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Mortgage Brokers Brighton
Our services are always 100% free.
Are you..
Your Brighton mortgage broker
We will always have your back, handling everything for you through our unmatched client service that allows us to find the best loans for our clients. This is in combination with our expert knowledge of the markets and partnerships with financial institutions.
unmatched customer service.
If you are looking for reliability and diligence - we've got your back.
Why Use A Mortgage Broker?
We will be doing all the work for you, it’s as simple as that. While you will be given expert advice on the best options available to you. No need to conduct research on your own, because we have the processes and systems that will help us find the most competitive mortgage that suits you best. What more? All of this is free, so you have nothing to lose.
With the large amount of mortgage products available in the market, it becomes more and more confusing as they constantly update and change, as a way of adopting to an ever changing environment. As you Mortgage Broker, it is our job to, first, understand your financial goal. We will then assess your current financial status and long-term goals, and find the right loan product that will provide the best value that will best serve your strategy best. Upon finding the suitable option for you, we will be helping you from the start of the loan approval process, until you have received the loan from your bank. There is even no need for you to get up from your desk, as it is part of our end to end service offer.
We will eliminate whatever hinders you from choosing both the right lender and the right loan through our access to special rates that can be used for your benefit. We will also be making sure that all parts of the loan are fully transparent and easy to understand for you, which we are more than happy to break down.
Your personalised Mortgage Broker service in Brighton.
Many individuals make the biggest mistake of not considering any banks, other than that they have always been with – not knowing that the other financial services may be a lot suited to them as they can be provided with more value. It’s our sworn duty to provide you with a solution tailored to your needs, and understand your current financial situation.
We also want you to save money on your home or investment loans, and make sure that the loan you get is the most competitive that is currently available on the market. We commit ourselves and our full availability to you, and be with you every step of the way.
First Home Loan Deposit Scheme
The federal government’s First Home Loan Deposit Scheme has, once again, commenced last July 1, 2020, and the race is now on for the limited spots. You can void the Lender’s Mortgage Insurance (LMI) and save yourself up to $10,000.
First home buyers are allowed by the scheme with only a 5% deposit to purchase a property without paying for LMI – saving you up to $10,000. Only 10,000 slots are made available this financial year.
What is the First Home Loan Deposit Scheme?
The payment of the LMI when taking out a home loan is the common option given for first home buyers who want to have a deposit of less than 20%. But the First Home Loan Deposit Scheme of the federal government allows eligible first home buyers purchase a property with only a 5% deposit without having to pay for LMI.
Make sure to contact Mortgage Brokers Brighton about the First Home Loan Deposit Scheme!
Give us a call today if you are considering of applying for this scheme as you are about to purchase your first home.
Buying your first ever home?
Let us do the leg work and help you purchase your first home with just 5%.
Why Choose Us?
We will make sure that you are provided with premium service, an access to all the loan options available to you, and provide the most up-to-date strategy that is relevant in the current financial environment. It is going to be our responsibility to find you the most competitive and most valuable loan option that is currently available. And on the event that a better solution is available in the next 12 to 24 months, you will be kept updated and we will provide you with the best options to how you can best take advantage any new opportunity.
We want to choose the right loan for you and your family, as it is amongst the thing we pride ourselves in – authenticity. We always make sure that your experience is personalised, because we make sure we really get to know you, and work with you one on one.
We are making ourselves constantly available, giving you 24/7 access to us, help cater to anything you need, and to answer any questions that you have. We want to make sure that we have a long-lasting relationship that goes beyond a “transaction” so each client is treated as one big family.
Always on Time
We'll get your application processed super quickly.
Hard Working
We're entirely committed to our clients.
24/7 Availability
We're always here to help.
You don’t need to ask yourself “Who is the best mortgage broker near me” anymore.
We are an honest and reliable mortgage broker, that is experienced enough to handle your financial needs. We want to be the one stop shop that you can go to for anything regarding your home loans and other financial services, so you can trust us to look after everything for you. We will always be there to support you, and work with you to achieve your long term goals.
You will surely have everything to gain with us!
