How can a Kirribilli mortgage broker help me?

One of the big positives of using a mortgage broker is more choice for you.  Mortgage brokers work with a panel of lenders, such as National Australia Bank and Westpac are aware of what each lender is offering. Mortgage broker professionals save you having to do a lot of running around from bank to bank trying to find yourself a home loan, and can make the whole process a lot more efficient for you, meaning that you can get a great home loan as soon as you need it.  Especially when considering first home buyer.
 

What will my Kirribilli mortgage broker do for me?

Put simply, a mortgage broker works to find you a home loan that will be competitive, yet still suit your life.  A mortgage broker knows the lowest interest rates, which loans offer the best features and knows some great tactics for paying off your home loan faster.   It is their job to locate home loans every day, to keep on top of changes in the market and offer you the best chance of getting a great mortgage.

Why don’t Kirribilli mortgage brokers charge for their services?

Generally, it costs the client nothing to see a mortgage broker.  Mortgage brokers so not charge for their services, instead they are paid a commission by the lenders.  This commission does not result in you paying more, the rate on your home loan is not affected by the commission paid to the broker.  All commissions should be disclosed to you along the way.  Good mortgage brokers are not influenced by these payments, instead they seek to get the best mortgage for you.

Why go to a Kirribilli mortgage broker instead of direct to a lender?

Most people just simply do not have the time to visit different lenders and search through hundreds of home loan options.  There are so many choices it can all get quite time-consuming very quickly.  A mortgage broker will be able to do a lot of the legwork for you and then talk you through the home loan products that best suit you. A good mortgage broker will offer advice, assistance, answer your questions quickly, and help negotiate a great deal with your chosen lender.

What if I want to re-negotiate my existing mortgage?

Mortgage brokers are experienced in all types of negotiations and as they deal with mortgages every day, they know what each lender can typically offer.  Your current lender will already have all your details and credit history, so your mortgage broker can talk to your current lender and see if any new home loan options are available that would suit you.  Sometimes changing your mortgage comes with fees and charges, and your mortgage broke will be able to talk you through these to make sure it makes financial sense to renegotiate.  Circumstances change, and from time to time people do need to change the terms on their home loan.  Mortgage brokers understand this and work on your behalf to negotiate a great new home loan for you.