Normally, you have two options: approach your bank and speak to them or use a mortgage broker. Mortgage brokers do not cost you any money (they receive a fee from the lender if you take out a mortgage with that lender) and they can often get you better rates than what are currently advertised to the public. Mortgage brokers are also a wealth of information who can help you pay off your mortgage faster.
Please let us know if you would like to be introduced to a trusted mortgage broker.
A free 15-minute call with a property lawyer who only works with first home buyers.