Call Us: +61 477 778 330

Mortgage featured stories

Why use a Finance Broker?

Home Finance, Mortgage Broking, Property, Tips
Share
Finance Brokers (also often referred to as Mortgage Brokers, Mortgage Planners or Credit Advisers) act as an intermediary between lenders and borrowers to negotiate loan facilities. Over the last 10 – 15 years the usage of Finance Brokers in Australia has increased consistently and it is now estimated that approximately 1 in every 2 new home loans in Australia is sourced through a Finance Broker. So why do so many borrowers utilise a Broker rather than going to their local Bank? Some of the benefits and reasons include:
Access to more loan options – Finance Brokers have access to a broad panel of lenders and therefore a wide range of loan products and lending policies to meet a wide variety of borrowers needs. By comparison, if a borrower goes direct to a Bank they can only select from the narrow range of products (and interest rates) offered by that one lender. • Access to Lenders not in your local market – Brokers can provide options to lenders that do not have a local branch presence that may suit a borrower. This broadens options beyond the “big four” banks and local lenders. The most suitable lender for you may only sell loans through Finance Brokers in your local area. • Compare loans and manage the process for you – Researching and sourcing a loan can be very time consuming. Finance Brokers provide a ‘ one stop’ shop to compare the offerings of a wide range of lenders and best of all they liaise with the lenders on your behalf, often saving borrowers much time and frustration. • Independent Advice – Comparing loan offers and understanding the differing terms and conditions can be confusing for borrowers. Brokers can provide assistance by guiding borrowers through the maze of options and providing credit advice based on each borrowers individual needs and goals. • Lending Specialists – Finance Brokers specialise in lending and have experience in the whole lending process and a broad range of products from multiple lenders. They understand all aspects of lending from first home buyers through to complex investment loans. Bank staff by comparison can be distracted by having to focus on many different aspects of banking and only have in depth knowledge of the lending products they sell. • Working for you – Finance Brokers work for you, not the Bank, to obtain the most suitable loan for your individual needs. • Relationship focused – A Brokers biggest source of business is referrals and advocacy from existing customers and contacts. They don’t have huge marketing budgets so they rely on good service and adding value to their customers to gain referrals and build their business. Because most Broking businesses are small local businesses you are often dealing with the owner of the Broking business. • Flexibility – Most Brokers work a wide range of hours and don’t limit themselves to business hours. Chances are if you need your Mortgage Broker over the weekend they will be contactable. If you want to find out who your local Mortgage Brokers are just ask your friends and work colleagues if they know of anyone, chances are half of them already utilise the services of a Finance Broker!

More Stories

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Mortgage featured stories

Why use a Finance Broker?

