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Whether you are looking for a home loan, refinancing or a commercial loan, you’ve come to the right place, we are here to help.
ASS Consultants
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Mortgages and Refinancing
The right mortgage for you Qualified & licensed. We’re accredited with the Mortgage and Finance Association of Australia (MFAA), licensed to give mortgage advice, and ready to help. Call now to book an appointment.
No out of pocket costs
That’s right! Because we receive a commission from the lender you select, our mortgage broking service is 100% FREE for you. Our team scour a wide range of lenders to find a loan deal that matches your situation, and our experience means we can sometimes secure loans at better rates than if you went it alone. Although we’re free, there are lender and government fees that you still need to pay. Learn more.
We’ll help you find the right loan.
Negotiated Rates.
Professional Advice.
Stress free.
What is the role of a Mortgage Broker?
You can arrange a mortgage yourself by walking into the local bank or building society, but you also have Mortgage Brokers that can help. The idea of a Mortgage Broker is to prevent you having to visit all of the different lenders to see where you can find the most suitable deal. Their job is to arrange a mortgage and I tend to go a little bit further, as I see it as getting that buyer from the start of their journey to when they’ve just picked the keys up.
WhenweI meet with clients, right from the outset we’ll talk about the different lenders, different surveys and different mortgages available. Once we’ve got a Decision in Principle and a mortgage has been arranged, then my job is to keep my clients informed of exactly what’s happening by liaising with the solicitor, estate agent, lender and surveyor. We would do a Zoom or a Teams meeting and share that information with the client.
We also go through details, such as the surveys with First Time Buyers, as they haven’t been through the journey before. Ultimately as well as the mortgage, I would also arrange the protection in a lot of cases, which many brokers deem to be the most important thing. This means that if anything happens, whether that’s a slate blown off the roof or losing a job, they are protected, and we arrange all the provisions for that from start to finish.
What’s the difference between going to a Mortgage Broker like the Mortgage Co versus your local high street bank?
We’ve got dozens of lenders we can look at, and thousands of deals. If you’re going to one lender, you’re assuming that lender is going to give you the most suitable deal, which in most cases, they’re not, there will almost always be a cheaper lender. The job of a Mortgage Broker is to find the cheapest deal and get the most suitable mortgage for the client.
What services does a Mortgage Broker offer?
As well as mortgage and protection advice, I contact clients on a regular basis to see if there is anything I can do to help them. For example, if they were on a five year fixed-rate, I would ensure that everything is still fit for purpose and value for money, and then certainly four to five months before their deal is up, I would contact them to avoid them going on the Standard Variable Rate (SVR). The SVR is ordinarily the highest rate that a lender offers.
If a client is thinking of moving, I’ll look at putting provisions in place for a Decision in Principle for an onward purchase, whether they’re looking for something larger, or smaller.
When should I see a Mortgage Broker?
Some clients see other lenders and brokers first, which allows them to compare the services that I offer. Equally, you really want to be doing it as early as you possibly can, because then you can prepare everything.
If someone is a First Time Buyer with a very thin credit file, and you’re not looking to buy for the next four to six months, you can work on that credit file before you’ve actually found a property.
I’d encourage people to take a number of advisers’ advice and shop around to find an adviser that they get on with, because there’s a lot of trust involved, so it’s important to see who you can work best with.
Hassle-free finance to help build your business
Whether your business needs financial assistance to grow, you require extra funds to support your day-to-day business operations or you are wanting to leverage your equity to expand or restructure our team at ASS Consultants can help you! A mortgage broker advocates on your behalf with potential lenders, working in your best interests to find the ideal lending solutions for your business’ unique needs and circumstances.
We're the experts in business and commercial loans
Professional support is imperative when negotiating a good deal. With Mortgage Brokers Sydney, you can enjoy the personal touch. Your commercial loan will be managed from end to end by a single, experienced mortgage broker who will act in the best interests of your business.
Most large brokers are about quantity over quality when it comes to loans, however we do things differently here. Being a small business, our success thrives from word of mouth, which can only be achieved through delivering outstanding service. We will work with you to find the best solution for your business!
How ASS Consultants can help you
Buying commercial real estate for your business or as an investment takes a significant amount of work. Having an experienced commercial loan broker on your team is essential in getting the best deal you can to help take your business further.
At ASS Consultants , we can discuss your different financing needs and lender requirements, helping you navigate through the various loan options to find the one that is right for you. We offer a comprehensive consultation process which allows us to determine what you want from your loan, reviews your current circumstances and then recommends loans that best match your needs.
