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Mortgage Brokers Craigieburn
Our services are 100% free - all in your best interests.
Are you..
We highly recommend that you speak to an expert mortgage broker specialist who can walk you through the entire process. Purchasing your first home is lone of the biggest financial decisions a person will make. With us you are sure to have the best rates on mortgages in Melbourne, and you will be guided all throughout.
Your Craigieburn mortgage broker
Mortgage Brokers Craigieburn are 100% committed to its clients. We ensure you are well looked after, informed and always satisfied. We take our jobs seriously and ensure that everything is taken care of swiftly and efficiently. We’re confident in ourselves and our ability to source the most competitive rates for our clients.
unmatched customer service.
If you are looking for reliability and diligence - we've got your back.
Why Use A Mortgage Broker?
You will find no need to do research on your own because we’ll willingly give you expert advice about the best options available in the market. We have the processes and systems to find you the most competitive mortgage that is best suited for your needs, so let us do all the work for you. The best thing is, all of these are free of charge.
Due to the large amount of mortgage products that are currently available in the market confusion often arises because they also update and change regularly in order to adapt to a constantly evolving environment. It is our job, as your Mortgage Broker, to understand you financial goal. We will assess your financial status and long-term goals and from there we will find the right loan product that will best serve your plan and give you the best value. Upon finding the most suitable option for you, we will then help you from the beginning of the loan approval. We will be with you until the very end, where you receive the loan and have it sitting in your bank, without you having to do a single thing.
We will find you the right lender and the right loan, eliminating any guesswork on your end and use our access to special rates for your benefit. We will make sure that you are always updated of any new development, and make the entire loan process fully transparent and for you to easily understand everything.
Your personalised Mortgage Broker service in Craigieburn.
One big mistake that is often made by many is using banks that they’ve always been with. They fail to consider other financial services that suit them better, and provides more value. Mortgage Brokers Craigieburn will do our best to understand you financial status, and provide you with a solution based off your needs.
We will be with you every step of the way, readily available whenever you need us. We want to help you save money on your home or investment loans and make sure that you get the most competitive loan that is currently available in the market.
First Home Loan Deposit Scheme
The federal government’s First Home Loan Deposit Scheme, which commended last July 1, 2020, is offering limited spots for whoever is interested. Plus, you can save up to $10,000 by voiding the Lender’s Mortgage Insurance (LMI).
For this financial year the federal government opened 10,000 slots. First home buyers that are deemed to be eligible are allowed to give a 5% deposit to purchase a property and waive the payment of the LMI.
What is the First Home Loan Deposit Scheme?
A requirement for first home buyers to avail a deposit of less than 20% is to pay for the LMI when taking out a home loan. Under the First Home Loan Deposit Scheme, eligible first home buyers can now purchase a property with only a 5% deposit, as well as waive the payment of the LMI.
Make sure to contact Mortgage Brokers Craigieburn about the First Home Loan Deposit Scheme!
You can always give us a call if you want to purchase your first home and would consider applying for the said Scheme.
The 10,000 slots available may sound like a lot, but the starter’s gun has already gone off, and every day especially in the first two weeks, there are hundreds of home buyers that could apply.
Buying your first ever home?
We'll help you purchase your first home with just 5%.
Why Choose Us?
You’ll get premium service along with access to all the loan options that are available to you. We will make sure that you know about the most up-to-date strategy that is essential in the current financial environment. Finding the most competitive and valuable loan option currently available will be a burden that falls on our shoulder. And if a better solutions becomes available in the next 12-24 months, you will be updated and we will be giving you the best options on how you can take advantage of any new opportunity in an ever changing market.
We take pride in being open and trustworthy, choosing the right loan for you and your family’s needs. We will always make sure to get to know you better and understand your goals, and give you a personalized experience, working with you one on one.
You will have access to us any time you may need our assistance, we are always available to help cater to your requests, and to give answers to whatever questions you may have. We treat our clients as though they are one big family, and build a long-lasting relationship that goes beyond a simple “transaction”.
Always on Time
We'll get your application processed super quickly.
Hard Working
We're entirely committed to our clients.
24/7 Availability
We're always here to help.
You don’t need to ask yourself “Who is the best mortgage broker near me” anymore.
