Mortgage Broker in Clayton: 10+ Years of Trusted Expertise

Finding the right mortgage broker makes all the difference in your home loan outcome. Look for:

• Market expertise: Select a broker who understands local property trends and lending conditions.
• Lender relationships: Choose someone with connections to multiple banks and lenders to expand your options.
• Track record: Check their reviews and ask for examples of how they've helped clients with similar needs to yours.

Yes, brokers specialise in investment property financing. They will:

• Evaluate your current portfolio and borrowing potential against your investment strategy.
• Source suitable loan products from lenders with competitive investor terms and features.
• Guide you through structuring options that help optimise your tax position and build equity in your investment.

A mortgage broker streamlines your settlement by:

• Coordinating with your lender, conveyancer, and agent to ensure documentation alignment.
• Monitoring outstanding conditions and required paperwork to prevent settlement delays.
• Managing the settlement timeline to ensure you receive your keys on schedule.

Yes, brokers are invaluable for self-employed applicants. We structure your application to satisfy lenders despite income verification challenges. Our team will:

• Connect you with lenders offering specialised self-employed loan options.
• Walk you through preparing financials that properly demonstrate your business position.
• Present your application strategically to maximise borrowing potential and enhance approval likelihood.

Partnering with a local mortgage broker offers several key advantages:

• Local market knowledge: Their familiarity with area property trends, lender appetites, and regional loan products creates tangible advantages.
• In-person consultation: Local brokers offer tailored guidance through convenient in-person consultations at their office or your home.
• Prompt availability: Their proximity allows for quick communication and adaptable appointment times when financing deadlines approach.

Throughout the settlement, your broker manages crucial details behind the scenes. We take care of:

• Facilitating communication between lenders, conveyancers, and property representatives to ensure documentation alignment.
• Monitoring outstanding conditions and requirements to prevent potential settlement delays.
• Managing the settlement process to ensure timely funds disbursement while guiding settlement-related matters.

Original Wealth's mortgage brokers deliver exceptional value through:

• Established expertise: Our team applies over a decade of mortgage industry knowledge to navigate clients through financing.
• Extensive lender panel: With relationships spanning 38+ lending institutions, we secure competitive rates and tailored loan solutions.
• Ongoing client relationships: Our service extends beyond settlement with structured refinancing assessments and regular mortgage portfolio reviews.

Preparing for a home loan application requires:

• Reviewing your credit report: Lenders assess this carefully, and a strong score can improve your interest rate options.
• Deposit strategy: Aim for 20% or more to access better interest rates and avoid LMI costs.
• Serviceability evaluation: We comprehensively review your income sources, spending patterns and current debts to establish your suitable borrowing limit.

Absolutely, mortgage brokers are particularly valuable for first-home buyers by:

• Assessing what you can realistically borrow while identifying eligible first-home buyer schemes and government concessions.
• Comparing suitable loan products across various lenders to match your specific financial circumstances.
• Managing the application process to secure favourable interest rates while minimising administrative complexities.

After your loan approval, your mortgage broker will:

• Oversee loan documentation process, ensuring all requirements are satisfied and correctly executed.
• Manage settlement communication between your lender, conveyancer, and other involved parties.
• Deliver continued support with your mortgage, including rate reviews and refinance assessments, during your loan's lifetime.