Your Trusted Mortgage Broker in Brighton

A broker serves as the intermediary between borrowers and financial institutions, identifying suitable loan solutions. Unlike bank representatives who access only their institution's offerings, we navigate the entire lending market. Our services include managing rate negotiations and paperwork, which helps uncover lending opportunities many borrowers wouldn't discover themselves.

• Unbiased market assessment
• Multi-lender submission capability
• Application process management

We hold partnerships with numerous lenders, granting us access to a variety of loan products not available to the public directly. After reviewing your position, we identify products with suitable features and competitive pricing. Beyond just rate comparisons, we assess loan structures that align with your specific property goals.

• Comprehensive market access
• Broker-only lending channels
• Structure recommendations based on objectives

Working with our firm means one application reaches multiple lenders. We take care of rate comparisons and submission paperwork, often securing terms that aren't advertised publicly. Most clients appreciate avoiding multiple bank visits and lengthy assessment meetings.

Our accreditations cover all major lending categories required in the market:

• Owner-occupier mortgages
• Investment facilities
• Construction funding
• Existing loan refinance

Each category requires specific documentation and structuring approaches. We'll outline the requirements based on your particular scenario.

Our service operates on a commission-based model, paid by the lender upon settlement. This arrangement means clients receive our market analysis and application management without direct fees.

We examine your income structure, deposit source, and property plans before making recommendations. Different lenders apply varied assessment policies - what's declined by one bank might be approved by another. We outline key product differences that impact your specific circumstances.

Pre-approvals generally take 3-5 business days, varying with lender volumes and application complexity. Most institutions now use digital verification platforms, which can reduce processing times. We track applications throughout the assessment pipeline.

• Efficient document collection
• Regular status updates

Typical documentation includes identification, recent payslips or tax returns, and bank statements showing savings history. For self-employed applicants, we'll need business financials. We provide a tailored checklist based on your employment type and the specific lender requirements.

• Personal identification
• Income verification

Refinancing forms a significant portion of our business. We review your current loan structure, interest rate, and features against today's market offerings. Many clients benefit from lender policy changes or improved rates without changing their repayment structure.

• Current loan review
• Market comparison

Bank staff can only offer their own institution's products. We present options from different lenders, including smaller providers with competitive niche offerings. Our recommendations focus on suitability rather than particular product targets or sales incentives.