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Think you’re paying too much on your loan?

(You probably are.)

 

 We can help change that.

 

Does this sound familiar?

You don’t like paying more than you have to

You’ve never once offered to pay full price for something on sale. But it’s not always easy to identify when you’re paying overs on your home loan. Here’s the thing though… if you’ve been comfortably meeting your loan repayments for a few years now, there’s a good chance you’re paying more than you need to. Partly because you can manage it and partly because lenders release offers they don’t always make available to existing borrowers.

Getting someone to review your loans has been ‘on the list’ for a while, but not a priority 

You understand the importance of reviewing your loans regularly, but life keeps getting in the way. Your salary comes in, the repayment comes out and to be honest, your mortgage is not something you really think about day-to-day. You don’t feel like you’re getting ahead on your mortgage – but you’re not going backwards either – so you’ve just been content to do nothing.

You don’t necessarily want to switch lenders 

There are things that annoy you about your current lender (like, they increased their rates), but they’re O.K for the most part. You like your internet banking set up, the credit card points you get and your every-day banking is easy to manage. Things are comfortable the way they are. You don’t want to switch lenders or make things overly complicated just for sake of it. 

You don’t know what you should be ‘reviewing’ 

You started to check-up on your home loan a little while ago and things got complicated rather quickly. You tried to compare rates (but they differ accordingly to the repayment and loan type) and then loan features (but you’re not even sure which ones you actually need) across multiple lenders. And it all became too hard. So, you decided to do nothing and stay with your current lender. But you’re still not sure whether this was the right thing to do.

You want to own your home one day but you don’t want to change your lifestyle 

Of course you’d like to own your home one day and you’re pretty confident you’ll get there in time eventually. You often think you should be doing more to pay down your home loan faster, but you want to enjoy life too. You want to go out for dinners, take the family on overseas holidays and treat the kids once in a while. It would be great if you could find a way to do both.

You don’t think the hassle is worth it

Collating statements, doing comparisons, chasing up the bank, spending time on hold – reviewing your loans seems like a hassle. The last thing you need is another thing to manage – especially this close to Christmas/ your holiday/ your little one’s birthday/ every-day life. Maybe there’s another way you could easily save money… 

Does this sound familiar?

You don’t like paying more than you have to

You’ve never once offered to pay full price for something on sale. But it’s not always easy to identify when you’re paying overs on your home loan. Here’s the thing though… if you’ve been comfortably meeting your loan repayments for a few years now, there’s a good chance you’re paying more than you need to. Partly because you can manage it and partly because lenders release offers they don’t always make available to existing borrowers.

You don’t know what you should be ‘reviewing’ 

You started to check-up on your home loan a little while ago and things got complicated rather quickly. You tried to compare rates (but they differ accordingly to the repayment and loan type) and then loan features (but you’re not even sure which ones you actually need) across multiple lenders. And it all became too hard. So, you decided to do nothing and stay with your current lender. But you’re still not sure whether this was the right thing to do.

Getting someone to review your loans has been ‘on the list’ for a while, but not a priority 

You understand the importance of reviewing your loans regularly, but life keeps getting in the way. Your salary comes in, the repayment comes out and to be honest, your mortgage is not something you really think about day-to-day. You don’t feel like you’re getting ahead on your mortgage – but you’re not going backwards either – so you’ve just been content to do nothing.

You want to own your home one day but you don’t really want to change your lifestyle

Of course you’d like to own your home one day and you’re pretty confident you’ll get there in time eventually. You often think you should be doing more to pay down your home loan faster, but you want to enjoy life too. You want to go out for dinners, take the family on overseas holidays and treat the kids once in a while. It would be great if you could find a way to do both.

You don’t necessarily want to switch lenders

There are things that annoy you about your current lender (like, they increased their rates), but they’re O.K for the most part. You like your internet banking set up, the credit card points you get and your every-day banking is easy to manage. Things are comfortable the way they are. You don’t want to switch lenders or make things overly complicated just for sake of it.

