- Sydney’s Credit Mortgage Loan-to-value Ratio: Maximizing Property Profit
- Why Do Lawyers Get Special Treatment When Applying For A Home Loan?
- Average Home Loan Interest Rates Australia
- Australia’s Cba Turns Off The Cash Tap As Mortgage War Saps Profit
- Home Loan Serviceability: What Is It And How Can You Increase Yours?
- Refinancing A Home Loan
- What To Do When Your Interest Only Loan Is Expiring
- How Long Does A Home Loan Pre Approval Take?
Sydney’s Credit Mortgage Loan-to-value Ratio: Maximizing Property Profit – We want to represent the best of what it means to be a mortgage broker: providing the highest level of service and tailoring home loan solutions that make a difference to our clients’ lives.
Our expertise lies in helping clients with unusual circumstances, including those who have been brought back by banks in the past. Where other brokers have failed, we regularly get approval from reputable lenders.
Sydney’s Credit Mortgage Loan-to-value Ratio: Maximizing Property Profit
We take a holistic approach by assessing your financial situation and long-term goals to ensure you get the right home loan for you.
Will Fortnightly Repayments Help You Save On Your Mortgage?
Because of our relationships with a panel of lenders, we are able to negotiate a faster interest rate based on the strength of your application.
We have hundreds of love letters and positive customer reviews on our website, Facebook, Google and Product Reviews.
We are the winner of numerous industry and consumer awards, including Best Customer Service and Brokerage of the Year.
In a crowded market, it’s hard to know who you can trust. As experts, we regularly provide commentary
Why Do Lawyers Get Special Treatment When Applying For A Home Loan?
Our specialist mortgage brokers will provide you with down-to-earth home loan advice and as credit license holders we are required by Australian law to give you the right loan for your needs.
Our post-settlement team is there to support and guide you throughout the life of your home loan. Not only do we answer all your post-settlement questions, but we also help you make changes, additions and modifications to your loan type.
We deal with major banks as well as many building societies, credit unions and specialist lenders who offer discounted rates and flexible credit policies.
We can give you a good indication of how much the bank will allow you to borrow and how to overcome hurdles in home loan approval.
Term Sheets: Definition, What’s Included, Examples, And Key Terms
The Finance Brokers Association of Australia (FBAA) maintains professional standards in the mortgage broking industry while our membership with the Australian Financial Complaints Authority (AFCA) protects you as a consumer.
You can rest easy knowing that we are legally required to act in your best interests under a best interest duty; While a lender has no legal obligation to do so.
We specialize in helping people with complex financial situations and who don’t meet standard loan policies. Our company’s mission is to help people who are frustrated with the Australian banking system.
Unlike most mortgage brokers who are just salesmen, we are experts in the lending guidelines used by major banks and other lenders.
Average Home Loan Interest Rates Australia
We deal with a wide variety of lenders and know their policies up front, as well as the hidden catches and potential pitfalls you may encounter.
We have a comprehensive in-house credit assessment process that we complete before applying with any bank or lender.
Most of our mortgage brokers have worked in a lender’s credit department that approves and rejects loan applications, so we can speak their language and build the case to get your loan approved!
Our sales team has a proven process to help our customers find out if we are the right fit for them.
The Best Sydney Mortgage Broker For Home Loans
If we’re in a position to help you with your home loan, no matter how complex your case, we’ll book a time for one of our specialist mortgage brokers to chat with you, obligation-free.
In the rare case that you are not yet eligible to go through your home loan process, we will still help you come up with solutions for the future and follow you until you are in a position to get a home loan.
Our services are completely free for most home and investment loans. We will only charge brokerage fees for certain types of short term loans, small loans, certain types of commercial or trust finance and if you refinance, or exit in any way, your home loan within the first two years.!
Otherwise we get paid by the lender for the work the bank manager does, so you pay the same rate as you would if you went directly to the lender.
