A mortgage advisor has insider knowledge of the lending underwriting standards for each bank and the non-bank lenders. Understanding these requirements means your mortgage advisor can quickly align your requirements to the right lender. This increases the likelihood of getting your loan approved.

A mortgage advisor can also send the same loan application to multiple lenders in a matter of minutes. If your loan is approved by each lender you’ll be able to compare the loan offers to find the best rates and terms for you.

Your mortgage advisor understands the different policies of each bank. We get to know you and your personal situation, so we can work with the appropriate lender(s) to match your unique circumstances.

If one lender says, No – you won’t have to tell your story all over again to another lender. We do the heavy lifting and leg work for you – allowing you to focus on other areas of your life.

Mortgage advisory/brokerage services are now a fully regulated industry. The Financial Advice Provider (FAP) has to be registered and the financial advisers (FA) who work for the FAP also have to be registered. The FAP has to operate under a license.

Financial advisers now have to be fully qualified to give advice and obtain qualifications to support this.

Mortgage advisors have insight into the lending environment because of the volume of enquiries we deal with and the number of lenders we work with. We’re able to provide independent advice to suit your needs, including term time-frames for your loan, the right interest rate split and how long you should fix your loan for.

Interest rates are either in a downward or upward interest rate market. Often floating rates are higher than fixed interest rates. Your mortgage advisor can take the time to sit down with you, understand your financial situation, work out the cost of breaking your fixed rate and let you know how much you would save fixing at the new rate.