You’re not sure the hassle will be worth it

Collating statements, doing comparisons, chasing up the bank, spending time on hold – reviewing your loans seems like a hassle. The last thing you need is another thing to manage – especially this close to Christmas/ your holiday/ your little one’s birthday/ every-day life. Maybe there’s another way you could easily save money…

It’s ok. We’re here to help.

With so many things calling for your attention, it’s easy to fall into the trap of thinking, “If it ain’t broke, don’t fix it.” It’s human nature to prioritise – and make time for – things that require our urgent attention.

Like replacing the car because the engine decided to die. Or repairing the roof because it leaks every time it rains. Or installing evaporative cooling because you absolutely cannot cope with another Canberra summer. 

It’s jobs like these that tend to get your attention because you can immediately see and feel  that things aren’t working.

It’s a little harder to identify a defective (or more costly) mortgage, especially if you can afford the *higher-than-they-should-be* repayments.

BUT.. if you really knew  how much extra you’re paying in additional interest and/or fees, you might prioritise a home loan review.

 For almost two decades, we’ve been helping home owners save money on their existing loans.

We can’t wait to do the same for you.  

Who are we? Who is MMO?

MO’R Mortgage Options (MMO) is a family team of mortgage brokers.

Our story starts almost two decades ago, when Founder Michael O’Reilly began buying and selling residential property. Michael conducted EXTENSIVE research when exploring his finance options because he didn’t want to pay a single cent more than he had to. But after personally speaking with numerous lenders, Michael discovered he wasn’t always offered the best solution or lending advice.

Michael knew that home owners were accepting these second-rate lending solutions, simply because they were unaware of what else was available. Michael wanted to share what he’d discovered with others, so they too could create strong financial foundations for their families. Michael opened the doors to MMO in July 2000, committed to do exactly that. 

Since that day, Michael has helped thousands of clients create wealth through property – families we continue to assist today. And just like a good recipe, over the last 13+ years, the secrets have been passed down to the next generation with Michael’s sons Daniel and Brendan and daughter Kathryn, leading our growing team of mortgage brokers.

We do the work. You save the money.

 

Book in for a home loan review today.

 

 

Meet our team…

Who are we? Who is MMO?

MO’R Mortgage Options (MMO) is a family team of mortgage brokers.

Our story starts almost two decades ago, when Founder Michael O’Reilly began buying and selling residential property. Michael conducted EXTENSIVE research when exploring his finance options because he didn’t want to pay a single cent more than he had to. But after personally speaking with numerous lenders, Michael discovered he wasn’t always offered the best solution or lending advice.

Michael knew that home owners were accepting these second-rate lending solutions, simply because they were unaware of what else was available. Michael wanted to share what he’d discovered with others, so they too could create strong financial foundations for their families. Michael opened the doors to MMO in July 2000, committed to do exactly that.

Since that day, Michael has helped thousands of clients create wealth through property – families we continue to assist today. And just like a good recipe, over the last 13+ years, the secrets have been passed down to the next generation with Michael’s sons Daniel and Brendan and daughter Kathryn, leading our growing team of mortgage brokers.

 

We do the work. You save the money.

 

Book in for a home loan review today.

 

 

Meet our team…

What do you get when you work with us?

Cost savings 

If there’s a way for you to save on your loans, we’ll find it! It may involve negotiating a cheaper interest rate, or perhaps switching to a loan with features you actually need. And once we’ve run all the figures and report back you could be saving $23,000* in interest costs over 3 years, or $6,300* p.a. in interest, or $10,632* p.a. interest, you’ll wonder why you didn’t call us sooner. *These are real-life interest savings we’ve identified for clients when reviewing their existing loans.

A holistic approach to saving you money

We know that it’s NOT all about the bottom line. You’ve got your banking and credit card working nicely and you’re happy with how you’re managing the household finances. Whilst some lenders are better suited in specific situations, we’ll never suggest you refinance without a significant benefit to do so. We want to ensure that the decision to stay with your current loan and lender actually benefits YOU (and not just the lender).

Fast turn-around 

Once you know how much extra you’re paying with each and every loan repayment, you’ll want to make changes to your loan ASAP.  When you choose a mortgage broker who’s been working with lenders for almost two decades – a team with intricate knowledge of the internal processing systems of Australia’s largest (and smallest) lenders – once you give the go-ahead, we promise things will happen fast.

