Mortgage Broker servicing the Gold Coast
Why use a mortgage broker?
Home Loan Pre-approval
A home loan pre-approval, means that you can shop for your dream home knowing that the lender has already said yes. This puts you in a much better place when negotiating on price and also allows you to stay within your budget.
First Home Buyers
Many of my clients are first home buyers and I know this is an exciting time; it is also a time to make sure that you have the right assistance with the choices you make.
Family Guarantee Loans
Ideal for first time home buyers who service well on their income for a loan but lack savings for the deposit. This solution avoids lenders mortgage insurance – saving thousands on the loan.
I can assist you with purchasing your investment property whether you’re starting off or an experienced property investor.
Significant savings can be achieved by consolidating all of those debts that have a high interest rate into your home loan.
I can assist you in refinancing your mortgage to another lender, by negotiating a better rate or conditions of the loan. I will help by explaining the costs associated and show the benefits, so that you may make a more informed decision.
Low Document Loans
Low doc loans or Low documentation loans for self employed people, means just that. If you don’t have your tax returns ready or you don’t have the full financial history required to satisfy the lender then you may not qualify for a standard loan.
Negative gearing, capital gains and a possible Labor victory
With the recent leadership spill - many questions have been raised. What does it mean for Australians and the housing market? Two things come to mind…
Rates are rising, but who will join the party?
Westpac has broken the rate rise stalemate between the Big4 when it decided to raise home loan interest rates. With the official cash rate staying put by the Reserve Bank of Australia (RBA) and 3 of the Big4 now with a rate rise in play, who else will play copy cat and hike up their rates too?
Bank or broker? Who should help you with your loan.
While there’s a lot to know when it comes to getting competitive, hassle-free advice on a loan, the question remains do you go with your bank or a mortgage broker?