Mortgage Brokers Craigieburn is a reliable and honest mortgage broker company that has enough experience to handle your financial needs. We want to be the place you go to for anything that is related with home loans and other financial services. You can always trust us to look after everything for you, we will work with you achieve you long-term goals and be with you through the entire process.
It’s a winning bargain on your end, and you have nothing to lose!
We offer a full range of financial services
Relocation loans
Refinance your home loan
There is no need for you to look further, if you are looking to refinance your loan, we will be explaining to you how the process works, and how you it can be beneficial for you.
We will handle everything for you, there is nothing else for you to do but to trust us.
Reasons to REFINANCE
It is easy to refinance with Mortgage Broker Gold Coast. We have simplified and streamlined our online process to make sure your application goes through the channels fast.
We will update you if we find loans with lower interest rates in comparison to your current loan for a similar loan product.
We will be doing some checks on your portfolio, to better understand you current financial status. And if you are looking to invest, or have upcoming projects that would require cash flow, we can use the existing equity that we can utilise from your current property.
We will help you keep things simple and easy by helping you understand where your debt comes from, such as your personal and credit card loans, and combine this into your mortgage.
Give us a call today.
Let’s have a chat to see how we can help you best.
1. Call us or fill in the form
First, we will discuss with you about your current financial status, for us to understand you on a deeper level, and know the best ways we can serve you. We will be asking you questions that will help you find the best strategy that will help you in the achievement of your financial goal. It only means you will be getting our services that are completely tailored for you, because we are aware that everyone’s needs are different.
A breakdown on how the process and how the market works will be provided to our clients. We will also educate them on the status of the current financial environment, as well as how the loan instruments work, and the effects of the different types of loan product on you. Having little foundational understanding is essential, and is especially valuable, even if it is just explaining to our clients the difference between an ‘interest only’ loan, versus a ‘principal and interest’ loan.
2. arranging a pre-approved loan
After gaining full understanding of your financial status, goals, and what you want to be done we’ll create an outline of the best strategy that is tailored to meet your needs. Arrangement of a pre-approved loan is a good plan if you’re looking into making an investment purchase such as a new home. It will give you a clearer view of your spending limits, and it would allow you to make an offer for a property that you are interest in buying. The process for the pre-approval loan will be quick, giving you time to look around and shop.
We will provide you with a breakdown of what exactly everything entails, such as the interests rates, the monthly repayment costs, and what other alternatives you can consider. We will help you understand ‘fixed’ and ‘variable’ interests rates, and the different packaged deals that are available in the market, in comparison to a simple loan offer. We will discuss the advantages and disadvantages of each banks that you can partner with (i. e. small lenders vs big lenders), their capabilities and the likelihood of them allowing you to borrow more. Only looking at banks that provides the lowest interest rate, is often a common mistake committed by most individuals, because they fail to consider the lending capability of these banks in the long run. It is always important to consider all options for your long-term goals, because there are banks that are less willing to allow you to leverage yourself and borrow more.
3. We will then help get your loan approved and settled, while you don't have to do a thing.
After giving us your approval, and upon receipt of the requisite documents, we will communicate with the bank. It may take around 1-2 to weeks to finalise the settlement, so we will provide you with updates along the way. Mortgage Brokers Craigieburn will not just leave after the settlement of your loan, during the lifetime of you loan, we will be there to continuously guide you, and answer any questions you may have. We will have a yearly review of your, and make sure that you are receiving the best loan package that is available. We will then compare with other lenders, and negotiate with your current lender on your behalf to identify whether we can secure you a loan package with a lower rate, or seek to refinance with a different institution where you are clearly in a better position.
Home loans
Mortgage Brokers Craigieburn are composed of teams that are experts in educating their clients, and providing guidance on finding the best home loan package. We know how stressful the entire process involved in purchasing a property, so we’ll help you choose the right location, and the best financing options from the ones available. We’ll also assist you in doing the paperwork needed because we know how time consuming it is.
The entire process may appear daunting, especially for first time home buyers. It’s our job to make sure that you find the right home loan, in Craigieburn, by assessing your financial status and financial goals. It is a way for us to understand and know which value package will best suit you. A pre-approval loan will give you the ability to enter into a contract negotiation for the property you are interested in buying, and we will help you obtain the said loan. We will handle the entire loan application process for you, from start to finish, and keep you updated on the progress that we have made.