Top up your loan, consolidate debt, access equity

You may have more pieces to your ‘home loan review’ puzzle. Maybe you’d like to top up your home loan to renovate the kitchen. Maybe you’d like to increase your loan to consolidate personal debt. Or maybe release the family guarantee that’s still there. When we review your loans, we don’t just check the interest rate. We’ll carefully consider what you’re hoping to achieve down the track (e.g. pay down your loan or buy an investment property) and ensure your current loan can help you get there. 

A personal Project Manager

You’ll have someone managing the entire home loan review (and possible refinance) process for you. Performing loan comparisons, cost-benefit analysis, preparing paperwork, packaging up your application, liaising with your new lender for a fast approval and managing your existing lender for a quick discharge. You’ll have someone working behind the scenes driving the entire process, keeping you updated every step of the way. 

As much (or as little) analysis as you like

If you’re someone who likes to see charts and tables, comparison analysis and amortisation charts before making a decision, that’s what you’ll get. If you’re more of a ‘big picture’ person and prefer a few diagrams of the suggested loan structure, that’s what you’ll get. YOU call the shots, not the other way round. You’ll get everything you need to understand why our recommended strategy really is the best course of action.

Round-the-clock Support

Some lenders process applications all around the clock, meaning questions can be asked about your application outside of business hours and on weekends. It’s our job to handle all these queries – whenever they’re asked. The same goes for any of your own questions. Ask us anything and we’ll always do our best to respond as quickly and comprehensively as we can.

Support from an entire team

It’s frustrating when your question goes unanswered or progress seems to stop, “because Jimmy’s away and no-one else can help you.” When you work with an individual broker MMO, you get the support of our entire team – there’s always someone who can help you. Client feedback told us this was important and so many years ago, we restructured our business accordingly. It’s also the reason why many of our client reviews mention more than one person – we work in small teams to ensure you receive the best service possible.

What do you get when you work with us?

Cost savings

If there’s a way for you to save on your loans, we’ll find it! It may involve negotiating a cheaper interest rate on your existing loan, or perhaps switching to a loan that has features you actually need. And once we’ve run all the figures and report back you could be saving $23,000* in interest costs over 3 years, or $6,300* p.a. in interest, or $10,632* p.a. interest, you’ll wonder why you didn’t call us sooner. *These are real-life interest savings we’ve identified for clients when reviewing their existing loans.

Tailored solution, taking a holistic approach 

We know that it’s NOT all about the bottom line. You’ve got your banking and credit card working nicely and you’re happy with how you’re managing the household finances. Whilst some lenders are better suited in specific situations, we’ll never suggest you refinance without a significant benefit to do so. We want to ensure that the decision to stay with your current loan and lender actually benefits YOU (and not just the lender).

Top up your loan, consolidate debt, access equity

You may have more pieces to your ‘home loan review’ puzzle. Maybe you’d like to top up your home loan to renovate the kitchen. Maybe you’d like to increase your loan to consolidate personal debt. Or maybe release the family guarantee that’s still there. When we review your loans, we don’t just check the interest rate. We’ll carefully consider what you’re hoping to achieve down the track (e.g. pay down your loan or buy an investment property) and ensure your current loan can help you get there. 

Fast turn-around

Once you know how much extra you’re apaying with each and every loan repayment, you’ll want to make changes to your loan ASAP. When you choose a mortgage broker who’s been working with lenders for almost two decades – a team with intricate knowledge of the internal processing systems of Australia’s largest (and smallest) lenders – as soon as you give the go-ahead, things will happen fast.

A personal Project Manager

You’ll have someone managing the entire home loan review (and possible refinance) process for you. Performing loan comparisons, cost-benefit analysis, preparing paperwork, packaging up your application, liaising with your new lender for a fast approval and managing your existing lender for a quick discharge. You’ll have someone working behind the scenes driving the entire process, keeping you updated every step of the way. 

Round-the-clock Support

Some lenders process applications all around the clock, meaning questions can be asked about your application outside of business hours and on weekends. It’s our job to handle all these queries – whenever they’re asked. The same goes for any of your own questions. Ask us anything and we’ll always do our best to respond as quickly and comprehensively as we can.