Australia’s Cba Turns Off The Cash Tap As Mortgage War Saps Profit
However, unlike a bank, we can help you choose from a variety of lenders and get the best option for your needs from our panel of over 30 lenders.!
Are you out in the bush? Interstate? Abroad? For us, it doesn’t matter! We can deal with anyone buying or refinancing property in Australia.
Our business is streamlined to enable us to deal with your application efficiently by mail, phone, fax or email.
We generally deal with applicants from all states of Australia, particularly NSW, VIC, QLD and ACT.
Home Loan Serviceability: What Is It And How Can You Increase Yours?
We also assist foreign nationals, Australian expatriates and temporary residents to purchase owner-occupied or investment properties in Australia.
We are privately owned and can arrange loans with four major banks as well as many reputable non-bank lenders.
Unlike your bank, we have over 50 different lenders to choose from with a range of different policies so you can be confident that your home loan will be approved and not damage your credit file.
Following up on the progress of your loan can be stressful and time consuming. That’s why we deal with banks so you don’t. We have efficient systems to track your loans and provide you timely updates.
Refinancing A Home Loan
Our mortgage brokers have a much higher level of training and experience than bank lenders, many of them with years of experience in the mortgage industry.
Our authority in the mortgage broking industry is reflected in our various industry and consumer awards as well as our coverage in the media.
We can order free front valuations with more than six lenders. This means we know what the bank thinks your property is worth before you apply with them.
Ordering an appraisal before you apply for a home loan ensures that your credit file is not damaged by too many inquiries.
Lvr Calculator (loan To Value Ratio)
We can also provide you with a free copy of your credit file so you know where you stand with the banks.
The mortgage industry is a minefield of complex policy traps. That’s why we make sure to provide a complete solution keeping in mind your complete situation.
A lender may approve a loan for someone to buy land but not for building a house on it!
Our loan evaluation process is thorough. We look at your needs now and in the future and make sure we get the best loan for your needs.
Sydney Property Prices Seeing Signs Of A Downturn
What if you don’t qualify now? We’ll help you get to the stage where loan approval won’t be a problem with our purchase preparation program.
We offer exceptional ongoing customer care by conducting annual reviews on your home loan and we will be there to help you for the life of your loan.
As a member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA), we are committed to the highest standards when providing financial solutions to clients. Members must meet strict experience, education, ongoing training and insurance requirements to renew their membership each year.
Complete our free assessment form or call us on 1300 889 743 to arrange a deal with an expert mortgage broker who can get the job done right the first time.
What To Do When Your Interest Only Loan Is Expiring
We aim to set an example by delivering on our promises: high level of service, good advice and good home loans.
“…From the beginning the service, care and attention to my needs was excellent. And that continued with every contact, in fact I would say it went well, which is the opposite of almost everywhere else…”
“…He was able to find us a loan at a good rate, quickly and with minimal fuss when others told us it would be too difficult. Very impressed with their service and would highly recommend Home Loan Specialists in the future.
“…absolutely excellent!!!! I would give more than 5 stars if I could. My friend and I cannot speak highly enough of her. We are in a very difficult situation and this is our first time buying a home, but nothing was too difficult. …”
Home Loans: Midkey Mortgage With No Repayments Until You Sell
“…provided an excellent service that included a very quick turnaround in processing our applications and providing guidance and valuable advice in our efforts to secure a home loan for us….”
“…made the application and settlement process incredibly easy and stress-free. They provided very clear information and responded quickly to any questions. They were very transparent about all aspects of the process.”
Learn all the home buying tips and tricks banks don’t want you to know from our experts with 15+ years of industry experience. Your loan-to-value ratio (LVR) and equity are important parts of your mortgage. Equity can be an untapped source of wealth, while your LVR tier can set the interest rate on your mortgage payments. But few borrowers understand what these home loan terms mean and how they compare.
So let’s break it down. What’s the difference between your debt-to-value ratio and your equity? and why
How Long Does A Home Loan Pre Approval Take?
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