We will facilitate the First Home Owner Grant application for you if you’re a first time home buyer, and guide you through the qualification process.
Investment loans
We know exactly which deals are currently being offered if you’re looking for an Investment Property Loan, and we’ll help find the best loan package for you. We’ll take about the appropriate loan structure, and discuss whether it will be an interest only, or a principal and interest loan. We’ll also plan out how to minimise the lender’s mortgage insurance for your investment strategy and expected returns.
We’ll also review your entire property portfolio, make sure that you are receiving the best deals possible, and negotiate with the bank on your behalf. We’ll work with you according to your own comfort and help you identify the most competitive and value for money loan products from an extensive selection of lenders available. We’ll also provide assistance in the management of your deadlines, including the valuations and settlement dates of your property.
And we did mention that we do all this completely free of any charge, did we? Is that not the best?
Renovation loans
Home renovations are not exactly cheap, especially for properties that will need quite a lot of structural work, which also requires a lot of additional capital. You have several options to choose from if you’re looking for funding for these activities, and to ensure that you have enough cash flow in hand for all of your financial obligations.
You can choose from a variety of options, most of which would mainly involve payment using your own money which you can get from your savings, or you can utilise the equity built up from your existing property.
Construction loans
It’s always an exciting prospect to think about building your own home or investment property. But it becomes complicated and costly when you have to manage the expenses and the building and construction costs. It’s easy to find a home construction loan to take care of the construction costs, but it is not easy to secure one for yourself.
A construction loan can also offer flexibility with special construction conditions. You can draw down your loan by instalments or in chunks (aka ‘progressive draw downs’). The payment is given to you at different stages of the construction project, a common practice done by most people because you will not need all the cash up front. You’ll be given a predetermined loan amount construed by the financial institutions, and from which the cash will be drawn from. It’s advantageous for you because you only need to pay the interests on the amounts drawn from the loan facility.
Commercial loans
There are several lenders and financial institutions which provides commercial financing, and allows you to have a working capital for venture that needs capital funding. We are more than capable of helping you achieve you investment strategy by sourcing the right type of borrowed capital which suits you best.
Our team will source out the best value debt for either your short or long term commercial finance needs, funding your next business venture or project.
Car loans
It’s not easy to get your hands on your dream vehicle, so allow us to help you source out the best value car loan for you. This will help ease your cash flow without the need for fronting the cash all at once, and it will also help you plan out your monthly expenses, and budget accordingly.
We will find you the right lender and loan package, and create a strategy that is tailored to meet your needs, helping you get behind the wheels of the car that you have always wanted.
Not located in the Craigieburn? No worries - we can serve anyone nationally with ease.
We service allareas of Craigieburn
Approved Craigieburn Mortgage Brokerage Service
Let Mortgage Brokers Craigieburn do all the heavy lifting for you. We deliver an end-to-end solution to source the right loan product for you, helping you achieve your long-term financial goals. We will commit to you and be with every step of the way making sure that you are satisfied with you experience with us. We will ensure that every single criteria is met to the highest possible standard. Educating our clients is what we do best, and we would happily do so. We bring many years of experience to the table, carefully constructing the right financial strategy that is unique to you and your financial requirements and needs. We will work with you from scratch and together we will strategize and acquire the right loan package that is suited for you needs.
The approval of your loan is not the end of our journey, it is only just the beginning. We will maintain in contact with you, review your portfolio regularly, and reconnect with you if there is a need to strategize. We will use our access to the best deals in the market to your advantage, and speaking to a qualified and licensed professional is always the best option. We will take care of all the paperwork for you, in an efficient and seamless manner. Our clients will always be winning with us.
We will work on your behalf and put everything together for you, with you focusing your time and energy on other matters, without having to worry.
Call today.
Making financial decisions come with a lot of headaches and stress, and we know exactly how it feels. That’s why our job is to make sure that you are receiving the best financial services and value possible, and without losing your peace of mind. Allow Mortgage Brokers Craigieburn to do all the work for you.
Our top priority is to provide our clients with exceptional customer service and deliver the highest quality of work, leaving our clients with new knowledge that they can use, as well as the thought that they are well-looked after. We will be here to listen to whatever it is that you need, and provide you a complete and transparent service, so that you are kept updated of the latest development.