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Mortgage Brokers Toorak
Our services are always 100% free.
Are you..
Your TOORAK mortgage broker
Let us do everything for you. We’ll always have your back. With the combination of our expert knowledge of the markets, partnerships with financial institutions, and unmatched client service, we’re able to help our clients find the best loans.
unmatched customer service.
If you are looking for reliability and diligence - we've got your back.
Why Use A Mortgage Broker?
We will be giving you expert advice on the best options available to you, as well as do all the work for you. There is no longer a need for you to conduct your own research, our processes and systems will be able to find you the most competitive mortgage that suits you best. Best of all - it is completely free! What's there to lose?!
The constant updates and changes among the large amount of mortgage products that are available out in the market makes adapting to a constantly evolving environment more confusing. As you Mortgage Broker we must first understand your financial goal after which we will find the right loan product that will provide the best value and serve your strategy best. We do this through the assessment of your financial health and long-term goals. Upon finding a suitable option for you, we will then commence with the process and be there until the final stage of receiving your loan from the bank. This is a part of our end to end offering, and with you not having the need to lift a finger.
You will no longer go through the lengthy process of choosing both the right lender and loan. We also have access to special rate that will be beneficial for you. We will also be more than happy to breakdown all parts of the loan in order for them to be fully transparent and easy to understand for you.
Your personalised Mortgage Broker service in Toorak.
We always provide the most competitive rates, combined with expert guidance and take care of the entire loan process for you.
Most individuals make the mistake of only considering the bank that they’ve always been with – not knowing that other financial services will suit them better, and provides much more value to them. Our goal is to find you the best financial solution that will provide you with a solution that is tailored to suit your needs.
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 currently available on the market. We’ll be with you every step of the way as part of our commitment to be fully available to you.
First Home Loan Deposit Scheme
The federal government’s First Home Loan Deposit Scheme has once again commenced, and the race is on from July 1st of 2020. Save yourself up to $10,000 by voiding the Lender’s Mortgage Insurance (LMI).
Eligible first home buyers are allowed by the scheme to only have a 5% deposit to purchase a property without paying for LMI saving them up to $10,000. But note that there are only 10,000 slots available for this financial year.
What is the First Home Loan Deposit Scheme?
Payment of the LMI when taking out a home loan is often the case for first home buyers who want to have a deposit of less than 20%. With the First Home Loan Deposit Scheme of the federal government, these eligible first home buyers with only a 5% deposit can purchase a property without having to pay for LMI.
Make sure to contact Mortgage Brokers Toorak about the First Home Loan Deposit Scheme!
Just give us a call today if you’re thinking about purchasing your first home soon and are considering applying for this scheme.
It may sound as though 10,000 slots are a lot, but with the starter’s gun has already going off and hundreds of first home buyers could apply for the scheme every day in the first two weeks alone.
Helping first home buyers secure their very first property purchase is something that we love doing at Mortgage Brokers Toorak. We understand how it feels to go through it, so we will be there to provide you with information and explain how the 'First Home Owner Grant' works for your benefit.
We will be here to makes sure that the entire process is easier, and we will guide you every step of the way. Contact us now, to speak to our consultants, and see how we can best serve you.
If you want a personal service, that is friendly and committed - look no further.
Buying your first ever home?
Let us do the leg work and help you purchase your first home with just 5%.
Why Choose Us?
You will be receiving a premium service with access to all the loan options available to you, and make sure to provide you with the most up-to-date strategy that is relevant in the current financial environment. It is our responsibility to find the most competitive and most valuable loan option that is currently available for you. And if a better solution is available in the next 12 to 24 months, you will be updated and be provided with the best options on how they can be used to you benefit.
Our openness and authenticity is what we pride ourselves in, and therefore, we want to choose the right loan for you and your family. We want to make sure that your experience is personalised, we will get to know you first, and work with you one on one.
