Using a Broker

A good mortgage broker can be the key to your property portfolio success. Here’s how to find one. Mortgage brokers worth their salt will look to build a trusted relationship with you – one that’s more focused on service than selling. Here are five things to look for when choosing your broker. (1) Recommendations  Asking your personal network for referrals is a good starting point. This could help you find a local broker with experience working with borrowers at your life stage, for example. Talking to previous customers can also provide valuable insight into working with the broker through the loan application process and post-settlement. Many brokers will stay in touch after the loan has gone through, seeking to maintain a relationship with their
In the last five years, Australians’ perception of banks has changed. For many, dealing with banks has become a challenging and sometimes confusing process. As banks become more hands-off with their customers, more people are turning to brokers for help with their finance needs. This trend leaves room for brokers to step in and provide support when customers need it most. They can offer an easier, more straightforward process for those clients, such as the self-employed, who don’t fit the traditional banks’ model of an ideal customer. This growing market share of brokers not only creates greater efficiency but also allows them to be more competitive. Here are three key reasons why second-tier lenders are growing in popularity with borrowers in Australia. Personal borrowers
Whatever your business needs, a finance broker can help you get approval for the most appropriate and cost-effective solution. Small business owners who need money to expand, invest in new equipment or smooth out their cash flow often head straight for the bank. However, just as a mortgage broker can draw on a wide range of options to help you find the right home loan, so a finance broker can help you source the most suitable loan for your business needs. Here we share three reasons why you might want to consider talking to a finance broker next time you need a business loan. (1) Access to a wide range of products A banker is usually limited to the products and services offered by
Following the lodgement of a home loan application, hopeful borrowers are often keen to know what will happen next and how long it will take for them to receive the verdict. The bad news is that there is no one-size-fits-all answer. The good news, however, is that a solid application is the key to keeping the approval time short. The amount of time it takes for you to receive a response to your home loan application can vary. An answer is usually received between two days to two weeks, depending on a range of factors. For a reasonably straightforward application, it’s 48 hours to a final approval. But, depending on how complex the circumstances are, it can take longer than that. Before offering conditional
When you’re looking for a home loan, you could go to a finance broker or to a bank. While a bank will only offer you its own products, a credit adviser is an industry expert who will take the guesswork out of finding the mortgage product that suits you and your needs. It’s understandable that finance brokers are now the number one choice for consumers who are seeking a home loan or to refinance an existing loan. Businesses are also engaging finance brokers to help them with their finance needs from car and equipment leasing to loans to help their businesses expand. What can a credit adviser do for you? The leg-work Finance brokers already know the industry, the lenders, their products and their
A good mortgage broker can be the key to your property portfolio success. Here’s how to find one. When it comes to one of the biggest financial decisions you’ll ever make, it pays to have some professional help. But how do you find a good mortgage broker, and what can they offer? Here’s what to look for. Product knowledge and lender partnerships A good mortgage broker is able to offer suitable product solutions due to the expansive panel of lenders and mortgage products available to them. Brokers have long standing relationships with a range of lenders. They stay up-to-date on the latest features and loans available so that they can give their clients the best solutions for their individual circumstances. Personal rapport A winning
Deciding where to go for your home loan is one of the most important decisions you’ll make. While many prospective property owners will choose to use a mainstream lender, non-bank lenders also have their advantages. What are non-bank lenders? Essentially, a non-bank lender is a lender that’s not a bank, credit union or building society. It has its own source of funds, which it lends out with a margin for profit. A non-bank lender may also be a company or individual who borrows money from a bank at wholesale rates and then lends the money with a profit margin added. At Conquer Finance, we work with both banks and non-bank lenders. Potential benefits of a non-bank lender There are several benefits associated with taking

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