As much (or as little) analysis as you like

If you’re someone who likes to see charts and tables, comparison analysis and amortisation charts before making a decision, that’s what you’ll get. If you’re more of a ‘big picture’ person and prefer a few diagrams of the suggested loan structure, that’s what you’ll get. YOU call the shots, not the other way round. You’ll get everything you need to understand why our recommended strategy really is the best course of action.

Support from an entire team

It’s frustrating when your question can’t be answered simply, “because Jimmy’s away and no-one else can help you.” When you work with a broker at MMO, you get the support of an entire team – i.e. there’s always someone who can help you. Client feedback told us this was important and so many years ago, we restructured our business accordingly. It’s also the reason why many of our client reviews mention more than one person – we work in small teams to ensure you receive the best service.

Let’s hear from some of our clients…

I have used MMO for over 5 years for all property and bank related deals. Recently i requested a review of my loan and they managed to save me over $2k per annum. Very much appreciate Daniel’s quick response and as always getting results!

Stevie Lee

Facebook Review

This is now my third engagement with Daniel and Greg at MO’R Mortgage Options – after an initial loan application in 2010 and a refinance at the start of 2014.

Greg got in touch with me to alert me to a new mortgage deal which would save me over $3,000 per annum relative to my current deal (I had no previously knowledge that this deal was on offer) and made the arrangements for a smooth and hassle free refinancing.

I’d recommend that every 2-3 years you get the MO’R Mortgage Options team to have a look at your current loan situation and see if there’s a newer deal out there that can save you thousands of dollars, just as they’ve done for me recently! Cliff Bingham

Facebook Review

It’s easy to be complacent and just stick with the original mortgage, even though you know there may be a better value home loan out there.

Brendan made it more than simple by doing all of the investigations and coming up with the best solution for what I needed to do. The only effort I put into it was putting my signature on application forms. Very happy with the service and expertise displayed. Deborah Lynn Willenbrecht

Facebook Review

What does working with us look like?

 

You’ll get immediate access to:

How much does our Home Loan Review Service cost?

If you’ve never worked with a broker before, you may not know our service is provided to you completely free of charge.

Yep, that’s right. You pay us nothing.

There have been occasions where clients have lingered after a meeting, waiting for us to present them with an invoice….

But there is no invoice. We do not charge for our service. This is not a fee-for-service transaction.

We’ll review your existing loans and if there’s a way for you to save money by making a few changes, we’ll help you make them.

Spend the next ten years benefiting from our knowledge, industry experience and technical know-how without it costing you a single cent. In fact, we’re confident you’ll save money.

— So how do we get paid then? — 

Mortgage brokers are paid directly by the lender, if and when they help you secure a loan.

We’re completely transparent and upfront about this and will advise how much this may be when we talk to you about your loan options.

A mortgage broker can access the same loan products and access the same home loan rates you could obtain directly from a lender. Whilst it’s true we can negotiate additional rate discounts on your behalf, the real benefit is in helping you find the right loan from the right lender – the one which will help you achieve your objectives – i.e. pay off your home, finance an extension.

Plus, we’re with you every step of the way to ensure everything runs as smoothly as possible.

Get started with us and not only will you save money, but you’ll also receive the benefits we mentioned above (plus some extras below!)

Here are more reasons to work with us:

Regular home loan reviews

Our mission is to ensure no client ever pays more for their home loan than necessary. This means we’ll touch base with you regularly to review your loans to check whether they’re still working for you. This is a completely free service. We’ll also keep an eye on any Fixed Rate or Interest Only loans we help you with and advise you on your best options, as these loans approach their expiry date.

Ongoing support 

Clients say that one of the best things about working with us over the long term is having someone to discuss their changing property plans with. ‘Can we afford to upgrade our home?’ ‘Could we manage a renovation?’ ‘Should we lock-in to a fixed rate loan?’ These are common scenarios we work through with our clients. Having someone available to discuss the feasibility of your plans from a financial perspective, can save you a whole lot of time and stress. Plus, if you decide to go ahead with that upgrade, you can rely on our help (again!) to ensure you get the right loan.

