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About Habitat

Buying a home can be a daunting process, especially when there are so many things to consider like:

  • where and what can I buy?
  • how much deposit will I need?
  • how much can I borrow?
  • who should I borrow from?
  • what are all the other costs involved?
  • how can I repay my mortgage quickly, and
  • what other decisions do I need to make during this process?

Our role as your mortgage specialist is to guide you through the process to ensure that all your needs and options are considered. We make sure that this exciting opportunity is professionally managed to reduce the time and worry for you throughout the purchase.

If you are researching your finance options, everyone will be advertising "the best deal". What they may omit to tell you about are the hidden costs, or just as importantly how to structure your finance to suit your ongoing and future needs. We have access to many lenders and will be able to guide you through your decision if you are thinking about your finance options right now. Don't do it on your own. Ask us, your trusted finance specialist, to work through this with you.

Don't think that by going to your local bank it will get done faster or that it will be more beneficial to you. All loans go to a processing unit. Brokers have access to the banks' Business Development Managers (BDM's) who can escalate issues. We make them work harder for you to get your loan through. We have access to many loan products across many institutions, which means that we can often find alternative solutions for funding that some banks just can't access. It's not uncommon for brokers to get a loan through the same bank whose local branch has declined an application. Make sure you call us first to save your time.

Regulations in the broking industry are continuing to improve across Australia. Think of your broker as being a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building ongoing relationships with our clients and to think of your best interests, not those of the bank.

We will work with you and your service providers (real estate agent, conveyancer and lender) and sometimes your other professional affiliates (such as your accountant and financial planner) during this process, while ensuring we help you obtain the finance that best suits your circumstances and needs.

Please call the office for more information or for clarification about your own circumstances.

 

 

About Habitat

Give us a call today 08 9474 7744 – that one phone call could make a huge difference to what you see next time you stop to look back.

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           Australian Credit Licence 385447