Melbourne Mortgage Broker
Why choose a hfinance Melbourne Mortgage Broker?
If you have googled Melbourne mortgage broker, you have embarked on a unique journey that, with the help of hfinance, we can work together to achieve your financial goals.
But if you’d rather spend that time sipping a latte, eating smashed avo for brunch, you’d better engage the services of a local Melbourne mortgage broker.
You may be a First Home Buyer looking to find and secure your first property and a little daunted with the steps involved in applying for a loan. For a Step by Step Guide to Buying Your First Home Click Here
Perhaps you are a young family seeking to tap into some of your equity to renovate your home, purchase a bigger family car or take the kids on an unbelievable holiday. For information regarding young families looking to refinance Click Here
Maybe your line of work is a little more complicated as you operate as a sub-contractor and you need some assistance putting all the right paperwork together and having your accountant liaise with your lender to apply for a loan.
Whatever your financial situation looks like, with hfinance, your local mortgage broker will ensure a smooth process from initial consultation all the way to settlement of your loan. This includes liaising with your real estate agent, solicitor, accountant or financial planner.
Understanding your goals and objectives
At hfinance, we will take the time to meet with you and understand your goals and objectives over a cup of coffee and recommend suitable products to achieve your goals.
We understand that each client has unique financial circumstances and will assess the best way to assist your situation.
It is important to remember that by assessing your goals and objectives, it includes understanding both your short and long-term personal financial goals. Your local mortgage broker will do just that.
From the very first coffee and chat to the completion of settlement, your goals and objectives are our number one priority!
To read more about the loan application to settlement process click here
Accredited Mortgage Brokers and Panel of Lenders
hfinance mortgage brokers are FBAA (Finance Brokers Association of Australia) Accredited and hfinance have a lending panel of over 30 lenders to choose and recommend from.
From the BIG 4 lenders including National Australia Bank, ANZ, Westpac and Commonwealth Bank of Australia, to regional banks, credit unions and boutique lenders such as Resimac and Bank of Melbourne.
There will be a loan product to meet your goals and objectives based on your current financial situation. We know the market and lender policy to recommend you lenders that meet your specific needs.
The banks pay us to assist you
So how do you know the broker is not favouring the lenders who pay the best commissions?
The majority of lenders pay similar commission to the broker introducing the loan.
Brokers are required by law to disclose the commission received by the lender for introducing the home loan.
The details of the commissions paid are disclosed in ‘Credit Proposal’ a document required per the National Consumer Credit Protection Act (NCCP Act)
Second chance
If you have an outstanding bill or two that have blackened your credit rating then banks are likely to knock you back without question.
There are lenders, however, that specialise in poor credit loans and a Melbourne mortgage broker can put you in touch with these and assist you with the loan process.
Location knowledge
A good Melbourne mortgage broker will tailor their home loan offering to meet their client’s needs.
Your local mortgage broker will have to keep their ears to the ground to keep updated with local policy and specials in the market, as long as local trends.
For example, applying for a loan for an apartment in the Docklands can be tricky with many lenders applying borrowing restrictions on how much they will lend against the security.
A mortgage broker who knows Melbourne area can recommend a suitable lender for your situation and location.
Life’s too short
Don’t forget that the forms you need to fill and the paperwork you need to locate once you’ve finally chosen your loan make for a whole new headache, but your broker can help you with that too.
Some people who do their own research and manage to find a cheaper loan are usually derailed by the obscurity of fine print later on.
Let a hfinance Melbourne mortgage broker assist you with the process and educate you along the way around the correct financial structure.
We do business the way that suits you
Your local mortgage broker will tailor the way we do business that is suitable to your lifestyle.
Our standard of service includes treating you as more than a number! We operate on your terms. Face to face meetings, out of hours meetings, traveling, emails, phone calls, video conferencing.
We will conduct business in a way that works for you. We understand that our world today is busy and complex and hfinance is here to make your life and the whole loan application process more convenient.
So please let us know how you want to do business with us.
Start the conversation with a Melbourne Mortgage Broker today
Your local Melbourne Mortgage Broker, Daniel Tonelli, is waiting to hear from you today. Click below to book a coffee and consultation or you can call him on 1300 928 227 or email him info@hfinance.com.au
To talk with a Preston Mortgage Broker Click Here, to talk with a New York Mortgage Broker Click Here and to talk with a Gold Coast Mortgage Broker Click Here.
Contact us today
We love chatting about finance, contact us to start the conversation today.