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Buying a home can be a daunting process,
especially when there are so many things to
consider like:
• where and what can I buy?
• how much deposit will I need?
• how much can I borrow?
• who should I borrow from?
• what are all the other costs involved?
• how can I repay my mortgage quickly,
and
• what other decisions do I need to make
during this process?
Our role as your mortgage specialist is to
guide you through the process to ensure
that all your needs and options are
considered.
We make sure that this exciting
opportunity is professionally managed to
reduce the time and worry for you throughout
the purchase.
If you are researching your finance options,
everyone will be advertising “the best deal”.
But what they may omit to tell you about are
the hidden costs, or just as importantly how
to structure your finance to suit your ongoing
and future needs. We have access to many
lenders and will be able to guide you through
your decision if you are thinking about your
finance options right now. Don’t do it on your
own. Ask us, your trusted finance specialist, to
work through this with you.
Don’t think that by going to your local bank
it will get done faster or that it will be more
beneficial to you. All loans go to a processing
unit. Brokers have access to the banks’ Business
Development Managers (BDM’s) who can
escalate issues. We make them work harder
for you to get your loan through. Because we
have access to many loan products across
many institutions, we can often find alternative
solutions for funding that some banks just
can’t access. It’s not uncommon for brokers to
get a loan through the same bank whose local
branch has declined an application. So make
sure you
call us first to save your time.
Regulations in the broking industry are
continuing to improve across Australia. Think
of your broker as being a professional resource
in the same way you think of your accountant,
financial planner or solicitor. We are in the
business of building ongoing relationships
with our clients and to think of your best
interests, not those of the bank.
We will work with you and your service
providers (real estate agent, conveyancer and
lender) and sometimes your other professional
affiliates (such as your accountant and
financial planner) during this process, while
ensuring we help you obtain the finance that
best suits your circumstances and needs.
Thank you for taking the time to read about
the steps to buying your home and obtaining
finance. This guide is designed to help you
through the process to ensure nothing is
missed and that many of your questions are
answered.
By all means, please call the office for more
information or clarification about your own
circumstances.
We look forward to helping you purchase your
new home
Kind regards
Sharlene Gratte
Director / Finance Manager
WELCOME
