Using A Mortgage Broker

Simon and Terri-Lee

"Our Smartline Adviser was prepared to do the research and come up with a solution. Too many people try and cookie-cutter you or just give up." Simon and Terri-Lee

"When Adam’s parents suggested he contact Smartline, he was excited to hear he could secure a loan with a savings plan and some help from his parents." Adam

Adam
Adam and Natalie

"We had a broker who didn’t make us feel foolish for asking questions, even if it was for the third or fourth time."
Adam and Natalie

"Nothing was too much trouble – our broker met us after hours, and he always got back to us promptly with the answers to any questions we had." Angelo and Belinda

Angelo and Belinda
The Humphries

"We knew we had built considerable equity in our property but were not sure of exactly what to do with it and how best to use it."
The Humphries

"I’ve got a better interest rate, better flexibility, facilities and best of all less stress!" Irene

Irene
Simon

"I refinanced my previous property with my Smartline Mortgage Broker, and the service was so good we stayed with him this time around." Simon

"Building a house can be a very overwhelming & emotional process as there is a lot of money involved, but our broker took care of everything and was always available when I called." Fiona & Jamie

Fiona & Jamie
Helen and Michael

"Our Smartline Mortgage Broker has been fantastic. He showed us how refinancing our home could not only save us money, but also make it possible to buy an investment property." Helen & Michael

Using A Mortgage Broker

Instead of you trailing from lender to lender, making endless phone calls or trawling the internet, a mortgage broker can do it all for you. If you choose the go-it-alone route, you might be lucky to compare three or four different products. Mortgage brokers can compare hundreds and help you get the right home loan!

A good mortgage broker will also help you to understand the various deals that are on offer, explaining all the features and details that might make a big difference to your repayments. And what’s more, your mortgage broker will lodge your application (in many cases electronically, saving time) and chase it through with the lender – so you don't have to! Your broker is the single point of contact for you throughout the process.

While using a mortgage broker can result in substantial savings in time and money for borrowers, choosing the right mortgage broker is the key.

Checklist for choosing a mortgage broker

Our checklist can help you make this important decision. Your mortgage broker should be:

  • A full-time mortgage specialist.
  • A member of the Mortgage and Finance Association of Australia (MFAA).
  • Part of a reputable company network with Head Office support and professional training.
  • Free of charge.
  • Happy to disclose fees and commissions.
  • Covered by professional indemnity insurance.
  • Have access to a broad panel of financial institutions (20+).
  • Have specialist software to compare home loan products, qualify borrowing power, and electronically submit loan applications to lenders.
  • Have a detailed customer charter setting out how they work.
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