Our Services

What Is A Mortgage Broker?

A mortgage broker acts as an intermediary between a borrower (you, the client) and a lender (banks, credit unions, etc.) by means of finding the appropriate lender to suit you, the buyer. Kind of like a match maker, by matching clients to lenders.

Our team has a wealth of knowledge and experience, and will find you the most appropriate home loan in next to no time. We begin by listening very carefully to you, discovering your needs for today, and your goals for the future, and developing a plan to suit.

Advantages?

EXPERIENCE - We are industry experts, years of experience contribute to our knowledge and expertise and use that to help you.

TIME - We save you a lot of time, we take care of the whole process from start to finish. Paperwork, lodging, running around, all done by us.

FREE - Our service is free to you.

What Does A Mortgage Broker Do?

Martyn Williams and his team at Mortgage Brokers North Shore are dedicated to making your dream happen.

Initial Consultation

With a few pieces of information, we can give you an idea of your borrowing power. It's great to know this first before looking for a home so you know what you can afford. It will also help you with negotiations as you will be able to do them on the spot.

Our initial consultation carries no obligations, and we are happy to do the consult by whatever means suits you, e.g. face to face, email, phone, Skype, etc. - during business hours or after.

Pre-Approval

Following our initial consultation, we crunch the numbers and provide you with a pre-approval figure. This gives you an idea of what you can go house hunting with.

It is important to note that this figure is an indication only, and is subject to lender approval in addition to the required documentation being provided and giving evidence of your financial circumstances.

Don't waste your time wading through loan application documents, filling in forms, faxing, submitting, emailing, and all the other hoops the lenders want you to jump through.

We do all the work for you.

We ask you for the necessary supporting documentation such as payslips, bank statements, etc. then we do the rest. We liaise between you and the lender. And because we want you to get the loan and achieve your dreams, we keep going until that has happened.

Don't be left in the dark.

The loan application process can take 2 to 7 days for approval from the lender. There's nothing worse than sitting around waiting for a phone call, day after day.

We will keep in constant communication with you and the lender. You will never not know the status of your application.

First Home Buyers

We will determine your eligibility for the first home buyers grant and if so, use the grant to help you get you into the house of your dreams. You don't need to be an expert in the banking industry because we will advise you on the best options for your circumstances.

You will feel at ease as we guide you through the complexities of mortgages and help you every step of the way. And we will be there not just today, but for your future as well.

Home Loans

Get the best home loan with the best interest rates with our service. If getting the right home loan is important to you, we can assure you we will work hard to research all the available options for your situation.

Not only will you get the best loan for you now, we will deliver you a solution to meet your future goals.

Mortgage Refinance

Get a better deal on your home loan and potentially save thousands. We will assess your current loan and discuss with you your goals, and then scour the marketplace for a better interest rate and loan options.

Our service includes finding you a better deal, and taking care of all the refinancing options including the discharge or your old loan.

Low Deposit Home Loans

If you think your deposit could be a bit low and you're not quite there, get in contact with us and we can assess your situation.

We have access to a wide range of home loans where a lower deposit can be accepted. After assessing your situation, we can determine if you are eligible to take out a low deposit home loan and we can let you know how much you can borrow.

Low Doc / Self Employed Home Loans

Self employed, sole traders, owner/operators have special options available to them known as low doc home loans. These loans take into consideration that normal documentation such as payslips may not be available for the self employed.

We will be happy to work with you to find a solution to meet your needs. We will work with you and help you with the documentation required to get you the loan amount you are after.

Property Investment Loans

Martyn has many years and a personal interest in investment properties and has a wealth of knowledge on property investment loans to suit. Martyn can even provide advise on the proposed investment property if required.

Our loan options include interest only loans or principle and interest loans and we will happily discuss with you the advantages and disadvantages of each.

Property Investment Advice

If you are seeking some friendly advice on an investment property you are considering, our team will be happy to assist. We have extensive experience in investment properties and an accounting background so combined provides for some sound knowledge.

There are many advantages to investing in property and done well can be a very rewarding journey.

Debt Consolidation

A handful of credit cards, a car loan and possibly a personal can be overwhelming and hard very stressful. We will help you start sleeping again by helping you through this difficult time and arranging your finances so that they are manageable.

This can be achieved by refinancing your mortgage if you have one and creating a suitable payment plan and strategy.

Self Managed Super Fund (SMSF) Loans

If you're looking to enhance your retirement and use your super to invest in property, we can help you formulate a strategy, navigate through creating the correct financial structures, and finding the right properties to invest in.

Knowing the legal and taxation requirements for SMSF loans is critical and we will make the process a breeze for you.

Commercial and Business Loans

We will happily assist with commercial lending. There are many facets to a commercial loan and we can help you to achieve your goals with your business by offering advice and help on commercial lending.

If you're looking to purchase a business we will also be happy to assist with financial advice and helping with finance needs.