Tailored Home Loans with Mortgage Brokers in Chadstone

The brokers deliver loan structuring advice tailored to client needs while accessing over 40 lenders through aggregator panels. Key advantages include specialised pricing not offered through traditional banking channels, ongoing portfolio reviews, and single-point management for loan transactions from application to settlement.

• Access to tier-based pricing structures
• Streamlined submission process
• Broader range of credit providers

Unlike banks that offer products from one institution, Original Wealth brokers work with over 38 lenders, providing more options. Our approach includes:

• Access to major banks and specialist lenders.
• Competitive rates and terms.
• A personalised approach tailored to your financial needs.
• Better deals through a wider selection of loan products.

For buyers with limited savings, our mortgage brokers deliver real solutions. We've established relationships with lenders who specialise in first-home purchases, including those participating in the First Home Loan Deposit Scheme. After reviewing your financial position, we identify suitable pathways to property ownership despite smaller deposit amounts.

To apply for a loan, you'll need documents like:

• Proof of identity (e.g., passport or driver’s license).
• Proof of income (pay slips, tax returns).
• Bank statements for the last 3 months.
• Details of any existing debts.

Our brokers manage your file throughout the process to ensure accuracy and consistency in your application.

For competitive rate access, engage our accredited finance specialists who leverage aggregator relationships and market knowledge:

• Compare product options from 38 lenders.
• Negotiate the best rates available.
• Present loan products that align with your financial goals.

Our market insights secure optimal pricing structures across our panel lenders.

Our lending panel covers diverse finance solutions across multiple categories:

• First home buyer loans.
• Investment property loans.
• Refinancing options to secure better rates.
• SMSF loans for property investment.

We match product features to client objectives and servicing capacity following comprehensive requirement analysis.

Most lenders assess applications within 5-15 business days, contingent on valuation timeframes and policy requirements. We accelerate approvals by preparing complete submission packs, liaising directly with credit departments, and escalating applications when necessary through senior aggregator channels.

• Assisting with pre-approval, which can take a few days.
• Managing documentation and submission.
• Coordinating with lenders for fast approval and settlement.

At Original Wealth, our mortgage broker services are free for you. Instead of charging directly, we are compensated by lenders once your loan is settled. This means:

• No upfront fees.
• Access to expert advice and full support.
• Transparent, commission-based service that benefits you without added costs.

Refinancing through a broker allows you to secure better rates or restructure your loan. Our brokers help by:

• Reviewing your current loan and identifying potential savings.
• Comparing refinancing options from multiple lenders.
• Handling the paperwork and ensuring a smooth transition to your new loan terms.

Financial institutions distinguish between these preliminary assessment stages. Pre-qualification provides an estimated borrowing capacity based on client-supplied financial information, without requiring documentary verification. Pre-approval involves a comprehensive credit assessment by the lending institution, which establishes a confirmed maximum loan amount for property purchasing endeavors. It strengthens your negotiating position at auctions and increases vendor confidence in private treaty transactions.