One of the very first things you will do in life that is certain to give you sleepless nights or at the least, moments of panic and anxiety is when you go down the road to home ownership. The thought of signing up to a large mortgage can be very daunting
# How much can I afford to borrow?
# What kind of loan do I need?
# How will an interest rate rise affect me?
# Do I need a variable or fixed interest rate?
So it is important that you gainseek out advice when choosing your mortgage and just as importantly, the mortgage broker that is right for you.
Gone are the days when you needed to do all the leg work, going from bank to bank, gathering all the information about various mortgage options, and then sitting down at home trying to fill in all the forms only to get rejected because you missed something. It's too important and so very easy to do it wrong.
Save yourself time and stress - use a reputable mortgage broker! Look for a broker who works in your local area; someone who will take time to meet with you and who will analyse what kind of home loan will best suit your needs. Remember to check that they are fully accredited with both the Mortgage & Finance Association of Australia (MFAA) and Finance Brokers Association of Australia Ltd (FBAA).
You don't need to be limited to the range of mortgage products that the 4 big banks offer. Select a mortgage broker who has access to hundreds of different loan products through banks and non-bank mortgage lenders. They will be able to offer advice on a diverse range of home loans which ensures that you find a loan that gives you all the flexibility, affordability, savings and repayment freedom you need.
Not only do you get more choice but taking the advice of a mortgage broking professional incurs no charge. In fact, the whole purpose of using the services of a mortgage broker is to ideally save you money! So why wouldn't you engage an experienced industry adviser who can give you up-to-the-minute information about new home loan products entering the market?
Mortgage brokers do all the work for you; their customers needs and circumstances are matched to the mortgage that suits their unique situation. They offer a diverse range of solutions that make is very easy for clients to afford what they want, when they want it. They will explain all the features, benefits and costs associated with the home loan they recommend.
The proprietor of Home Loan Advisers, Bill Pitt, has over 30 years of knowledge and experience to help guide you through the maze of home loans and help you with a smooth and stress free loan experience.
-Bill Pitt
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