Why More Australians Choose Brokers

More than 60% of Australian home loans now go through mortgage brokers. Here’s why:

• You get someone working for YOU, not the bank
• You can see many lenders without visiting lots of branches
• We know how to handle tricky lending rules
• You save heaps of time

Why Choose a Broker Instead of Going to a Bank?

1. We Show You Many Lenders, Not Just One

At a Bank:
You only see that bank’s products. Even if you visit three banks, you’re missing most of what’s out there.

With Us:
We work with over 60 lenders including:

• Big banks (CBA, Westpac, ANZ, NAB)
• Smaller banks
• Special lenders

We can truly compare and find what works for YOUR situation.

2. We Work for You

Banks want to sell their own products, even if they’re not perfect for you.

We have to find what’s best for YOU by law. Australian rules say we must:

• Recommend loans that suit your needs
• Tell you about all our fees
• Put your needs first
• Follow strict rules to protect you

3. Save Time and Reduce Stress

Going to Banks Takes Forever:

• Visiting multiple branches
• Telling your story over and over
• Filling out separate forms for each bank
• Waiting for each answer
• Starting again if you get rejected

We Make It Simple:

• ONE conversation about your situation
• ONE application
• ONE person to talk to
• We handle all the back-and-forth
• Most clients save 10-15 hours!

4. We Know What Lenders Really Want

Banks don’t tell everyone their secret rules. We deal with them every day, so we know:

• Which lenders like your area
• Which ones are easy on different job types
• How to make your application look its best
• Which lender will probably say yes

This means you’re much more likely to get approved the first time.

5. We Can Get You Better Deals

On Your Own:
You have little power to negotiate rates or fees.

With Us:
Because we bring lots of customers to lenders, we can:

• Get better interest rates
• Reduce or remove fees
• Talk directly to decision-makers
• Get faster answers
• Ask for special exceptions

6. We Handle Tricky Situations

Banks Like Simple Applications:
Regular job, good credit, standard house = easy for them.

We’re Great with Complicated Stuff:

• Self-employed people
• Casual or contract workers
• Past credit problems
• Unusual properties
• Combining debts
• Investment loans
• Small deposits
• Income from overseas

If you don’t fit the normal pattern, we’re especially helpful.

7. We Keep Helping After You Get the Loan

Banks:
Once you have your loan, they rarely check in.

Us:

• Regular reviews to make sure your rate is still good
• Let you know about better products
• Help with refinancing when it makes sense
• Support for future loans
• Advice on paying off debt faster