The Difference Between a Mortgage Adviser and Going Directly to a Bank
A mortgage adviser helps you find the right lending solution and provides ongoing support throughout your loan journey.
Our mortgage advisers maintain long-term relationships with a wide range of banks and non-bank lenders. With access to extensive lending information, we stay up to date with each lender’s products, lending policies, current interest rates and cashback offers. This allows us to recommend suitable lenders and loan products based on each client’s circumstances and borrowing needs. For example, for a first-home buyer borrowing $400,000, the difference in cashback between two banks could be as much as $1,400.
We provide flexible and proactive service, working around our clients’ schedules and preferred locations to discuss their needs, collect documents and keep them updated throughout the loan application process.
After obtaining loan pre-approval, we continue to support clients throughout the property search and settlement process. Our one-stop service can include confirming with lenders whether a property and its price range meet lending requirements, as well as coordinating with lawyers, registered valuers, building inspectors and other professionals to help make the buying process smoother.
Our support continues after settlement. When it is time to refix your home loan, we can provide guidance on available options and, as your circumstances change, help review and optimise your loan structure throughout the life of your mortgage.