Why we’re in it, and how we can help you
12 FEB 2024We’re in mortgage brokering because we’ve found it incredibly fulfilling to help our friends, colleagues, and family members make significant savings on their home loans.
In our experience, we’ve identified a few common reasons why a home loan remains untouched:
Being too time poor to look into their mortgage
Have no interest in finance or home loans
Had a poor experience dealing with brokers or banks previously
Unsure what value add a broker can provide and rather go straight to the bank
Content with being with a big four bank
We understand first-hand how difficult it is to find time and people you trust to manage your finances. Simply reach out to us if you relate to any of the above—we’re passionate about making your mortgage efficient and fuss-free.
Navigating Property Share Structures in Mortgage- A guide for your next purchase
27 NOV 2023The Common Challenge: Imagine this – you've bought a property with a friend or family member, splitting everything 50/50, including the title. Now, as you venture into buying a second property, you're puzzled. Why does the bank's approved loan amount seem smaller than you expected?
Here's a likely scenario: Banks might be counting your entire original loan instead of just your 50% share. Yes, it seems counterintuitive since it's a shared loan, but banks assess serviceability based on the structure of your loan, not the ownership share.
Why Loan Structure Matters: This is where the structure of your loan becomes crucial. Getting it right is essential to prevent serviceability issues when you're ready for your next property purchase.
The Bright Side of Property Sharing: Let's not forget – sharing a property is an excellent way to enter the market. It's an opportunity filled with potential!
We're Here to Help: Eager to restructure your current property share or embark on a new shared property journey? We're here to guide you. Our expertise ensures you maximize your serviceability and make the most of your property sharing experience.
Why choose a mortgage broker?
31 OCT 2023With interest rates and property prices rising across Australia, entering the property market can seem daunting—and keeping up with mortgage repayments can be a challenge.
Banks and lenders are constantly adapting to market conditions with product and rate offers. You could approach individual lenders directly, but you would be unlikely to find the best deal for your situation.
The advantage of using a mortgage broker extends beyond finding the lowest rates and cashbacks, they also provide the comfort of support, education and guidance. It makes perfect sense therefore to work with a broker that you can trust. It is no surprise that the use of brokers have continually increased and is above the 70% mark for all new residential home loans.
As loan specialists and accredited brokers, we are able to access discounted rates and promotional cashbacks within a few clicks. With our expertise, we can assist with your loan applications and save you the time and stresses of navigating your loan.
Perhaps you already have a loan, but you are unsure about your existing rates and would like to seek a no-cost, no-obligation second opinion.
We would be delighted to have a chat to see if we can help.