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Using a Mortgage Broker

If you want to buy your first home or investment property, speaking to a mortgage broker is a good first step.

Here are some factors to be taken into account when determining how much you should borrow rather than how much you can:

  • Probably the best way is to start with something affordable, and move towards your dream home as your personal earning capacity and equity grows.
  • Think about what the future holds – both personally and financially. Are you a one or two income household and is this likely to change in the future?
  • Consider how any rate rise will impact your ability to make repayments.
  • Borrowing too much can be a big strain on your personal life and lifestyle. How much you can borrow and how much you should borrow may be two very different things.

Assessing your needs

First, we’ll discuss your property goals, factoring in your loan requirements in light of your lifestyle, job, family and other aspects. We’ll also discuss the type of documents needed such as pay slips, tax returns and personal bank statements.

Second, we’ll describe one or more home loans that fit your borrowing needs. We will be able to search through our database and sophisticated software.

Managing the loan process

Third, we can help you fill in the necessary paperwork to get the loan process underway. This may include submitting your home loan application on your own behalf, communicating with all relevant parties and managing the entire process.

So why to use a mortgage broker?

  • Save time – the broker can do the groundwork, making easier to find a loan suitable for you.
  • Industry expertise – the mortgage broker knows which loans are available.
  • Reduce stress – We can help you get the most appropriate type of mortgage, manage the paperwork and keep you updated during the whole process.
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