Commercial Property Loans

Mortgage brokers are professionals in the finance industry. They work with you to determine your needs and objectives and how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for you.

Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with the right solutions.

Brokers have access to a wide variety of lenders. This means our broker can find a loan that’s just right for you.

Lenders will only sell you their own products. Each bank (or lender) has various loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in. If you go direct to the bank, you will only be offered the loan options available through that one lender.

At Intrinsic Financial, we are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs. We do all the leg work to save you time and money by finding a loan product that suits your requirement out of competitive market. We understand your personal circumstances and then show you the most favourable options from a wide variety of loan products and options

We conduct all research for you and once you have decided on the loan, we complete your application, communicate with the lender on your behalf and handle all the detail right through to settlement. We take the full stress out of you until your loan is approved.

We can help you to structure your loan to achieve the competitive rate of approval and to have the right ongoing result for your needs.

We use our sophisticated calculator that is designed to provide borrower an accurate indication of their borrowing power based on individual lender. However, it is not a commitment from the bank to lend money based on this letter.

To calculate, we consider your annual income, monthly expenses, type of loan and current interest rate, repayment type (principal or principal and interest), the loan term and estimated repayments.

We are Connective Brokers. This means that we have access to many lenders that we hold accreditations with. This means we can source you a loan from a variety of lenders to provide you with options that are suitable for you and your situation.

Our top lenders which we generally conduct our most business with are ANZ, CBA, Bankwest, Nab, St. George, Westpac and AMP.

Absolutely not.

First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry, called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender. Our job, our only job, is to find a competitive loan for your needs and objectives.

Sure thing! We are mobile brokers, so we can come to you!

The Reserve Bank of Australia meet on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Mortgage brokers do not set rates