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MORTGAGE BROKER FOR YOUR LENDING SOLUTIONS

 

“Qualifying for home loan remains a source of anxiety as banks continue to strengthen their lending rules. Home loan borrowers are most worried about over borrowing capacity, fearing loan rejection or concerned they will fall short of their lending expectations.”

 

Our motto is simple “to pay close attention to the concerns of clients and understand their unique situation”

As a boutique mortgage broker, we will provide you a tailored service that others simply can’t match. Whether you are refinancing, investing or buying first home, you can rest easy knowing that our expert broker will work around the clock to get you a deal that works for you.

We will remove the pain points for you when applying for a loan, not only from a convenience perspective, but from an expertise level that gives you a greater chance of success.

Along with discussing possible features like competitive interest rates, redraw facilities and other features, we will provide you with customer service that you will value for the life of your loan!

Our commitment to transparency and communication means help is only a phone call away – and if you can’t reach us, we promise get back to you within 5  business hours. 

 

CALL US to get our expert broker by your side and feel confident that you are in safe hands.

Our service is NO COST to YOU as we get paid by the lender.

 

M) 0430 038 741 

e) sohil@intrinsicfs.com.au 

Authorised Credit Representative of Connective Credit Services Pty Ltd under Australian Credit Licence No. 389328/ CRN 487319. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

 

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First Home Buyers – Avoid Costly Mistakes!

2 common mistakes First Home Buyers make before real house hunting.

1. NOT getting pre-approval: just knowing you qualify for a home loan is not enough. Before you start searching for properties, you should obtain a pre-approval letter from lender on how much they are willing to lend you.

Benefits of gaining pre-approval:

– Let you buy the property with confidence since it gives you clear guidance on how much money you can borrow
– You will not set yourself up for disappointment if you think you can spend more than your lender agrees to lend you
– It can speed up your mortgage application process, so when you decide on a property, you can access your home loan faster.
– It shows real estate agents and vendors that you are serious about doing a deal, which could make negotiations easier.
– It can be valid for up to 6 months

DON’T:

– Get multiple pre-approvals with different lenders because having multiple can affect your credit rating, as your credit file will show numerous enquiries with different lenders.
– If you are not seriously considering purchasing than you should not seek a pre-approval because unnecessary finance enquiry may negatively impact on your credit rating.

2. Underestimating or not estimating additional costs is a fatal mistake many first-home buyers make and thinking that if they’ve got a $50,000 deposit and a $500,000 home loan they will be able to afford a $550,000 property. The reality is that there are many other costs you should know and budget ahead of time so you won’t be losing sleep when you move into your new home.

Some of the additional costs include:

– Stamp duty
– LMI – Low mortgage insurance (applicable if your loan value is more than 80%)
– Solicitor’s cost
– Home insurance
– Moving costs
– Council rates and water rates

Buying your first home can be quite tricky. That’s why, I am here to be with you every step of the way AND PROTECT YOU FROM MAKING ANY COSTLY MISTAKE!

Contact us to help you avoid any mistake with your first property!

admin@intrinsicfs.com.au