Get access to our growing Resource Library 

As a client, you’ll have access to our growing library of industry-related articles, e-books, loan scenario case-studies, industry presentations and Q&A videos. You will also receive the Special Reports we generate for the Canberra Property Market – revealing suburb trends, property price growth patterns, changes in land values and housing affordability trends. We want you to make confident, informed decisions about your home (and home finances) and without the right information, this becomes difficult.

Join our Client Referral Program

Take the opportunity to be rewarded with gifts and vouchers from some of Canberra’s best service providers and restaurants – simply by telling your family and friends about your experience working with us.

Work with Canberra’s best property service providers 

Over the years, we’ve worked with just about everyone in town. Based on this experience and more importantly, feedback from our clients, we’ve created a “Best of the Best” List of Canberra’s best real estate agents, property managers, solicitors, accountants, financial planners, building inspectors, quantity surveyors, gardeners, builders, plumbers and electricians. If need help managing any aspect of your property, we can put you in touch with the right people.

Receive Monthly Updates

Each month we summarise what’s been happening in the industry, provide commentary on market developments or potential interest rate changes and deliver it straight to your inbox. You already get a tonne of emails, most of which probably waste your time. We’ve designed our Monthly Updates to be short and to the point with the sole purpose of highlighting things that can affect you and your home loans (so you can do something about it if necessary).

Here are more reasons to work with us:

Regular home loan reviews

Our mission is to ensure no client ever pays more for their home loan than necessary. This means we’ll touch base with you regularly to review your loans to check whether they’re still working for you. This is a completely free service. We’ll also keep an eye on any Fixed Rate or Interest Only loans we help you with and advise you on your best options, as these loans approach their expiry date.

Ongoing support 

Clients say that one of the best things about working with us over the long term is having someone to discuss their changiing property plans with. ‘Can we afford to upgrade our home?’ ‘Could we manage a renovation?’ ‘Should we lock-in to a fixed rate loan?’ These are common scenarios we work through with our clients. Having someone available to discuss the feasibility of your plans from a financial perspective, can save you a whole lot of time and stress. Plus, if you decide to go ahead with that upgrade, you can rely on our help (again!) to ensure you get the right loan.

Get access to our growing Resource Library 

As a client, you’ll have access to our growing library of industry-related articles, e-books, loan scenario case-studies, industry presentations and Q&A videos. You will also receive the Special Reports we generate for the Canberra Property Market – revealing suburb trends, property price growth patterns, changes in land values and housing affordability trends. We want you to make confident, informed decisions about your home (and home finances) and without the right infomration, this becomes difficult.

Join our Client Referral Program

Take the opportunity to be rewarded with gifts and vouchers from some of Canberra’s best service providers and restaurants – simply by telling your family and friends about your experience working with us.

Work with Canberra’s best property service providers 

Over the years, we’ve worked with just about everyone in town. Based on this experience and more importantly, feedback from our clients, we’ve created a “Best of the Best” List of Canberra’s best real estate agents, property managers, solicitors, accountants, financial planners, building inspectors, quantity surveyors, gardeners, builders, plumbers and electricians. If need help managing any aspect of your property, we can put you in touch with the right people.

Receive Monthly Updates

Each month we summarise what’s been happening in the industry, provide commentary on market developments or potential interest rate changes and deliver it straight to your inbox. You already get a tonne of emails, most of which probably waste your time. We’ve designed our Monthly Updates to be short and to the point with the sole purpose of highlighting things that can affect you and your home loans (so you can do something about it if necessary).

What do other clients say about working with us?

We have just recently refinanced our home loan with the help of Brendan and his team at MO’R after putting it off for years and putting up with a bad set up and interest rates with our previous lender.

Brendan was very thorough and explained everything to us and happy to answer any questions we had.

We wouldn’t hesitate to recommend MO’R Mortgage Options after our positive experience and we found everyone we dealt with friendly, professional and efficient.

Thank you, Yonah and Eddie.

Yonah Hernandez

Facebook Review

A+ for Daniel and the team at MO’R. Decided to refinance my home loan to achieve a better interest rate, more money in the back pocket and obtain some additional funds for wedding plans.

