Why Use Us?

Why Use Us?


First and foremost we are experts in lending guidelines used by all the major banks and the other lenders.

Unlike most mortgage brokers who are just salesmen, disorganised and biased to one lender, we pride ourselves on delivering better advice which is tailored to your individual requirements. We take a holistic approach and it’s our aim to simplify what can be a complicated process.

We also specialise in helping people with tricky situations, which most Bank Managers and Mortgage Brokers steer away from. We on the other hand utilise our experience, knowledge and our full panel of over 30 lenders to find a solution that best meets your needs.

  • Your borrowing capacity
  • Comfortable commitment level
  • The pro’s and con’s of various loans
  • Being prepared for fixed expenses.
  • Planning for the future.
  • We take a holistic approach.


We’re loan approval experts!

We specialise in helping people with complex financial situations and those who do not meet standard bank policy. Our company mission is to help people who are being let down by the Australian banking system.

We know which lenders can help and which ones can not.

Unlike most mortgage brokers who are just salesmen, we are experts in the lending guidelines used by the major banks and other lenders.

We deal with a wide variety of lenders and know their policies back to front, as well as the hidden catches and potential problems you might face.

We have an extensive in-house credit assessment process which we complete before applying with any bank or lender.

Most of our mortgage brokers have worked in the credit department of a lender approving and declining loan applications, so we can talk their language and build a case to get your loan approved!

We pride ourselves on getting it right the first time and delving through all the complex polices to provide you with a complete solution. The mortgage industry is a minefield of complex policy catches. This is why we make sure that we take your full situation into account and provide a complete solution.

We have an extensive in-house credit assessment process which we complete before applying with any bank or lender.

We also understand that following up on the progress of your loan application can be time consuming, which is why we do all the hard work for you! Our systems and processes ensure that we track your loan and keep you posted of any updates as they occur.

Some of our specialities include:

  • Residential Owner Occupied Loans
  • Residential Investment Loans
  • First Home Buyers Scheme
  • Bad Credit loans
  • Bridging Finance
  • Low Doc Loans
  • Fixed Rate Loans
  • Commercial Loans
  • Personal Loans
  • Car loans

 

Full Lifetime Cycle Approach

Unlike some Mortgage Brokers and Banks, we don’t take your money and run we offer you exceptional ongoing customer service as part of our service delivery to you. Our approach is to work with you for the life of your loan.

We also offer you a Free First Appointment as part of our Financial Planning service which will help you plan not just for now but for the future. Find out more of what others have said about us.

 

We have panel of over 25 lenders

One of the common questions we get asked is why should I use a mortgage broker if I can go with a bank?

You’ll find that our mortgage brokers have a much higher level of training and experience than Bank Managers. Our team is well versed in finding the best solution for your needs.

We also offer you a range of options, which is unlike a Bank that can simply offer you their own products. Our panel of over 30 lenders means that we can choose from a range of different policies and products which means that you’ll get a loan approved without the hassle.


Free Credit Reports and Valuations

In some cases we can order free upfront evaluations which means that we can know that the Banks think the value of the property is worth buying. This also means that you’re keeping your credit file in check.

We can also provide you with a free copy of your credit file, which just lets you know where you stand.

We pride ourselves of ensuring that you’re making an informed decision for your future, whilst not damaging your credit rating. Which is why it’s important to ensure that you’re purchasing the property at the right price, with the right Bank and or lender.


MFAA & FOS Membership


We are bound to uphold the standards as per the Mortgage & Finance Association of Australia (MFAA) and Financial Ombudsman Service (FOS).

As members we must uphold the highest standards and meet strict experience, ongoing training and education, insurance requirements in order to renew membership each year.

What this means for you, is simply peace of mind that a regulatory body is ensuring that the industry strives for excellence.

Fill in our free assessment form or call us on 1300 CAP ONE (1300 227 663) to deal with a specialist mortgage broker who can get the job done right the first time.