Why use a Mortgage Broker Guildford West?
Greater choice gives you more options when it comes to choosing your home loan. Before mortgage brokers, the big banks could dictate the interest rate, terms and conditions of all their loans and few people had the time to shop around for a better deal. But that’s all changed now.
Independent mortgage brokers have forced lenders to offer more competitive products. Your Guildford West mortgage broker is a home loan master who will do all of the research to find you the right deal from hundreds of loans. They’ll help you with the paperwork and all of the administration requirements right through to settlement.
It's not all about interest rates.
We deliver a fast, efficient loan application process without compromising on thorough service and attention to detail. In fact, depending on your individual circumstances, we can often get a conditional approval for your loan within 24 hours or even a same day approval in some cases. However, if more time is needed to understand your situation and respond to your questions or concerns then we’ll certainly provide an extended service so that you can apply for your home loan with absolute confidence.
It’s all about good service.
Our service commitment includes help with the preparation and online lodgement of your loan application, and liaising on your behalf between all parties involved including the lender, solicitors, real estate agents and builders. From our initial discussions right through until settlement, our services are free. We are remunerated by the lenders once your loan has been granted based on a standard industry rate.
Real customer service.
The amount of deposit required varies from person to person and is dependent on your borrowing capacity, the value of your purchase and the other costs involved such as stamp duty, legal fees and Lenders Mortgage Insurance. Generally speaking however, you need a deposit of at least 5% of the property’s value.
When you engage the services of a Your Local Finance mortgage broker, your dealings with us are entirely transparent. For instance, all commissions we receive from lenders in return for referring your business are fully disclosed to you during the application process. Should you have any questions regarding our remuneration, we are more than happy to discuss these with you.