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Mortgage Brokers Townsville
We make loans super simple. At 100% no cost to you.
Are you..
Your Townsville mortgage broker
We understand that things like purchasing a home is a big financial decision one can make, so we’ll ensure that we find the best rates on mortgages in Townsville. Therefore it is highly recommended you speak to an expert mortgage broker specialist who can provide an entire overview and provide a breakdown of everything from beginning to end.
Why Use A Mortgage Broker?
Simple, we do all the work for you. We will do everything for you and not just give expert advice on which among the available options is the best. There’s no need for you to do research on your own, we have the processes and systems to help find you the most competitive mortgage that suitable for you. And it’s all for free, so you have nothing to lose.
The large amount of mortgage products that are available out in the market is regularly updating and changing, which makes adapting to a constantly evolving environment all the more confusing. It is our job as your Mortgage Broker to make sure that we understand what your financial goal is. We will assess your financial health and long-term goals and find the right loan product that will provide the best value and serve your strategy best. After we find a suitable option for you we will then help you for from the beginning of the loan approval process, all the way to the final stage of receiving your loan from the bank, without having the need to get up from your desk, which is part of the end-to-end service we offer.
We have access to special rates that we can use for your benefit by eliminating any of the guesswork of choosing both the right lender and the right loan. We are more than happy to break down everything for you so that all parts of the loan are fully transparent and easy to understand for you.
We always provide the most competitive rates, combined with expert guidance, and take care of the entire loan process for you.
For us to provide you a tailored solution that will suit best you we’ll do our best to also understand your financial situation. We’ve noted that many individuals make the mistake of only considering the banks they’ve always been with. They don’t know that there are other financial services that may suit them a lot better, providing much more value to them.
We want to help you save money on your home or investment loans, and make sure that the loan you get is the most competitive that’s currently available on the market. We’re committed to being fully available to you, and be with you every step of the way.
Your personalised Mortgage Broker service in Townsville.
Let us do all the work for you.
We, at Mortgage Brokers Townsville, love to help first time home buyers secure their first property purchase. We understand how it feels to be nervous and not have much information on-hand. We’ll be explaining to you how ‘First Home Owner Grant’ works, and be it can benefit you.
Our goal is to make the entire process easier, as we work with you and provide you guidance, every step of the way. See how we can be of service to you by giving us a call and speaking to our consultants.
First Home Loan Deposit Scheme
The federal government has, once again, commenced its First Home Loan Deposit Scheme on the 1st of July 2020 with only limited spots. Apply now, and save yourself $10,000 by voiding the Lender’s Mortgage Insurance or the LMI.
Eligible first home buyers are allowed to purchase a property with only 5% of the deposit and the waiver of the payment of the LMI, saving them up to $10,000. But the slots available for this financial year are only limited 10,000 individuals.
What is the First Home Loan Deposit Scheme?
Payment of the LMI whenever a first home buyer take out a home loan is very common among buyers who wanted to have deposit of less 20%. But with the First Home Loan Deposit Scheme of the federal government, eligible first home buyers can pay only 5% of the deposit needed for the purchase of a property all without the payment of the LMI.
Make sure to contact Mortgage Brokers Townsville about the First Home Loan Deposit Scheme!
Give us a call now if you’re considering applying for this scheme as you also think of purchasing your first home. The starter’s gun has already gone off so 10,000 slots that may seem a lot but there are hundreds of first home buyers that could apply for the scheme every day even in the first two weeks alone.
Buying your first ever home?
We'll show you how you can purchase your very first home with as little as a 5% deposit.
Why Choose Us?
We will make sure that you are provided with a premium service with access to all the loan options available to you, and the most up-to-date strategy that is relevant in the current financial environment. It is going to be our responsibility to find you the most competitive and most valuable loan option currently available. And if a better solution becomes available in the following 12 to 24 months, we will keep you updated and make use of any new opportunity that you have to your advantage. We will provide you with the best in an ever-changing market.
Wanting to choose the right loan for you and your family is a part of our being open and authentic, and that’ what we pride ourselves in. We always ensure that your experience is tailored to your needs, and make sure to get to know you and work with you one on one.
We make ourselves constantly available to be able to help cater to your needs, we will be available to you 24/7, and to answer any questions that you have. Our clients will be treated as part of one big family, because what we want is to have a long-lasting relationship that goes beyond just a “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.
We are a reliable, honest, and experienced mortgage broker that can handle your financial needs. Our main goal is to be the one stop shop for anything that has to do with your home loans and other financial services, so you can trust us to look after everything for you, we will always be there to support you, as well as to work with you to achieve your long term goals.
We offer a full range of financial services
Relocation loans
Refinance your home loan
There is no need to look further if you want to refinance. We will explain to you how the process works, and see how refinancing your loan will be beneficial for you.
