A bank will give you access to their products only.  At Australian Property Home Loans we have access to 100’s of products via our panel of 30 plus lenders.

As a result of the choice we can offer, we can also tailor a solution that is best fitted for your goals and objectives – which are discussed via our no obligation consultation at our first meeting.  After careful consideration and further consultation with you, we will tailor a solution for you, that is in your best interests.

As your broker, I am committed to you for not only the short term, but also the long term.  This means regular pulse checks to ensure that the finance product that you are currently paying for, is consistently the right one for you.  That might mean changes along the way, to ensure you are reaching your goal faster – and potentially saving money.

Mortgage brokers often have strong negotiating power, which means that they can often argue for a better rate for you from a bank.  Given the fact that brokers have options, banks will often fight hard to keep their business.

Mortgage brokers have the advantage of knowing the various policies that apply to various lenders – hence can educate you as to which lender is most likely to accept your application, based on your set of circumstances.  Things such as casual income, genuine savings, maternity leave and credit scores are all assessed differently by different lenders – a mortgage broker can assist you in the right direction.

This is a new one – and probably the most compelling reason to use a broker.  Effective from January 2021, mortgage brokers are now all legally obliged to act in your best interests and put your interests first.  That means that listening to you and guiding you has never been more at the coal face of what we do.  Banks are not governed by this obligation – and it is a significant shift for the industry that should give every consumer confidence in the action that their broker is taking.