At Shoemark Real Estate, we strive to make your buying experience as smooth and straight forward as possible. To help make this possible we're excited to have mortgage broker, Scott Toynton in our office on the 1st and 3rd Wednesday of every month. Scotty from Springview specialises in home and investment loans as well as business lending.

Call Scott for a chat on 
0432 256 069
[email protected]
springview.com.au

Why use a mortgage broker?

A mortgage broker can simplify the often complex home loan process, offering expert guidance and access to a wide range of lenders, Here are the key benefits:

1. Access to multiple lenders

• Wide range of options: Brokers work with various lenders-blanks, credit unions, and alternative options- helping you compare loans to find the best fit. 
• Specialised lenders: Brokers often have access to lenders who cater to specific needs, such as business owners, first-time homebuyers or those with lower credit scores.

2. Expert advice and guidance

• Market knowledge: Brokers stay updated on mortgage rates and terms, offering personalised advice to match your situations.
• Experience with unique scenarios: Whether you're self-employed or have irregular income, a broker can guide you to the right lender for your circumstances.

3. Convenience and time saving.

• One application process: Instead of filling out multiple applications, your broker handles the paperwork, saving you time and effort.
• Easier comparison: Brokers streamline the comparison of different loan offers, presenting you with the best options for your needs.

4. Potential for better rates

• Negotiation power: Brokers often secure better interest rates or terms due to the volume of business they bring to lenders.
• Exclusive deals: Some brokers have access to lender promotions or rates not available to the general public.

5. Help with complex loans

• Customs solutions: If you need a specialised loan, brokers can navigate the complexities and ensure you get the best product.
• Government programs: Brokers are often aware of government schemes and first-home buyer incentives that can offer additional benefits.

6. Support with credit challenges

• Alternative lenders: If you have a lower credit score, brokers can connect you with more flexible lenders.
• Credit improvement tips: Brokers can advise on how to improve your credit score to qualify for better loan options in the future.

7. No out-of-pocket costs (in most cases)

• Paid by lenders: Most brokers are paid a commission by the lender, meaning their services come at no cost to you. Always confirm any potential fees upfront.

By working with a mortgage broker, you can simplify the loan process, receive personalised financial advice, and potentially secure better terms than if you went directly to a lender.