We offer a full range of financial services
Relocation loans
Refinance your home loan
There is no need to look further, if what you seek is a way to refinance. We’ll explain the entire process to you, and how it can be beneficial to refinance your loan with us.
Ultimately, you have nothing to lose! We look after the entire process.
Reasons to REFINANCE
It is easy to refinance with Mortgage Brokers Brighton. We have a simplified and streamlined online process to make sure that application goes through the channels swiftly and quickly.
As there are other options in the market, we’ll make a comparison of your current loan, and let you know if we find lower interest rates for a similar loan product.
We will be checking your portfolio and see how much equity we can utilise to help unlock from your property. We can use the existing equity to fund your investments, or upcoming projects that may require cash flow.
We will help you combine where your debt comes from, such as personal and credit card loans to keep things simple and easy.
Give us a call today.
Let’s have a chat to see how we can help you best.
1. Call us or fill in the form
We will first talk about your current financial status, and how it looks like. We want to really understand how we can best be of service to you, and understand you on a deeper level. We will have a lot of questions, but we’ll help you find the best strategy possible to help achieve your financial goal. Whatever you will get from us will be 100% tailored to your needs, because we understand that each of us are different. We will be giving you a breakdown of how the process works, how the markets work and what the current financial environment is like.
You will be taught about how loan instruments work and what the effect of the different types of loan product will have on you. We will make you understand how interest rates work, and the difference between an 'interest only' loan versus a 'principal and interest' loan. We understand the importance of foundation understanding and how valuable they can be.
2. arranging a pre-approved loan
With the understanding of your financial status, goals, and what you want to do, we will be outlining and formulating the best strategy to meet your needs. A pre-approved loan is one of the best ways to give you peace of mind if you want to have an investment purchase, like a new home. You will be given a clear indication of your spending limits, and the chance to make an offer for any of the property you are interested in. The pre-approval process is super quick, which will allow you to shop around quickly, without losing time.
You’ll be given a breakdown of what everything entails, such as the interest rates, monthly repayment costs and alternatives to consider. We’ll be explaining to you things such as 'fixed' vs 'variable' interest rates and package deals that are currently available, compared to a simple loan offering. We’ll be discussing with you the pros and cons of the bank that you should partner with (i.e. small lenders vs big lenders), their capabilities and the likelihood of allowing you to borrow more, It will also depend on your long term goal - for example, if you're a keen property investor who wants to scale your portfolio. Only looking into banks that provides the lowest interest rate, and not considering their lending capability in the long term is a big mistake that some people often make. Some banks are less willing to let you leverage yourself and borrow more, so it's always important to consider all options for the long term.
3. We will then help get your loan approved and settled, while you don't have to do a thing.
Upon getting the approval for your loan going, and upon receipt of the requisite documentation, we’ll be communicating with the bank and provide you updates along the way. It may take around 1-2 week for us to settle and finalise everything.
Our ties will not be severed after the settlement of your loan. Mortgage Brokers will be with you during the life of the loan, and continue to look after you and answer whatever questions you may have.
Every year we will be reviewing your loan and make sure the loan package you are receiving is the best. We will be comparing them with other lenders, and negotiate with your current lender on your behalf to identify whether we can secure a lower rate for your loan package, or seek to refinance with another institution only where you are clearly in a better position.
Home loans
Mortgage Brokers Brighton has a team of industry experts in educating our clients and providing guidance on finding the best home loan package. We are aware of how stressful the property purchase process can be. You not only have to choose the right location, but also the best financing options, the paperwork involved, as well as the fact that it’s fairly time consuming.
We understand that the entire process may appear daunting, especially as a first time buyer. But we will ensure that what you will have is the right home loan in Brighton, and the first step we will take is to assess your financial status, together with your financial goals. This is a way for us to understand the best value package that will suit you best. We will assist you as your process your pre-approval, which will allow you to enter contract negotiations for the property you’re looking to purchase. We will also be completing the entire loan application process for you, and have you updated all throughout, from beginning to end.
We can facilitate the First Home Owner Grant application for you if you’re a first home buyer, and assist you through the qualification process.
