Big city bank or a mortgage broker Bellingham?
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 Bellingham mortgage broker is a home loan authority who will do all of the research to find you the best deal from hundreds of loans. They’ll help you with the paperwork and all of the administration requirements right through to settlement.
Efficient service.
Whether you’re looking to purchase a property in New South Wales, Queensland, Victoria or Western Australia, a local mortgage broker has the following advantages:
- A convenient location in your area
- Intimate knowledge of the local property market
- The ability to present the strengths of your purchase to lenders with regard to suburb, security value, and local trends
- Established relationships with local lenders and other service providers such as accountants, lawyers and real estate agents
An independent position.
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.
Speed and efficiency.
In most cases we get conditional approval from the lender of your choice within 24 hours of lodging your application. Sometimes it’s approved the very same day. And while our fully trained brokers aim to make the process as fast and efficient as possible, they never cut corners. We want you to be confident in your final decision, so we’ll be there to answer any of your questions and concerns along the way.
We are committed to serving the best interests of our clients at all times. This may mean recommending to a client that they delay their home loan application until more of a deposit has been saved to ease the pressure of high repayments. The fact is, no two borrowers are the same and we assess every set of circumstances individually in order to determine the best course of action to take.