Home Finance, Mortgage Broking, Property, Tips
Share
Finance Brokers (also often referred to as Mortgage Brokers, Mortgage Planners or Credit Advisers) act as an intermediary between lenders and borrowers to negotiate loan facilities. Over the last 10 – 15 years the usage of Finance Brokers in Australia has increased consistently and it is now estimated that approximately 1 in every 2 new home loans in Australia is sourced through a Finance Broker. So why do so many borrowers utilise a Broker rather than going to their local Bank? Some of the benefits and reasons include:Access to more loan options – Finance Brokers have access to a broad panel of lenders and therefore a wide range of loan products and lending policies to meet a wide variety of borrowers needs. By comparison, if a borrower goes direct to a Bank they can only select from the narrow range of products (and interest rates) offered by that one lender. • Access to Lenders not in your local market – Brokers can provide options to lenders that do not have a local branch presence that may suit a borrower. This broadens options beyond the “big four” banks and local lenders. The most suitable lender for you may only sell loans through Finance Brokers in your local area. • Compare loans and manage the process for you – Researching and sourcing a loan can be very time consuming. Finance Brokers provide a ‘ one stop’ shop to compare the offerings of a wide range of lenders and best of all they liaise with the lenders on your behalf, often saving borrowers much time and frustration. • Independent Advice – Comparing loan offers and understanding the differing terms and conditions can be confusing for borrowers. Brokers can provide assistance by guiding borrowers through the maze of options and providing credit advice based on each borrowers individual needs and goals. • Lending Specialists – Finance Brokers specialise in lending and have experience in the whole lending process and a broad range of products from multiple lenders. They understand all aspects of lending from first home buyers through to complex investment loans. Bank staff by comparison can be distracted by having to focus on many different aspects of banking and only have in depth knowledge of the lending products they sell. • Working for you – Finance Brokers work for you, not the Bank, to obtain the most suitable loan for your individual needs. • Relationship focused – A Brokers biggest source of business is referrals and advocacy from existing customers and contacts. They don’t have huge marketing budgets so they rely on good service and adding value to their customers to gain referrals and build their business. Because most Broking businesses are small local businesses you are often dealing with the owner of the Broking business. • Flexibility – Most Brokers work a wide range of hours and don’t limit themselves to business hours. Chances are if you need your Mortgage Broker over the weekend they will be contactable. If you want to find out who your local Mortgage Brokers are just ask your friends and work colleagues if they know of anyone, chances are half of them already utilise the services of a Finance Broker!

More Stories

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Mortgage featured stories

Why use a Finance Broker?

Home Finance, Mortgage Broking, Property, Tips
Share
Finance Brokers (also often referred to as Mortgage Brokers, Mortgage Planners or Credit Advisers) act as an intermediary between lenders and borrowers to negotiate loan facilities. Over the last 10 – 15 years the usage of Finance Brokers in Australia has increased consistently and it is now estimated that approximately 1 in every 2 new home loans in Australia is sourced through a Finance Broker. So why do so many borrowers utilise a Broker rather than going to their local Bank? Some of the benefits and reasons include:Access to more loan options – Finance Brokers have access to a broad panel of lenders and therefore a wide range of loan products and lending policies to meet a wide variety of borrowers needs. By comparison, if a borrower goes direct to a Bank they can only select from the narrow range of products (and interest rates) offered by that one lender. • Access to Lenders not in your local market – Brokers can provide options to lenders that do not have a local branch presence that may suit a borrower. This broadens options beyond the “big four” banks and local lenders. The most suitable lender for you may only sell loans through Finance Brokers in your local area. • Compare loans and manage the process for you – Researching and sourcing a loan can be very time consuming. Finance Brokers provide a ‘ one stop’ shop to compare the offerings of a wide range of lenders and best of all they liaise with the lenders on your behalf, often saving borrowers much time and frustration. • Independent Advice – Comparing loan offers and understanding the differing terms and conditions can be confusing for borrowers. Brokers can provide assistance by guiding borrowers through the maze of options and providing credit advice based on each borrowers individual needs and goals. • Lending Specialists – Finance Brokers specialise in lending and have experience in the whole lending process and a broad range of products from multiple lenders. They understand all aspects of lending from first home buyers through to complex investment loans. Bank staff by comparison can be distracted by having to focus on many different aspects of banking and only have in depth knowledge of the lending products they sell. • Working for you – Finance Brokers work for you, not the Bank, to obtain the most suitable loan for your individual needs. • Relationship focused – A Brokers biggest source of business is referrals and advocacy from existing customers and contacts. They don’t have huge marketing budgets so they rely on good service and adding value to their customers to gain referrals and build their business. Because most Broking businesses are small local businesses you are often dealing with the owner of the Broking business. • Flexibility – Most Brokers work a wide range of hours and don’t limit themselves to business hours. Chances are if you need your Mortgage Broker over the weekend they will be contactable. If you want to find out who your local Mortgage Brokers are just ask your friends and work colleagues if they know of anyone, chances are half of them already utilise the services of a Finance Broker!