Daniel was easy to deal with and clearly explained every step of the process. Couldn’t have gone any easier, very happy with the result. Highly recommended. And best part…they continue to support a local sporting club. Top service and community minded, awesome!

Luke Thurbon

Facebook Review

The team at MMO recently assisted me in refinancing my loans and made what would have been a complicated process for me extremely simple and stress free with a well designed loan structure and quick and clear communication throughout the process. Cheers guys.

Jordan Hayes

Facebook Review

Frequently Asked Questions

I’ve never used a mortgage broker before, why can’t I just talk to my bank?

You can – you can just talk to your bank.

But when you work with us, you’re working with a team who will hunt down your best lending option from a panel of lenders. A team who recognised in the industry as one of Australia’s best brokerages.

We can also show you how to reduce your interest costs using specific loan features and structuring techniques (that not surprisingly, lenders aren’t always so forthcoming with!)

 

Can I get a better deal if I go through a mortgage broker

Mortgage brokers can access exactly the same loan products as what’s available if you walked straight into your local branch.

It’s true we can negotiate additional rate discounts on your behalf. But the real value is in helping you find the right investment loan from the right lender and then structuring your loans to provide you with maximum benefit.

We’ll also handle everything for you. This means we’ll: do the calculations; present you with the options; package up your application; chase the lender; negotiate discounts, arrange all the paperwork; go over your loan contracts with a fine-tooth comb before you sign. We’ll also liaise with your existing lender to ensure your loan is prepared for a quick discharge.  

When you think about all the extra benefits you receive (at no cost!) by working with us, it’s easy to see why growing numbers of borrowers are choosing to work with mortgage brokers.

 

Are you sure there are no hidden fees to use your services? 

There no fees for our service.

We do NOT charge any fees for calculating your Borrowing Capacity, analysing your options, tailoring a loan strategy to suit you, or discussing your options with you. 

Likewise, we do NOT charge fees for lodging your application, managing the entire process from start to finish. Nor do we charge fees for any ongoing services we provide (i.e. post-settlement check-up, helping you change/ switch your loan later on, regular home loan reviews).

If we arrange a loan for you, we receive a payment directly from the lender. And because we’re completely transparent and upfront about this, we’ll advise how much this payment may be when we talk to you about your loan options.

 

I’d prefer to meet before sending you any information about my personal situation. Can I just book an appointment? 

We completely understand that it may seem like we’re asking for a lot of information, right at the start. The thing is though, we cannot provide the best service (or accurate advice) without detailed information about your existing loan(s). Lenders are changing their policies all the time and without a clear picture of your financial situation, we’re just guessing what might be possible.

If you want to have a general chat before sending any documentation through, please call us on 02 6286 6501.

We know there may be others out there who don’t ask for much information initially – and that’s completely up to them. We want to deliver the best service possible without wasting your time. We’re continually refining our processes based on client feedback and we’re confident our current systems help us to do exactly that. (Our 5 Star Facebook and Google Review Rating confirms this too.)

 

If we go ahead with a refinance, how long will it will take? 

This depends on a few factors. Specific times (i.e. the lead up to Christmas and end of financial year) can be busier for lenders, so things can often take a little longer to be processed on their end. It also depends on who your outgoing lender is, as there are specific lenders who always take much longer to prepare your loan for discharge than others.

Generally though, the faster you provide your supporting documentation, the faster you’ll get a result.

Once you give us a go-ahead, we’ll be able to give you an estimated time period based on your personal situation. 

 

I have multiple loans, can you help me review all of them? 

Absolutely we can! In fact, there are people within our team who prefer complex lending scenarios, where spending multiple hours working out the best way to restructure 10 loans from 3 different lenders, secured by 6 properties across 3 states is all part of a day’s work. 

We’d love nothing more than to see how much we can save you by reviewing your existing loans.

 

Are you currently taking on new clients? Do you have capacity to review my loan?

Being a small family team of mortgage brokers, there’s a limit to the number of new clients we can take on each month. This suits us perfectly because we’re not interested in being the biggest brokerage in town. Our focus has always been on delivering quality service to quality clients.

