Vicky McLoughlin No Comments

Whether you are a first home buyer, looking to refinance your existing loan, looking to purchase an investment property or wanting to invest in commercial property, (unless you’re in an incredibly fortunate position) you’re going to need finance to help you achieve your goal. You could go directly to a bank to help you or you could use a mortgage broker. 

Why use a mortgage broker?

The main reason for choosing to use a Seek Financial Mortgage Broker when looking for a home loan is we don’t treat you as a number, we get to know you personally to understand your unique circumstances. We are accredited with a broad range of Lenders, including major banks, secondary banks and 2nd tier lenders. We know which Lenders will have the product that meets your specific needs, and we can negotiate what’s right for you not what’s right for one particular lender.

We look at the important components of seeking finance, best interest rate, best product features and best (minimal) fee position going forward. We deal directly with the Banks and negotiate the best deal on your behalf taking in all the above factors.

The top 4 benefits of using a mortgage broker are:

CHOICE – We Source from multiple lenders we are accredited with to find the best product that suits your needs.

ONE STOP SHOP – We find the finance solution that meets your requirement and objectives and work for you from commencement to completion.   

PERSONAL SERVICE – Focus on relationship and being part of your on-going finance journey.

EXTRA – Extra effort and attention to make sure your finance journey and experience is both enjoyable and comforting in an industry that evolves and changes regularly.

Why not just go to a bank?

Firstly, it’s hard for most people to choose. Which bank? Which product? There are a lot of options out there, and with the Reserve Bank moving official interest rates and banks moving them independently, it’s an ever changing market at present.

With choice comes complexity. It can get tricky to navigate through it all. And it consumes a lot of your time. A Mortgage Broker will steer you through this to find a loan that suits your needs. The most important point in this equation is ‘We work for you – our Client, not the lender’. We build a relationship that enables us to assist you through your finance journeys, not only initially but beyond.

What is the process?

A Seek Financial broker will meet you at a time and a place that suits you – at home, at work or over a coffee, during the week, at night or over the weekend – we’re always flexible to work within our customers busy schedules. We’ll look at your current loans and financial circumstances and then research and find the right solution for you. We take care of all the paperwork, manage the application process and then take it through to unconditional approval and settlement. We are the voice who answers when you call, not directed to other Departments or staff. As Brokers we are always available and ready to assist.

When is the best time to contact a mortgage broker?

Whatever type of loan you’re looking for, or whatever part of the loan process you’re at, a broker can help! It doesn’t matter if you’ve just started thinking about buying, have already found the perfect house and want to quickly sort out your finance, are looking to unlock the equity in your current property, or are wanting to find out if there’s a better borrowing option than the one you currently have – Any time is a good time to explore your options.

We’re here and it doesn’t cost you a thing! Talking to a mortgage broker just makes sense.

At Seek Financial we do this day in and day out. We know the Lenders and their products, and we are up to date with any changes when it comes to lender policies and products. We help you choose what’s right for you. Please don’t hesitate to contact us to arrange a time to chat. We’d love to help you achieve your goals!