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When looking to buy your first home, a pre-approval for finance is a great place to start. This essentially means you have been assessed by your lender and they have indicated they are comfortable lending you up to a certain amount. Once you have obtained a pre-approval,
generally speaking the only other requirement for the lender is to confirm the property you are purchasing aligns with their lending criteria.

Pre-approvals can help strengthen your position when making an offer to purchase a property as it tells the seller that you already have your finances in order. It also helps ensure you are focusing on properties within your price range. It’s important to note that getting a pre-approval does not necessarily mean you are guaranteed to get your loan approved.

When we talk about a ‘loan product’ we are referring to the thousands of options that are currently available for you for your loan. Each bank (or lender) has a range of different loan options – low doc, package loans, re-draw facilities, fixed, interest only, interested in advance, variable, introductory variable are just a few. The issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in.

If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs.

We have access to many lenders – these include the major banks, second tier lenders and credit unions. We can source you a loan from the lender of your choice.

Here is just a few of the lenders we deal with everyday:

We recommend that you see a mortgage broker as soon as possible. They are able to help establish how much you can borrow before you start looking. This makes things a lot simpler when it comes to making an offer.

The great thing about using a mortgage broker is that they are trained in handling mortgages. They will work with all the parties involved from the real estate agent, the lender and the settlement agent to ensure everything goes smoothly for you.