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Mortgage Broking

What Mortgage Brokers do

A Mortgage Broker is a go-between who deals with banks or other lenders to arrange a home loan. A good broker works with you to:

  • Understand your needs and goals
  • Work out what you can afford to borrow
  • Find options to suit your situation
  • Explain how each loan works and what it costs 
  • Apply for a loan and manage the process through to settlement

Questions to ask your Mortgage Broker

If you choose to reach out to a Mortgage Broker make sure you ask lots of questions. For example:

  • Do you offer loans from a range of different lenders? What sort of lenders do you work with? What kind of lenders can’t you access?
  • Why did you recommend this loan to me? Why is this loan in my best interests?
  • What fees will I have to pay when taking out this loan?
  • What features come with this loan? Can you show me how they work?
  • How do the fees and features of this loan affect how much the loan will cost me?

Mortgage Broking services

Our preferred Mortgage Brokers offer a range of broking services suitable for individual and business use.

Mortgage Broking Services:

  • Asset: Asset Finance is tailored towards self-employed clients, small to medium business owners, and contractors. It allows business owners to purchase the equipment they need to run their businesses effectively. 
  • Business: Be it to start a new business, grow your operations or buy a commercial premises, with tailored finance solutions for business, this service uses specialised knowledge, dedicated support and guidance throughout the entire loan process to ensure your loan experience is hassle-free.
  • Car: Suitable if you want to purchase a new, vintage, classic car or motorbike. 
  • Personal: A personal loan is one of the most common solutions when there is a financial need – most personal loans are easy to apply for and are usually approved within a day.
  • Refinance: With access to over 40 lenders, including major banks and non-bank lenders, with a quick and easy credit assessment, a qualified Mortgage Broker can explore the possibilities for you.
  • SMSF: If you have an SMSF (Self-Managed Super Fund), you have the ability to purchase both residential and commercial investment properties. The returns on your investment, through rental income or capital gains, are returned to your super fund, allowing you the ability to grow your retirement fund.
  • Commercial: If you are looking to diversify your property portfolio or if your business requires a premises that you would rather not rent, a commercial property may be the option for you. 
  • Purchase: If you are a first home buyer or seasoned investor, if you are looking to purchase a new residential or investment property, a mortgage broker will be able to assess your borrowing capacity across 40+ lenders to ensure that they meet your individual needs & objectives. 

To get the conversation started about your mortgage broking needs, contact James Matheson – Founder and Finance Broker

at JM Financial Solutions

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