Imagine a situation like this; Weekend after weekend you and your partner go looking for open homes. Then six months later you finally find your dream home. You speak to the real estate agent and he says the owners will only accept offers over $450,000. You then quickly approach your bank for a pre-approval and the banking officer say the highest amount you can borrow is $350,000. Now what do you do? Do you forget about this house or do you go after all the other banks to get a better pre-approval?
You see, that’s when a mortgage broker comes into play. You don’t have to do everything yourself. A mortgage broker deals with a variety of lenders and because we have so many options, in most cases your borrowing capacity maybe higher than what your main bank provides. So, imagine being eligible to get a $490,000 pre-approval and potentially purchasing your dream home. Possibilities you otherwise may not have and all for free…
This is because as a mortgage broker, we have lenders who factors those who do casual shifts and those who do more overtime hours than those contracted when calculating the maximum loan amount.
We start by meeting you at a time and place that suits you – at home, at work or over a coffee; during the week, at night or over the weekend – we’re always flexible. We’ll look at your current loans and financial circumstances and then research and find the right solution for you. We take care of the paperwork, manage the application process and then take it through to settlement.
We can get things moving quickly. We’ll work with our lender networks and contacts, securing your finance as fast as possible.
It’s more than just loans.
Lenders will ask you to take out insurance on your new property. We can help you arrange cover to keep the approval process moving quickly and hopefully save you some money.
It’s all about you.
We work for you and not the bank. We get to know you personally to understand your unique circumstances. From our experience, we know which lenders will have the product that will meet your needs. And we negotiate for what’s right for you, not what’s right for the lenders.
So, let us help you find your dream home or next investment property.
Call Premier Financial Advisors on 03 8806 3742 or visit our website and like our facebook page!