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Looking for a Mortgage? Know your 5 First!

A large percentage of people still head straight to their own (or nearest) bank when deciding to apply for a home loan. If you have done this or are about to do this, you may be missing out on some significant benefits.

There are five very strong reasons as to why EVERY borrower should talk with Wayne and the team when trying to secure property finance:

1. CHOICE - after all it is a free market isn’t it?

The biggest advantage when using Wayne over a bank is choice. When you sit in front of Wayne you can choose between 10+ lenders and 50+ products versus visiting a bank representative who has access to only their bank’s products. This is especially important at a time like now, when the banks are saying ‘no’ more, and by having multiple choices you’re likely to get a ‘yes’.

2. EXPERIENCE - in areas that really matter.

Ask your bank representative how long they’ve been helping people with home loans, then compare this with Wayne’s 40 years within the lending sector. That’s experience through almost every financial situation including the harsh late ‘80s, the booms and bust of the ‘90s, the global financial crisis of 2007 / 2008 and the more recent Reserve Bank policy changes and upheavals. He has provided assistance in almost any situation you can think of from first homes and property portfolio investments to marriage breakups, bankruptcy and everything in between. With experience like that you can be assured he knows more than most when it comes to what is required to secure a mortgage. After all anyone can read an interest rate and use a calculator- it takes experience to know what numbers really matter and what questions to ask.

3. PERSONAL CARE - We act for you – and it’s more than just words

The value we provide is acting on your behalf – impartially. We have to, it’s part of our legislative and legal responsibility, but it’s also what we know to be right.

There is an equally strong argument for Wayne to act for you in situations where you may need to borrow more money in addition to and after your mortgage has been sorted. Situations where extra debt might be needed to purchase a replacement vehicle, boat or other large financial undertaking.

If clients have equity in their personal residence and are able to increase their borrowing to consolidate we will advise and assist them to borrow those funds at housing rates with the debt secured over their residence.

Banks often and invariably take a different approach guiding customers into borrowing those funds on a personal loan.

The difference is that under a personal loan facility the interest rate charged is at least 3 times the rate clients would pay if borrowing the funds at residential interest rates. Also by borrowing the funds secured against their home the client can dictate the term and/or amount they wish to repay the loan over or at. With a personal loan your term is restricted to a maximum 5 years.

This is another example of lenders focusing on their profit margin, not what’s in the customer’s best interest, and a practice contrary to the no.1 rule under the FMA code of practice regulations.

4. FOLLOW UP - so you don’t have to.

Following up the progress of your loan application is time consuming and frustrating. Wayne and his team of staff do that for you, keeping you informed and saving you time. Sounds simple enough but when you are trying to keep up with the pressure at work and focus on the family, the last thing you need is to be worrying about what paperwork is where and with whom. This comes into play particularly if you are considering a build process. Watch for an upcoming newsletter about the building and finance process.

5. PERSONAL MORTGAGE COACH – not just for the rich and famous!

Wayne effectively is “like the perfect personal coach”. You may have thought only people with extensive investments or property portfolios have access to this service. Guess what - you can too!

Wayne knows what needs to be done, can ensure it happens and because it’s Wayne’s own business, he is in for the long haul. Bank staff change often.

So even when you find a good personal banker they change jobs or roles before you know it. With Wayne as your personal financial coach you know when you call it’s him you are going to get.

As a coach he works with you throughout the lifetime of your mortgage facility encouraging you at every opportunity to lessen debt and pay off the mortgage as soon as possible saving thousands of dollars in interest. He can show you how and will work with you to achieve that.

Call the team who can help!

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Our advice comes supported by many years in the mortgage and insurance industries. So contact us today!

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