Investment loans
We know exactly the best deals that are currently being offered, and find you the best loan package available if you’re looking for an Investment Property Loan. We will be discussing with you the appropriate loan structure, be it interest only, or principal and interest. A strategy will also be employed to minimise any potential lender’s mortgage insurance (LMI) for your investment strategy and expected returns.
We will also be there to review your entire property portfolio, help make sure that the deals you are receiving are nothing but the best, and negotiate with the banks on your behalf. We will be working with you continually to suit your convenience, and to help you identify which loan products is the most competitive and has the most value for money from a variety of selections you can choose from. We will also help you in managing your deadlines, including your property valuations and settlement dates.
And we did mention that we are doing all these without costing you anything? Isn’t that amazing?
Renovation loans
We understand how pricey home renovations can get. And it is especially true for properties that need quite a lot of structural work, requiring a lot of additional capital. You have several options in funding these activities, and it is important to consider, and make sure that your cash flow in hand is enough for all your financial obligations in totality.
You have several ways to choose from, mainly it would involve the payment of such using your own savings, or to utilize an equity if you have enough built up from your existing property.
Construction loans
It is always an exciting prospect, having to build your own home or investment property. But managing the costs and expenses in respect to building and construction costs, complicates everything. A construction loan can easily take care of your home construction’s finances, but it will not be easy to secure one for yourself.
A construction loan can offer you flexibility with special construction conditions. You loan can be drawn down in either instalments or in chunks (called ‘progressive draw downs’), for payments to be received at different stages of your construction project. This is often the case as most of the time, there will be no need for the cash up front, but rather in stages. A predetermined loan amount that is set by the financial institutions will be the source of the draw down. Therefore, the advantage is that you only pay interest on the amounts you draw from the loan facility.
Commercial loans
Many different lenders and financial institutions are offering commercial financing, allowing you to have a working capital for your capital funding ventures.
Our Finance Brokers Brighton team are more than capable of helping you achieve an investment strategy for sourcing the right type of borrowed capital that will best suit you. Whether it is for a short term or a long term commercial finance, our team will be able to source the best value debt that will be funding your next business venture or project.
Car loans
It won’t be easy for you to purchase your dream vehicle. That’s why we at Mortgage Brokers Brighton can help you source the best value car loan, to ease the cash flow without having the need for you to front the cash, all at once. It will also help you budget your monthly expenditure.
We will find you the right lender and loan package, and formulate a strategy that is tailored to you and your needs, so you can get behind the wheel of the car that you have always wanted.
Not located in the Brighton? No worries - we can serve anyone nationally with ease.
We service all areas of Brighton
Approved Brighton Mortgage Brokerage Service
Allow us to do all the heavy lifting for you. We will be sourcing out the right loan product that is delivered through an end to end solution, to help you achieve your long-term financial goals. We commit ourselves to helping you and being with you every step of the way, and even more. Our goal is make sure that you are fully satisfied with you experience with us, and ensure that every single criterion is met, to the highest possible standard. Helping and educating is not only a passion but is also something that we do best. We bring many years of experience to the table, carefully constructing the right financial strategy that is personalised based on you and your financial requirements and needs. We will be working with you from scratch, and carefully put together and procure the right loan strategy, exactly for you.
Again, we will not severe our ties the moment your loan is approved, because it is only the beginning for us. We will stay in contact and review everything regularly, and reconnect and strategise if need be. Using our access to the best deals on the market, it only makes sense to speak to a qualified and licensed professional that will provide you with access to amazing deals, as well as take care of the burden in filling out the paper work for you efficiently, and seamlessly. It’s a complete win-win for our clients.
We will be assisting you and putting everything for you, all you need to do is relax, and focus on doing other things.
Call today.
Making financial decision will always come with a lot of headaches and stress. Hence, we will always be by your side and ensuring that you are receiving the best financial services and value possible. It will be our job to provide you complete peace of mind. Let our Mortgage Brokers Brighton look after you.
Our one and only goal is to provide exceptional customer service to our clients. We want our clients to be confident that they are very well looked after, and receive the highest quality of work, and leave our clients with new knowledge afterwards. We’ll listen to what you need, and provide a service that is complete and transparent, so that you are kept up to date.