mortgage broker farmborough heights

Trusted Mortgage Brokers In Farmborough Heights

Illawarra Mortgage Brokers is proud of its reputation as a reputable and long standing local company. We have a mortgage broker available to come to you in Farmborough heights if needed, or we can schedule a visit for you at our office. Our customers have access to a diverse selection of goods and services from us, such as house loan refinancing, assistance for those purchasing their first home, investment in real estate, debt consolidation, recommendations to assist with mortgage stress and much more.

Our objective is to assist others in accomplishing their home loan objectives, which we feel strongly about – it is our passion as we feel that we provide benefits to every client we deal with. We understand that if there is no benefit to our clients then a refinance is pointless for them, and that is also a part of the recommendations given. If you are not saving money, why would you change your loan?

Because of our many years of expertise in the mortgage broking market, we strive to fully comprehend the requirements of our customers, thus ensuring that all your requirements are understood and then satisfied, by delivering service that is both prompt and professional. Illawarra Mortgage Brokers has many clients in the Farnborough Heights area with whom we have worked with over the many years we have been in business.

We are committed to delivering outstanding service to our clients. Because of this, we provide a wide range of services, including pre-approvals for house loans as well as assistance from the initial loan application, approval process and then follow it up all the way to settlement. We are here to assist you in putting a loan together that suits your purposes and will be beneficial to you.

What do our mortgage brokers do for you?

It’s common knowledge that a mortgage broker may help you get the right loan that you need, but it is also good to know that when you have a mortgage broker, your lending gets easier for other possible applications in the future. What we mean by that is once you are a client, we have your basic information on file. When you need further finance in the future, we can start with the information we have. It saves you having to inform someone else from the start about your personal circumstances, and provide your details yet again in some cases.

Having your own mortgage broker who knows your details already, can assist you when topping up a home loan, refinancing your home loan, purchasing an investment property or even needing to switch banks quickly if the need arose. The following is an overview of some of the most typical services that mortgage brokers provide for their clients.

Deal with the lenders on your behalf

It is crucial to have someone on your side who can assist you with your finance if you are considering purchasing a property. This is especially true if you do not have much experience in home loan lending transactions. Our mortgage brokers in Farnborough Heights will be of assistance to you. Even experienced borrowers do not have access to all of the tools to see the benefits available to them from the different lending institutions in a detailed comparison.

Because of our extensive experience in the industry and the tools we have available to us, your mortgage broker will be able to assist you in understanding your options in one simple conversation. They will be able to guide you towards the most beneficial home loan, suited to your needs. Please don’t hesitate to get in touch with us if you have any inquiries about the work that mortgage brokers undertake for you or if you need assistance when refinancing or purchasing in Farnborough Heights.

Finding the best possible lender

Your mortgage broker plays a crucial role in your refinancing objectives or home buying process by being able to recommend the best options that are available to you across dozens of lenders. What would take many days to research for the average person, is done in minutes with our state of the art comparison software. Illawarra Mortgage Brokers can assist you in locating the most suitable home loan with the correct lender the first time. Your broker will also be able to respond to any inquiries that you may have about obtaining a home loan and how the mortgage process works in its entirety, guiding you every step of the way in purchasing a property.

Get your loan application pre-approved

Your mortgage broker can assist you with a pre-approval if you are considering purchasing in the Farmborough Heights area. If acquiring a property is something you are considering doing in the near future, but you are not sure how much you can spend, then a pre-approval may be perfect for you. Your mortgage broker can either set up a pre-approval for you, or at least provide a pre-qualification – sometimes we advise just the pre-qualification. What is the difference?

A pre-approval means the loan has been submitted to a lender by your loan consultant and the lender has approved an amount for you to borrow, once you locate a suitable property to purchase

A pre-qualification is when we have a look at the details that will support your application, and if we are confident that several lenders at least, will be an option for you then we will just hold the information on file in preparation for a loan application. This means that we can wait until you find a property to purchase, and then lodge it with the best lender on that day – this keeps your options open until the moment you find a property to purchase. That way, you are not locking in with any lender until you need to.

Interestingly, the time frame to get from this point to a formal approval is the same for either option as we will be waiting on a valuation – the paperwork is prepared and then signed by you in preparation to send to the lender once the valuation has been returned.

A mortgage broker can assist you in being pre-approved for a home loan and answer any questions you may have on the mortgage application and approval procedures. They will also be able to assist you in finding the most suitable loan solution for your particular situation and requirements.

Help with the documents

There are two paperwork stages in lending – the first one is the loan application, where you are asking the lender if they will approve a home loan.
The second one is the loan contract, issued to you for signing when the loan is formally approved. It is your acceptance of the lenders offer for finance.
At both stages of the documents being signed, we will be there to explain the documents in detail, and we will also ensure that the documents and any outstanding requirements have been checked and are sent back to the lender properly to enable settlement of your loan. Your mortgage broker is very familiar with what needs to be done and when.

Get in contact with us

When it comes to choosing the mortgage that’s best for you, working with an experienced mortgage broker is a necessary part of the process if you are looking for the best deal. They will assist you in understanding your alternatives and locating the ideal loan. Whether you are searching for a property near Farmborough Heights, or wanting to refinance an existing loan, the knowledgeable members of our staff are prepared to assist you in locating the most favourable home loan possible. Call us on 02 4257 5626 if you would like to speak to a mortgage broker.

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Illawarra Mortgage Brokers