We will look after everything for you. You have nothing to lose after the entire process.
Reasons to REFINANCE
It’s easy to refinance with Mortgage Brokers Townsville. We have simplified and streamlined our online process to ensure that your application passes by the channels swiftly and quickly.
We will let you know, after comparing your current loan with other options in the market, and we found a lower interest rates for a similar loan.
• If you’re looking to invest, or upcoming projects that may require cash flow, we can run some check on your portfolio to see how much equity may be utilised. This equity that we can unlock from your property may be used to fund these investments or projects.
We will help you combine your personal and credit card loans, which are some possible sources of your debts, into your mortgage for us to keep everything simple and easy.
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 quote form
We’ll discuss with you about your current financial status. For us to understand how we can be of service to you we’ll get to know you on a deeper level. You’ll be asked several questions and help you find the best strategy possible to help achieve your financial goal. We know that every person’s different so we’ll give you a strategy that’s completely tailored for you.
We’ll be breaking down how the process and the markets works and what the current financial environment is like, because educating our clients’ is how we help. We will be teaching you how loan instruments work and what the effect of the different types of loan product will have on you. We believe that having the foundational knowledge is important and very much valuable in life, so even if it’s just an explanation of how interest rates work, or the difference between an 'interest only' loan versus a 'principal and interest' loan we’ll help you.
2. The process - arranging a pre-approved loan
We’ll be creating an outline and formulate the best strategy that aligns with you after we have understood your financial situation, goals and exactly what you want to do. For you to have some peace of mind arranging a pre-approved loan is the best option, especially when you’re looking to make your investment purchase, such as for a new home and for you to be able to quickly make an offer for any property you are interested in. You will also be aware of your spending limits. The pre-approval process is super quick, giving you time to look around.
We will also be giving you an A-Z breakdown of what everything entails, including but not limited to, interest rates, monthly repayment costs and whether or not there are other alternatives that you can consider. We will be explaining to you about 'fixed' vs 'variable' interest rates and a comparison between packaged deals available and a simple loan offering. If you're a keen property investor wanting to scale your portfolio, we will be discussing the advantages and disadvantages of the banks you should partner with (i.e. small lenders vs big lenders) and their capability and likelihood to borrow more. Oftentimes people would only go for banks that would provide them the lowest interest rate, not considering their lending capability in the long term. There are banks that are less willing to let you leverage yourself and borrow more, hence, the importance of considering all options for the long term.
3. We will then help get your loan approved and settled, while you relax
Upon receiving the requisite documentation, and with your approval to go for your loan, we’ll communicate with the bank and provide you with updates along the way. Finalisation of the settlement may take you somewhere between 1-2 weeks.
We will still continue to assist you even after the settlement of your loan. And during the lifetime of your loan, we will be answering any of your questions, and will keep looking after our clients. We will be reviewing your loan regularly and make sure that the loan you are receiving is the best one available. We can then compare with other lenders, and to negotiate with you current lender on your behalf and identify whether we can secure a lower rate for your loan package or choose to refinance with another institution where you are clearly in a better position.
Home loans
Educating our clients and providing guidance on finding the best home loan package is among the specialties of our Mortgage Brokers Townsville team of industry experts. We’re fully aware of the stress of the process involved in purchasing a property. It is not only time consuming, but you also have to choose the right location, the best financing options, and also the paperwork involved.
For first time buyers we understand that the entire process may appear daunting. But we will make sure that Townsville will find the best home loan for you, the first step is to assess your financial status, together with your financial goals. It’s our way of understanding which value package will best suit your needs. We’ll assist you in the process of obtaining a pre-approval, which will give you the ability to enter contract negotiations for the property you’re looking to purchase. Through the entire procedure, right from the beginning to the end, we will be handling the entire loan application process and keep you updated.
We will guide you through the qualification process, and as first time home buyer, we can facilitate the First Home Owner Grant application for you.
Investment loans
If what you’re looking for is an Investment Property Loan, we know which among the currently offered deals are best, and we’ll find you the best loan package available. We’ll be discussing which loan structure is appropriate, whether it be interest only, or principal and interest. A strategy to minimise any potential lender’s mortgage insurance (LMI) for your investment strategy and expected returns will also be employed.
To ensure that the deals that you’re receiving are the best ones possible, we’ll help review your entire property portfolio, and negotiate with the banks on your behalf. We will continuously work with you according to your convenience, and help you identify the most competitive and value for money loan products from various selection of lenders available. We will also help you in the management of your deadlines, including your property valuations and settlement dates.
And we did mention that this is all done with no cost at all, on your end. How good is that?
