How can a Mortgage Broker Brisbane help me?
The best Mortgage Brokers can help by answering all your questions and walking you through the entire home loan process. Right from the start, our Brisbane based Mortgage Broker will come to your house for a free consultation, gathering your information and presenting you with multiple of the best interest rate home loans available at the time. Once you are happy to move ahead with a pre-approval or formal approval, we will take all the relevant documents from you to lodge the whole loan on your behalf, taking all the hard work out of it for you. The best Mortgage Brokers Brisbane has to offer will make the process seamless, quick and easy for you whilst keeping you updated throughout the entire application. The banks then pay us a fee upon your applications approval, meaning you don't have to pay us a cent.
As members of the Finance Brokers Association of Australia and the Credit and Investments Ombudsman, you can feel assured that we will act with the utmost integrity.
You get a wide selection of home loan options with a Mortgage Broker.
Mortgage Brokers have access to the products of many different lenders, including banks, building societies, credit unions and non-standard lending institutions. Talking to a Broker gives you the chance to look through the best interest rate options available and have any questions you might have answered on the spot.
The Home Loan Broker does all the hard work for you.
Home loan application are long, tedious and boring. Enlisting a Broker to act on your behalf means they will fill out all the forms for you, and explain everything in plain English so you can feel confident moving forward.
Mortgage Brokers work on a service-based model.
Without providing exceptional service, even the best Finance Broker will quickly go out of business. More than half of all broker-sourced home loans Australia wide are initiated by a referral by someone who's had a great experience with the Broker in the past. You should expect all Brisbane based Mortgage Brokers will work hard to provide an exceptional service to you, often working after-hours and weekends to make your life easier.
Why not go straight to the bank?
Going straight to the bank is a valid option, however a Mortgage Broker can provide a lot of value at no cost to you. A Finance Broker can compare the various banks' policies and products to help get your loan approved the first time. A large portion of people that apply through a bank directly don't make it to settlement - let us help take the pressure off and get you your home loan. For more information, see Mortgage Broker vs Bank - Pros and Cons.
How do Home Loan Brokers get paid?
The bank paid us a commission for submitting the loan on your behalf. We only get paid after settlement and as such make nothing if we can't get your loan approved. Most banks pay very comparable commissions, however all commissions paid from the selected bank and it's competitors will be disclosed to you prior to your application. For more information on how we are paid, and how much, please follow this link
Frequently Asked Questions about a Mortgage Broker...
Why use a Mortgage Broker?
A Finance Broker can save you time, money, and a lot of stress when it comes to getting a home loan. We work after hours; at no fee to you; and we work for you, not the banks. For a more detailed explanation of why you should use a Mortgage Broker instead of going directly to the bank, please read this article.
Does your Mortgage Broker only service Brisbane??
We can do loans all over Australia, sometimes over the phone. Our Finance Broker is however based in North Brisbane, and as such can service all surrounding areas in person: Albion – Alderley – Ascot – Aspley – Bald Hills – Banyo – Boondall – Bracken Ridge – Bridgeman Downs – Brighton – Brisbane Airport – Carseldine – Chermside – Chermside West – Clayfield – Deagon – Eagle Farm – Everton Park – Fitzgibbon – Gaythorne – Geebung – Gordon Park – Grange – Hamilton – Hendra – Kalinga– Kedron – Keperra – Lutwyche – McDowall – Mitchelton – Myrtletown – Newmarket – Northgate – Nudgee – Nudgee Beach – Nundah – Pinkenba – Sandgate – Shorncliffe – Stafford – Stafford Heights – Taigum – Virginia – Wavell Heights – Wilston – Windsor – Wooloowin – Zillmere.
How much does a Mortgage Broker charge?
While some Mortgage Brokers do charge a fee for their service, most do not. Our Finance Broker does not charge the customer anything for arranging their home loan, we receive our income directly from the banks.
How do I know a Finance Broker is working for me, not the best commission?
While other Finance Brokers may not always have the customer’s best interests at heart, that’s certainly not common practice. We will always fully disclose all commissions we receive for arranging your home loan.
What do I need to apply for a home loan?
Every situation is different, but all most people will need a 5% deposit and a regular source of income. The bank will look at your assets, liabilities, income, expenses, and general lifestyle when assessing your home loan application. If you are self-employed you should expect to be asked for 12 – 24 months of financial documents.
How much do Home Loans cost?
Home loans in Brisbane have no upfront costs in many cases; however, they can have upfront fees of up to $600 or more depending on what home loan product you are looking for. Your home loan broker will walk you through this.
How long does it take to get a Home Loan?
This depends. If you are looking to get your home loan in a hurry, we have lenders that can approve home loans in only 24 - 48 hours. If you are looking for the cheapest interest rate, it may take 10 – 20 business days.
Are you the best Mortgage Broker in Brisbane?
Without making outlandish claims, we do work hard to be the best Mortgage Broker Brisbane has to offer. We so far have received no negative reviews and have successfully kept each of our customers happy.
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *The comparison interest rates shown are based on different loan terms, fees, securities and loan amounts. Please click the interest rate button for the relevant details relating to the comparison rate. Applications for finance are subject to normal credit assessment. Conditions, fees & charges apply.