More Stories

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Is a tree or sea change on your horizon?

News
Is a tree or sea change on your horizon? Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

Why three-in-four Aussies turn to a broker for home loan help

News
Why three-in-four Aussies turn to a broker for home loan help You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.

First home buyers turn to Bank of Nan and Pop

News
First home buyers turn to Bank of Nan and Pop Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home.

First home buyers turn to Bank of Nan and Pop

News
First home buyers turn to Bank of Nan and Pop Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home.

First home buyers turn to Bank of Nan and Pop

News
First home buyers turn to Bank of Nan and Pop Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home.

What you should know before buying ‘subject to finance’

News
What you should know before buying ‘subject to finance’ Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works.

What you should know before buying ‘subject to finance’

News
What you should know before buying ‘subject to finance’ Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works.

What you should know before buying ‘subject to finance’

News
What you should know before buying ‘subject to finance’ Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works.

Not feeling the budget love? 4 ways you could still get ahead

News
Not feeling the budget love? 4 ways you could still get ahead If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now.

Not feeling the budget love? 4 ways you could still get ahead

News
Not feeling the budget love? 4 ways you could still get ahead If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now.

Not feeling the budget love? 4 ways you could still get ahead

News
Not feeling the budget love? 4 ways you could still get ahead If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now.

Low deposit scheme helps over 150,000 families buy sooner

News
Low deposit scheme helps over 150,000 families buy sooner Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner!

Low deposit scheme helps over 150,000 families buy sooner

News
Low deposit scheme helps over 150,000 families buy sooner Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner!

Low deposit scheme helps over 150,000 families buy sooner

News
Low deposit scheme helps over 150,000 families buy sooner Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner!

Here’s why your borrowing power might soon get a lift

News
Here’s why your borrowing power might soon get a lift Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

Here’s why your borrowing power might soon get a lift

News
Here’s why your borrowing power might soon get a lift Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

Here’s why your borrowing power might soon get a lift

News
Here’s why your borrowing power might soon get a lift Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

What you should know before buying ‘subject to finance’

News
What you should know before buying ‘subject to finance’ Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works.

What you should know before buying ‘subject to finance’

News
What you should know before buying ‘subject to finance’ Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works.

What you should know before buying ‘subject to finance’

News
What you should know before buying ‘subject to finance’ Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works.

Not feeling the budget love? 4 ways you could still get ahead

News
Not feeling the budget love? 4 ways you could still get ahead If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now.

Not feeling the budget love? 4 ways you could still get ahead

News
Not feeling the budget love? 4 ways you could still get ahead If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now.

Not feeling the budget love? 4 ways you could still get ahead

News
Not feeling the budget love? 4 ways you could still get ahead If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now.

Low deposit scheme helps over 150,000 families buy sooner

News
Low deposit scheme helps over 150,000 families buy sooner Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner!

Low deposit scheme helps over 150,000 families buy sooner

News
Low deposit scheme helps over 150,000 families buy sooner Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner!

Low deposit scheme helps over 150,000 families buy sooner

News
Low deposit scheme helps over 150,000 families buy sooner Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner!

Here’s why your borrowing power might soon get a lift

News
Here’s why your borrowing power might soon get a lift Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

Here’s why your borrowing power might soon get a lift

News
Here’s why your borrowing power might soon get a lift Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

Here’s why your borrowing power might soon get a lift

News
Here’s why your borrowing power might soon get a lift Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

How to know if you’re paying a fair price

News
How to know if you’re paying a fair price We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process.

How to know if you’re paying a fair price

News
How to know if you’re paying a fair price We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process.

How to know if you’re paying a fair price

News
How to know if you’re paying a fair price We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process.

Can you remember your home loan interest rate?

News
Can you remember your home loan interest rate? Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list.

Can you remember your home loan interest rate?

News
Can you remember your home loan interest rate? Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list.

Can you remember your home loan interest rate?

News
Can you remember your home loan interest rate? Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list.