Have you decided to feel the magic of owning an investment property or a new home? If you’re reading this, you’ve probably chosen the great city of Brisbane for your real estate investment or your first home.
As with every profession, not all mortgage brokers give you the best services. The best broker will make the process of buying a home and getting a home loan stress-free and straightforward. A bad broker might even cause your home loan application to be declined.
Choosing your broker is one of the essential aspects when making an important financial decision. Your loan solution should be a professional you can trust.
Who are the best mortgage brokers in Brisbane, and is it better off taking a home loan directly from a bank?
Why should I use a Brisbane mortgage broker if I can get a loan through my bank?
Here’s the difference between the two options:
| Using a broker | Applying directly to a bank |
|---|---|
| They take the extra time upfront to go through your entire situation and provide a complete lending solution. | Many banks focus on increasing their customers quickly and won’t be concerned about your financial future. |
| They can also manage your loan application for you, which can help avoid the minor errors that can hold up your pre-approval. | You will get minimal support in packaging the loan from a bank. |
| They will look at both your current needs and future scenario, to make sure you have the best loan product that looks after all of your needs. | They are only concerned about getting repayments on time. |
| Whether it’s your first home, new home, investment property or refinancing, they will always try to help you save money and be there every step of the way. | Banks/lenders may charge high-interest rates, and you may not be aware of that if you don’t have an expert that helps you find out the competitive rates in the market. |
| They have access to lenders’ different policies and loan requirements. They can recommend the best lender that suits your situation. | They can only offer you a limited selection of loan products and there’s no guarantee that you’re getting the best deal available. |
More at: Mortgage broker vs bank
With the demand for properties in Brisbane increasing, it’s more important now than ever to work with a mortgage broker. It helps to ensure that you have the finances ready to roll when the auction hammer falls.
What’s the benefit of using Home Loan Experts over any other mortgage broker in Brisbane?
We take the time upfront to go through your entire situation and provide you with a complete lending solution catered to your financial goals.
We’re not usually keen on self-promotion here at Home Loan Experts. However, there are some distinct advantages that we have over other brokers in Brisbane and they indicate our growing reputation.
We have a big focus on customer care.
We have two teams that help the customers full time: Customer Relationship Team and Customer Success Team.
Customer Success Team proactively touches the base and follows up with the clients to understand their needs with the ultimate goal to retain clients for the long term. If you have any post-settlement FAQ’s, we’ve got it covered.
Customer Relationship Team handles reactive requests – resolves customer queries and organises construction progress payments, loan variations, and loan increase.
We have a comprehensive website that has all the information you need!
We have written over 300 blog posts, published over 1400 web pages, created a mortgage news section for new updates and trends in the industry. We have written a guide for first home buyers — all focused on teaching you everything you need to know about securing finances for your dream home.
We send out a monthly newsletter to keep you up to date with the latest developments in the finance world.
We have a team full of home loan experts!
Another advantage we have is our size. With twenty-one brokers supported by a dedicated credit analyst and loan processing specialist team, we ensure that you get personalised service and care. Thanks to these features, Home Loan Experts is one of Australia’s best mortgage services operating for Brisbane.We have one of the best digital mortgage systems in place.
We believe trust and service are pivotal elements to the financing experience. Digital technologies enable a comfortable experience, keeping intact the reliable human to human contact and support.
We constantly develop our online application process to connect you to someone you can trust even when you choose to apply through a fully online process.
What do I need to prepare when meeting with a broker?
It’s never too early or late to start planning for your first or next home. If you’re at the very beginning of your home buying journey, bring along a list of the questions you’d like to ask.
Suppose you’re already in the process of buying a place of your own in Brisbane. In that case, it’s best if you gather bank statements, payslips and other necessary documents that will give your mortgage broker an idea of your financial status.
After reviewing your documents, your mortgage broker will explain the steps you could take to help get your application approved by the lender.
With the support of your mortgage broker, you’ll be able to understand more about how home-buying works and what you can do now to start making your property goals a reality.
Free advice, no fees, no credit enquiry
With over 50+ lenders on our panel, strong relationships with valued partners and a great understanding of the entire lifecycle of the lending process, we would love the opportunity to assist you with your financial needs.
Unlike lenders, we don’t sell you a product and we act in your best interest. We don’t charge a broker fee for most home and investment loans.
Call us at 1300 889 743 or fill in our online assessment form to find home loan options that best suits your individual situation.