You will be given 24/7 access to us, as we want to be constantly available to cater to anything that you may need, and answer any questions that you have. Our clients will be treated as one big family, for us to make sure that we have a long-lasting relationship that goes beyond 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 reliable, honest and experienced enough to handle your financial needs. We want to be the place you can go to for anything to do with home loans and other financial services, so you can place your trust in us, for us to look after everything for you – we will always support you, and work with you to achieve your long term goals.
You have nothing to lose, and everything to gain!
We offer a full range of financial services
Relocation loans
Refinance your home loan
No need to look further if you want to refinance. We will guide you through the entire process, and explain how it can refinancing your loan with us is beneficial for you.
We will look after everything. And in the long run, you’ll have nothing to lose.
Reasons to REFINANCE
It is easy to refinance with Mortgage Brokers Toorak. We have a simplified and streamlined online process to make sure that your application goes through the channels swiftly and quickly.
Your current loan will be compared with other options in the market, and if there are ones with lower interest rates for a similar loan product, we’ll let you know.
We will check your portfolio for us to understand how much equity we can utilise to help unlock from your property. If you have upcoming projects that may require cash flow, or for your investments, we can use the existing equity to fund these.
We will combine all possible sources of your debts into your mortgage for things to be simpler and easier.
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
We will be discussing, together, your current financial status. We want to understand you on a deeper level, and to know how we can best serve your purpose. We will be asking a lot of questions, and help you find the strategy that will best suit your plan of achieving your financial goal. Whatever you get from us will be 100% tailored to meet your needs, because we know that we are all different. We love to help educate our clients, it is our pleasure to give you a breakdown of how the process and the entire market work, as well as the current financial environment. We'll teach you how loan instruments work, as well as how the different types of loan products will have on you. You will be taught about how interest rates work, or the difference between an 'interest only' loan versus a 'principal and interest' loan. Having the foundational knowledge about these things is something that is extremely important, and is valuable in life.
2. arranging a pre-approved loan
Upon the full understanding of your current financial status, goals, and what you want to do, the best strategy that aligns with you will be outlines and formulated. The best to give you peace of mind is to arrange a pre-approved loan especially when looking to make your investment purchase, such as for a new home. You’ll know your spending limits and be give the ability to quickly make an offer for any property you are interested in. The process of approval of your loan is going to be quick allowing you to shop around quickly, without losing time.
A complete breakdown of exactly what everything entails, such as the interest rates, monthly repayment costs and alternatives to consider. You will know about 'fixed' vs 'variable' interest rates and the different packaged deals available, compared to a simple loan offering. Based on your long term goal, the pros and cons of the banks that you should partner with (i.e. small lenders vs big lenders) and their capabilities and likelihood of allowing you to borrow more, such as for keen property investors who wants to scale their portfolio. It is often a common mistake made by some people to only look into banks that provides the lowest interest rate, not considering their lending capability in the long term. Some banks are less willing to let you leverage yourself and borrow more, so therefore it's always important to consider all options for the long term.
3. We'll then help get your loan approved and settled, while you relax.
Upon the receipt of the requisite documentation after the approval of your loan, we will communicate with the bank, and provide you updates along the way. The settlement may be finalise between 1-2 weeks.
The settlement of your loan does not mean we will no longer be with, for the duration of the life of your loan we will continue to look after you, and answer your questions. We will review your loan yearly and make sure that what you’re receiving is the best loan package available. We will compare your current lender with others, and negotiate on your behalf with the former for us to identify whether we can secure a lower rate for your loan package, or refinance with another institution only 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 specializations of our team at Mortgage Brokers Toorak. We know how stressful the process of purchasing a property can be. You have to choose the right location, as well as the best financing options, there are also paperwork involved, and the fact that it is going to take too much time.
We understand that going through the process may appear daunting for first time buyers. But we will make sure that you will find the right home loan in Toorak, through the assessment of your current financial health, and goals. This will provide us with the understanding we need to find the best value package that will suit you best. We will guide you through 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. You will be kept updated while we complete the entire loan application process for you.
We can facilitate your application for the First Home Owner Grant, if you are a first home buyer, and assist you throughout the entire process.
