Why use mortgage Brokers

Australians value Mortgage Broker Service

Australians have been quick to recognise the value of using mortgage brokers to source their loans and Australia now leads the world in this industry. At the conference, it was revealed that close to 60% of borrowers in Australia, compared to 35% in Canada use a mortgage broker to arrange their finance.

In Australia, there are;

• more than 50 deposit-taking institutions including banks and credit unions.
• more than 3,000 home and investment loan products being offered.

With these comes fierce competition from lenders to attract new customers. This has created differentiation, bonus offers, honeymoon rates, freebies and other inducements. To make wise financial decisions when choosing a loan, you need to weigh interest rates, terms, conditions, fees; fixed versus variable rates and repayments on Interest-only versus Principal & Interest.

Choosing a loan or investment product is daunting! In fact, the finance industry is so complex, most Australians do not have the time, experience or expertise to conduct the necessary research.

The Australian Mortgage Broking Industry is highly regulated, which protects you, and has well earned its great reputation in assisting their borrowers to select loan products best suited to their circumstances. Banks in Australia also recognise that Mortgage Brokers add value to bank customers and have invested money and many resources to support this fast-growing channel.
This is where FundSmart come in as professionals and experts to assist you.

We work full time in this sector of the financial market and that gives us an up-to-the minute overview of the industry, including new loan products and emerging trends.

What does FundSmart do for you as your Mortgage Broker?

It is our belief and business model that our success comes from providing the best service to our clients. We pledge to only recommend a financial product that provides the best possible solution for your circumstance.

We are qualified mortgage brokers, accredited with all major banks and many other financial institutions. As your Mortgage Broker, we will;

1. Assess your financial affairs.
2. Help you determine the type of home or investment loan that is right for you.
3. Help you select a loan with features that benefit you, at the lowest possible rate.
4. Do all the leg work! (this includes approaching the lender, assist you to collect ALL necessary documentation, communicating with lender on your behalf and submitting application).
5. We work closely with your Solicitors and or Conveyancers.
6. Save you time and energy; which is guaranteed.
7. As Brokers, we don't compete with banks. We help you find one of their loan/investment products that will match your needs.