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Frequently asked questions
Common questions
Property Investment
First-time Homebuyers
Refinancing
Lenders Mortgage Insurance (LMI)
We take the hassle out of getting a loan. We do the research for you, comparing mortgage products from different lenders to ensure you get the best fit loan solution for your requirements. Acting as the intermediary between yourself and the lender, you get our personalised service rather than a help desk.
https://www.youtube.com/watch?v=RqZf6AsI7ys
We recommend a brief annual review and a more in depth review bi-annually. Where you are in a fixed rate product we recommend reviewing prior to the expiry of the fixed term. Don't worry, if you're our client we will get in touch with you proactively to review and ensure your loan(s) continue to meet your needs.
No, you will get the same (and maybe even a better) deal when using a broker. How is this possible? Think of it as the lender outsourcing their customer service. A broker pre-qualifies the applicant(s) and matches the application to lender's policy and product, therefore the conversion rate for broker introduced loans is generally higher than for direct applications. As the lender is only paying the broker for successful applications, it is actually a very cost effective way for them to generate new business.
Our mortgage application service, helping you nominate and apply for the most appropriate loan, is provided at no cost to you (as we receive a commission from your nominated lender). We do however charge a small upfront onboarding fee for our comprehensive borrowing capacity assessment ($220), given no commissions are received for this valuable service. Our onboarding fee isn’t about ‘extra charges’ — it’s a filter. We're a boutique brokerage that has a limited capacity for new clients so this helps us to check you're serious.
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