Do you feel overwhelmed with the level of debt that you have?
Are you paying so much interest on your loans that you just can’t seem to get ahead?
Are you looking to release equity for a reno or a family holiday?
What is the right option for you?
Are you finding it tough or lying awake at night, or maybe experiencing money problems, not from the perspective of having difficulty paying your bills each month, but you are frustrated that you don’t seem to be progressing in your financial life?
Maybe you simply want to access a lump sum of cash from the equity that you have built up in your home? Perhaps you’re considering renovating or remodelling your home, buying a car, going on a long overdue vacation, or some other worthwhile lifestyle choice?
If you are looking to take action and take control of your financial future, putting yourself on track to a financially stress-free destination, then you are in the right place.
Mortgage Broker or Mortgage Planner?
What’s the difference between a mortgage broker and a mortgage planner?
Banks & Brokers
- A Bank Lender or Mortgage Broker helps you get into debt, they facilitate a transaction. In other words, they sell you a home loan.
- A Mortgage Planner helps you secure a home loan that fits your needs, not the banks. Then a Mortgage Planner will work with you to help you get out of debt by showing you how to pay the least amount for your Home Loan.
- A Mortgage Planner is a lending professional who helps you achieve the outcomes you want by showing you how to utilise loan products as financial tools that work for you.
- A Mortgage Planner will also show you how to correctly structure your Loan Portfolio so it works for you, not the Bank.
There are two things you need to ensure you pay the least amount possible when you refinance your Home or Investment Loan.
First you need quality research, to get an understanding of what you may be able to borrow, at what rate and under what terms. This will help us to understand what options may be available to consolidate your loans and reduce your monthly repayments, by as much as $500, $1,000 or even in some cases $2,000.
In addition, Mortgage Planners have access to real time information at the touch of a button that is not readily available to the everyday borrower.
We have to stay up to date with current legislation as well as new loan products and any changes that might occur to lending policy. This means we are your most valuable asset when it comes to securing the Home or Investment Loan that is right for you.
Secondly, you need negotiating power. Negotiating your own home loan rate with the Bank is a bit like fighting a bully with both hands tied behind your back. The banks have one objective, to make as much money from you as possible. So, the weaker your negotiating position the more they will make. It makes sense to have someone who places Millions of dollars a year in home loans with the banks, negotiate for you.
What this means for you, is that you’re more likely to secure a better deal if you allow a Mortgage Planner to negotiate for you. And the good news here is you don’t pay me a cent. The Bank pays me to negotiate on your behalf, how good is that?
Do you have a home loan, a few credit cards and / or personal loans / car loans?
Refinancing Your Loan
Is your bank ripping you off and failing to pass on rate cuts in full?
Are you ready to reno, or looking for cash for that dream holiday or car?