We only want to help borrowers who see value with in working with a team of professionals over the long term. Borrowers who understand the importance of checking in on their loans every so often, to ensure their current home loan is still the right option.

If this sounds like you, we’d love to help.

Frequently Asked Questions

I’ve never used a mortgage broker before, why can’t I just talk to my bank?

You can – you can just talk to your bank.

But when you work with us, you’re working with a team who will hunt down your best lending option from a panel of lenders. A team who recognised in the industry as one of Australia’s best brokerages.

We can also show you ways to to reduce your interest costs using specific loan features and structuring techniques (that not surprisingly, lenders aren’t always so forthcoming with!)

 

 

Can I get a better deal if I go through a mortgage broker

Mortgage brokers can access exactly the same loan products as what’s available if you walked straight into your local branch.

It’s true we can negotiate additional rate discounts on your behalf. But the real value is in helping you find the right investment loan from the right lender and then structuring your loans to provide you with maximum benefit.

We’ll also handle everything for you. This means we’ll: do the calculations; present you with the options; package up your application; chase the lender; negotiate dicounts, arrange all the paperwork; check loan contracts before you sign them and we’ll liaise with your existing lender to ensure they prepare your loan for a quick discharge.  

When you think about all the extra benefits you receive (at no cost!) by working with us, it’s easy to see why growing numbers of borrowers are choosing to work with mortgage brokers.

 

 

Are you sure there are no hidden fees to use your services? 

There no fees for our service.

We do NOT charge any fees for calculating your Borrowing Capacity, analysing your options, tailoring a loan strategy to suit you, or discussing your options with you. 

Likewise, we do NOT charge fees for lodging your application, managing the entire process from start to finish. Nor do we charge fees for any ongoing services we provide (i.e. post-settlement check-up, helping you change/ switch your loan later on, regular home loan reviews).

If we arrange a loan for you, we receive a payment directly from the lender. And because we’re completely transparent and upfront about this, we’ll advise how much this payment may be when we talk to you about your loan options.

I’d prefer to meet before sending you any information about my personal situation. Can I just book an appointment? 

We completely understand that it may seem like we’re asking for a lot of information, right at the start. The thing is though, we cannot provide the best service (or accurate advice) without detailed information about your existing loan(s). Lenders are changing their policies all the time and without a clear picture of your financial situation, we’re just guessing what might be possible.

If you want to have a general chat before sending any documentation through, please call us on 02 6286 6501.

We know there may be others out there who don’t ask for much information initially – and that’s completely up to them. We want to deliver the best service possible without wasting your time. We’re continually refining our processes based on client feedback and we’re confident our current systems help us to do exactly that. (Our 5 Star Facebook and Google Review Rating confirms this too.)

 

If we go ahead with a refinance, how long will it will take? 

This depends on a few factors. Specific times (i.e. the lead up to Christmas and end of financial year) can be busier for lenders, so things can often take a little longer to be processed on their end. It also depends on who your outgoing lender is, as there are specific lenders who always take much longer to prepare your loan for discharge than others.

Generally though, the faster you provide your supporting documentation, the faster you’ll get a result.

Once you give us a go-ahead, we’ll be able to give you an estimated time period based on your personal situation. 

I have multiple loans, can you help me review all of them? 

Absolutely we can!

In fact, there are people within our team who prefer complex lending scenarios, where spending multiple hours working out the best way to restructure 10 loans from 3 different lenders, secured by 6 properties across 3 states is all part of a day’s work.

We’d love nothing more than to see how much we can save you by reviewing your existing loans.

 

Are you currently taking on new clients? Do you have capacity to review my loan?

Being a small family team of mortgage brokers, there’s a limit to the number of new clients we can take on each month. This suits us perfectly because we’re not interested in being the biggest brokerage in town. Our focus has always been on delivering quality service to quality clients.

We only want to help borrowers who see value with in working with a team of professionals over the long term. Borrowers who understand the importance of checking in on their loans every so often, to ensure there current loan is still the right option. 

If this sounds like you, we’d love to help!

 

 

Stop paying more for your loans than you have to. 

 

You save the money. We do the work.

Click on the button below to get started.

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