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  • September 8, 2022

Melbourne Home Loan: We’re Here to Help You Get the Right One

Purchasing your first home or investment property is a big step for most people. A key element of most property purchases is the need for the buyer to apply for a Melbourne home loan to complete their property purchase.

Although you can go out and source home loans by yourself, the complexity surrounding Property Loans is such, that you will usually get a far better outcome, by engaging the services of an experienced local Mortgage Broker such as Oz Lend.

All lending institutions, including the four major banks, apply their own unique lending criteria when assessing Melbourne home loan applications submitted to them. If you have no experience with the wide variations that exist in the lending criteria applied by lending institutions, you can waste a lot of time and risk damaging your credit rating by submitting multiple Melbourne Home Loan applications.

The majority of Melbourne Mortgage Brokers do not charge clients a fee for their services and are legally required to act in the best interests of their clients when recommending loans.

Choosing not to utilise one to assist you to obtain the right loan, at the right rate, and under terms and conditions that are most suitable for your unique circumstances, is an opportunity missed.

Make Your Life Easier with a Mortgage Broker in Melbourne

Borrowers usually have limited experience with, and minimal understanding, of the terminology used by lending institutions. In general, lenders do not make it easy for you, and they always act in their best interest, which may not always be in your best interest.

Therefore, a Melbourne Mortgage Broker, fully vested in industry knowledge and aware of the behaviours of a wide range of lending institutions, can ensure that your interests are fully protected in any application for a Melbourne home loan.

A Melbourne Mortgage Broker will make your life easier by;

  • Assessing your current financial position and future income prospects:

A mortgage broker can help you understand how well positioned you are in terms of qualifying for a Melbourne home loan and assess your ability to comfortably service a loan into the future.

  • Identifying the best loan type for you:

Your circumstances are unique to you and not all Melbourne home loan types will be a good fit with your situation. A mortgage broker will identify the right loan type to apply for to prevent unwanted outcomes in the future.

  • Identifying the best lender for your loan type:

Whilst most Lending Institutions offer a range of Melbourne home loans, a mortgage broker will identify the lender who offers the loan type you need, under the terms and conditions that are most advantageous for you, over the term of the loan.

  • Managing the process of applying for Melbourne Home Loans:

A mortgage broker will utilise their experience and understanding of Melbourne Home Loan processes, to step you through all parts of the application process, ensuring that delays are prevented, hurdles avoided, and timelines are met.

  • Completing all follow-through actions:

As loan approval is not the end of the overall process of financing your property purchase, a mortgage broker will ensure that all steps required to draw down the loan and have funds ready for the settlement of your purchase are carefully handled to avoid any costly settlement delays.

The Right Mortgage Broker for Your Melbourne Home Loan

Like all professionals, mortgage brokers offer services that are designed to facilitate a process that is neither simple nor easy to develop do-it-yourself skills.

As with most professionals, the general rule is the better qualified, the more experienced, locally based providers have an edge over other professionals seeking to provide similar services in your area.

All the better, if they have had a local office for many years and have built up a loyal client list.

Oz Lend is one such mortgage broker with extensive experience in arranging a Melbourne Home Loan.

Why not put us to the test, and let us make your life easier when you need a home loan?

We offer a “no obligation”, free consultation at our office or a place that is more convenient for you. Call now on 1300 438 669 to request your free consultation or click on the button below.

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