Investment loans
We know exactly which deals that are currently on offer, especially if what you are looking for is an Investment Property Loan, so we will be there to find you the best loan package available. We will discuss with you which loan structure is appropriate, and whether it be interest only, or principal and interest. And the lender’s mortgage insurance for your investment strategy and expected returns could also be minimised.
We will also be there to make sure that you are receiving the best deals possible, by reviewing your entire property portfolio, and negotiate with the banks on your behalf. We’ll help you identify the most competitive and value for money loan products from an extensive selection of lenders available, work with you to suit your convenience. You’ll also get help from us in the management of your deadlines, including your property valuations and settlement dates.
And we did mention that we are doing all these without costing you anything. How good is that?
Renovation loans
Home renovations are not cheap especially for properties that has quite a lot of structural work needed, as it will also require a lot of additional capital. It is important to consider the many options that can help you fund these activities, to make sure that you have enough cash flow in hand for all your financial obligations in totality.
The variety of options that you can choose from would mainly involve the payment using your own savings, or the utilisation of the equity built up from your existing property on the event that you have enough.
Construction loans
It is always exciting to build your own home or investment property. But the management of the costs and expenses with respect to the building and construction costs is often the complicated part of the process. You can easily take care of the financing of your home construction through a construction loan, but securing one is not as easy.
With a construction loan your loan can be drawn down in either instalments or in chunks (called ‘progressive draw downs’) offering your flexibility subject to certain special construction conditions. You will be receiving the payments at different stages of your construction project which is often the case with most people, because all the cash will not be needed up front. A predetermined loan amount will be construed by the financial institution which is where these will be drawn from. All you need to do is pay for the interest on the amounts you draw from the loan facility.
Commercial loans
Many lenders and financial institutions offer commercial financing, allowing you to have a working capital for capital funding ventures. Toorak Mortgage’s Finance Brokers are than capable in helping you to achieve your investment strategy for sourcing the right type of borrowed capital that suits you best. Our team will be able to source the best value debt for you as a funding for your next business venture or project, regardless if it is for a short term or long term commercial finance.
Car loans
It won’t be easy for you to purchase your dream vehicle. So we are here to help you source the best value car loan, for your cash flow to ease up without you needing to front the cash, all at once. It is a way for you to plan out your monthly expenditure, and budget accordingly.
We will find you the right lender and loan package, and formulate a strategy that will suit you and your needs, which will expedite the process of you getting behind the wheel of your dream car.
Not located in the Toorak? No worries - we can serve anyone nationally with ease.
We service allareas of Toorak
Approved Toorak Mortgage Brokerage Service
Let us do all the hard work for you with our delivery of end to end solutions. We will be sourcing the right loan product that will best suit you, and to help you achieve your long-term financial goals. We commit ourselves to be with you every step of the way. It is our goal to make sure that our clients are fully satisfied by their experience with us, and to ensure that we meet every single criterion set for us to the highest standard. We love to help and educate, and that’s what we do best. With many years of experience under our belt, we carefully construct the right financial strategy that is unique to you and your financial requirements and needs. We will be working with you from scratch, and carefully put together and procure the right loan strategy, exactly for you.
We do not end our journey the moment your loan is approved, we will keep in contact with you, and would review everything from in a regular manner, reconnect with you and strategize if needed. With our access to the best deals on the market, we will not only be providing you with access to amazing deals, speaking to us as a qualified and licensed professional, will also take the burden of filling out the paper work for you efficiently, and seamlessly. It’s a complete win-win for our clients.
While you focus all your time and energy on other things, without being stressed, we will be acting on your behalf, and put everything together for you.
Call today.
Making financial decisions will bring with it a lot of headaches and stress. Hence, we make it our job to give you complete peace of mind, by making sure that the financial services that you are receiving are of the best value possible. Let our Mortgage Brokers Toorak look after you.
Our top most priority is for you to experience exceptional customer service with us. We want to deliver only the highest quality of work, and for our clients to gain new knowledge, and the confidence that they are very well looked after. We will be listening to you and know what you need, and provide you with a complete and transparent service, so that you always know what is happening.