, we don’t charge a brokerage fee. The only fee you will pay is an application and valuation fee charged by the lender and this is usually requested after you have a pre-approval.

I use my own money because at the age of 20 I was left on my own with a 15 month old toddler and a new baby with no home and no job. I went to see a lawyer who gave me an opportunity that I have tried to pay back ever since. You see I was a handy person and he lent me the money to purchase my first house, to renovate and move on. After 5 houses, a lot of sweat, tears and anxious times I totally owned my home. So now it is my turn to pay it forward!

Read where all my background and experience comes from in my About page.

Buying or building a home can be a daunting process.

A broker acts as a go between you and many lenders – making sure that the loan you choose works best for you.

ALL BROKERS HAVE A LEGAL OBLIGATION TO PROVIDE A “RESPONSIBLE LENDING” POLICY TO ENSURE THAT LOANS FITS A CUSTOMERS NEEDS.

CHECK FOR ACCREDITATION

Choosing the wrong broker can cost you money if you end up with a loan that doesn’t fit your needs.

So before meeting with your broker ensure that he or she has these qualifications.

  • CERTIFICATE IN MORTAGE BROKING AND FINANCIAL SERVICES
  • MEMBER OF FINANCE BROKERS ASSOCIATION OF AUSTRALI [FBAA ] OR MEMBER OF MORTGAGE AND FINANCE ASSOCIATION OF AUSTRALIA [MFAA]
  • Member of AFCA – AUTRALIA FINANCIAL COMPLAINTS AUTHORITY

You have a right ask for a copy of these accreditations before doing business.

WHO IS ON THE BROKERS LENDING PANEL

A broker’s panel tells you a lot about their experience.

Ask how many lenders they use and why – get a fact sheet from your broker when you decide on a loan. A good broker will make sure that you understand the product and other fees and charges and why one lender may meet your requirements better than another.

The lowest interest rate is not always the best loan as the product may have hidden fees and charges,

BROKERS FEES

Some brokers charge you a fee others don’t
Typically a broker receives about 0.4% of the value of the loan averaging around $1600.00 which is paid by the lender NOT YOU. Some brokers also get a trail others opt not to if they use an aggregator. An aggregator is like a back office that that acts as an intermediary and ensures compliance- acting on your behalf to ensure all dealings are suitable for you what you want and what you need. This provides a great deal of security and protection for clients.

WE DO BUSINESS DIFFERENTLY

Our clients are NEVER ASKED TO SIGN AN APPLICATION FORM!

WHY?

Because we think that filling in a 5 minute fact find gives us all the information we need to

  • Assess your borrowing capacity
  • Give you a choice of Lenders
  • Make sure you are satisfied with the product- the rate and the re-payments
  • Your details will not appears on your credit reports as we never “shop loans around”
  • Try to pre-empt any questions the lender may ask by submitting comprehensive broker notes to finance providers before they ask.
  • We only ask for supporting documents once our back office has double checked our work to ensure we comply with the ‘suitable lending” legal requirements.

A COPY OF OUR FACT FIND IS AVAILABLE ON THIS WEBSITE.

Let Me Help You!

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