Renovation loans
Renovating your home is not cheap. Especially for properties that need quite a lot of structural work, and will require a huge amount of additional capital. It is important to consider the many options that could help fund these activities (such as a renovation loan), to ensure that you have enough cash flow in hand for all your financial obligations in totality.
You have a variety of options to choose from, and these would mainly involve either paying out of with the use of your own saving, or utilise equity if you have enough built up from your existing property.
Construction loans
It’s always an exciting prospect, building your own home or investment property. What would cost you and complicate things is the management of the costs and expenses in respect to building and construction. But you can easily take care of the financial aspect of a home construction by utilising a construction loan but securing one won’t be as easy.
A construction loan, when utilised, can offer flexibility with special construction conditions. Your loan can be drawn down either in instalments or in chunks (called ‘progressive draw downs’), and payments will be received at different stages of your construction project. This is often done by most because most of the time you won’t need to all the cash up front, but in stages. You’ll have a pre-determined loan amount construed by the financial institutions where your loan will be drawn from. An advantage is you only pay interest on the amounts you draw from the loan facility.
Commercial loans
A variety of lenders and financial institutions offers commercial financing, allowing you to have a working capital for capital funding ventures. We, at Finance Brokers Townsville, are more than capable of helping you in achieving your investment strategy for sourcing the right type of borrowed capital that would best fit your needs.
We will be able to source the best value debt, whether what you require is for your short or long term commercial finance, to fund your next business venture or project.
Car loans
It will not be easy for you to just purchase your dream vehicle. But we can help you source the best value car loan, without a need for you to front the cash, all at once, and help ease your cash flow. In turn, you can plan out your monthly expenditure, and budget accordingly.
Once we find the right lender and loan package we will then create a strategy that will suit you and your needs, and help you get the behind the wheel of your dream vehicle as soon as possible.
Not located in the Townsville? No worries - we can serve anyone nationally with ease.
We service all areas of Townsville.
Aitkenvale
Alice River
Alligator Creek
Annandale
Barringha
Beach Holm
Belgian Gardens
Bluehills
Bluewater
Bohle
Bohle Plains
Brookhill
Bushland Beach
Calcium
Cape Cleveland
Castle Hill
Clemant
Cluden
Condon
Cosgrove
Cranbrook
Crimea
Crystal Creek
Cungulla
Currajong
Deeragun
Douglas
Garbutt
Granite Vale
Gulliver
Gumlow
Heatley
Hermit Park
Hervey Range
Hidden Valley
Hyde Park
Idalia
Julago
Kelso
Kirwan
Lynam
Majors Creek
Mount Elliot
Mount Louisa
Mount St John
Mount Stuart
Mundingburra
Murray
Mysterton
Nome
North Ward
Oak Valley
Oonoonba
Orpheus Island
Pallarenda
Palm Island
Partington
Pimlico
Pinnacles
Purono Park
Railway Estate
Rangewood
Rasmussen
Roseneath
Ross River
Rosslea
Rowes Bay
Rupertswood
South Townsville
Stuart
Thuringowa Central
Toonpan
Town Common
Townsville City
Townsville West
Vincent
West End
Woodstock
Wulguru
Approved Townsville Mortgage Brokerage Service
Let us, Mortgage Brokers Townsville, do all the difficult work for you. For us to source the right loan product for you we’ll be delivering an end to end solution to help you in achieving your long-term financial goals. We’ll commit ourselves to you, and be by your side every step of the way and even more. Making sure that our clients are fully satisfied by their experience with us and for every single criterion to be met to the highest standard is our top priority. Helping and educating is our passion, and that is what we do best. With our years of experience, we will carefully construct the right financial strategy that is unique to you and your financial requirements and needs. Together we will be working together from scratch, and carefully put together and procure the right loan strategy, exactly for you.
The approval of your loan doesn’t signify the end of our journey, rather it marks the beginning of it. We’ll remain in contact with you, conduct regular reviews of everything, reconnect and strategize if need be. It’s not only recommended that you speak to a qualified and licensed professional who will provide you access to amazing deals in the market, which is what we can do for you, we’ll also shoulder the burden of filling out the paper work for you in a seamless and efficient manner. It’s a complete win-win for our clients.
You can focus your time and energy on other things and be completely stress free, as we act on your behalf and put everything together for you.
Call today.
Making financial decisions is often accompanied with a lot of headaches and stress. So we want to provide you complete peace of mind, we will always be by your side and make sure that you’re receiving the best financial services and value possible. Let Mortgage Brokers Townsville look after you.
Our goal is to provide our clients with exceptional customer service. We want to deliver only the highest quality of work, for our clients to be aware that they are well looked after. We will listen to you and know exactly what you need, and you will be provided with complete and transparent service, so that you are kept updated of what is happening.