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We have a proven track record as mortgage brokers in Brisbane of successfully guiding our clients through every stage of the home loan application process. Our experienced brokers support first home buyers, clients buying investment property, and existing homeowners looking for better terms and interest rates. As an independent mortgage broker, we have access to the products of multiple lenders, which is why we are able to find the right lender for you.
We are a mortgage broker Brisbane home buyers can turn to with confidence. Our experience in the finance industry means we deal with banks and other lenders every day, so we know what financial institutions require in order to provide home loan pre-approval.
In addition, we make sure we have a complete understanding of your financial situation prior to applying for a home loan so that your loan application meets lenders' criteria, as this significantly increases the likelihood of being approved.
You also benefit from our expert personal advice as we guide you through the whole loan process, ensuring that we are able to achieve the sort of approval rates any Brisbane mortgage broker would be proud of.
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Our experience in mortgage broking means we know the home loan and lending policies of banks and financial institutions inside out. From the moment we begin your home loan application, we work to match you with lenders who offer suitable loans for your needs and circumstances, making it much more likely that you receive pre-approval.
The best mortgage brokers are the ones who are able to devise a home loan solution that is right for you, and our experience as mortgage broker and finance specialists means we have the requisite knowledge of the products on offer across all sectors of the Brisbane home and investment loans market.
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We are a highly experienced mortgage broker Brisbane buyers and investors have come to rely on for our high quality, impartial financial and personal advice. As an independent mortgage broker, we are not limited in the range of products or providers we can access, which means we can always find the right loan, lender and interest rate for you.
Our aim is always to find you the best home loan with the most competitive rates that is suited to your individual needs and financial circumstances, which is why when McIntyre Finance helps you to apply for a mortgage on a property in Brisbane city or beyond, you are much more likely to have your loan approved.
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When you work with our Brisbane mortgage broker team, you are much more likely to have a loan application approved. We match you with the right lender given your financial situation and needs, and help ensure that you submit all the documents required in the best way possible. In this way, not only do we help you find the best deal, but also give you a much better chance of having your loan approved.
The reason why we are rated such a good mortgage broker by so many of our clients is our ability to offer new and exisiting home owners a complete lending solution with the right loan at competitive rates — and for making the entire process stress free. We are proud that clients consistently recommend us as a mortgage broker Brisbane buyers can trust to find them the particular product they need with an interest rate to match.
Our extensive mortgage broking experience means that we can consistently offer our Brisbane clients access to the right loan products. We can do this because, as independent mortgage brokers we have direct access to the home loans of more than 45 banks and lenders, and so can match our clients with the right lender and product, and get them mortgage pre-approval without delay.
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The first stage in making a loan application is to meet with a McIntyre Finance specialist mortgage broker (Brisbane based), so we can get a clear understanding of your current circumstances, financial needs and the sort of property you are looking to buy. This enables our finance specialists to begin the process of finding the home loan that is right for you.
We work with first home buyers, home owners looking to refinance, and anyone in the market for an investment property. Our mortgage brokers are able to access the home loans of more than 45 Australian banks and lenders, and so regardless of whether you're looking for a new loan or to refinance an existing loan, we work with you to find the best deal for your specific needs. In addition, as independent mortgage brokers Brisbane wide, we don't just deal with one bank but rather a variety of different lenders, so we are able to obtain highly competitive interest rates and solutions for our clients from a variety of institutions.
We make sure that we match you with banks and institutions that have the right lending policies for your needs. This is important because it means you are not wasting your time by applying for a loan from a lender who is unlikely to approve it. Working with a mortgage broker will therefore help you to obtain pre-approval as quickly and efficiently as possible.
Loan pre-approval is important because it gives you a clear indication as to the amount of money you can borrow. This ultimately saves you time during your house search, as it means you don’t waste time looking at properties that are beyond your reach financially; instead, you can get on with the business of searching for your dream home or investment property with confidence, knowing how much you can borrow.
If you're a first home buyer, or even an experienced investor, the many different varieties of home loan on the market today as well as bank approval policies can make it a bit daunting to decide which are suitable loans for your goals and circumstances.
When you work with one of our mortgage broker Brisbane specialists, we can give you the benefit of our professional, personal advice on the merits of different home loans available, and what will work best for you. In addition, we will provide you with a relevant product disclosure statement, as required.
Buying property can be a lifelong commitment, and so ensuring that your mortgage offers you the best deal and is unquestionably in your best interests, both now and into the future, is crucial.
Why use a mortgage broker rather than organise a loan myself? Banks and other big lenders generally don't have the time or inclination to offer the same levels of personalised service as a Brisbane mortgage broker. We get to know you, your financial needs and your goals first, and only when we have a good understanding of your current circumstances and what you want to achieve do we begin the loan application process, in order to make sure that any home loan will meet your needs now and into the future.
Unlike banks, as a mortgage broker with an Australian credit licence, we can give you access to loans from a variety of lenders rather than just a particular product. In this way, you are able to assess a much wider range of loan products and so ensure that you are getting the best deal in the market, not just the loans offered by a single lender or institution.
In addition, we know how important it is to get pre approval for a mortgage quickly, and so we we work hard on your behalf to ensure that your loan application is considered and approved by your lender as swiftly as possible.
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As we regularly work with a wide range of Australian lenders, we know what specific institutions require in terms of documentation and information about your individual circumstances in order to approve a loan. This means we can provide professional advice to match you with appropriate lenders that will give you pre-approval as soon as possible.
Pre-approval is important because it means you have a clear indication as to how much you can borrow, so you don't waste time or miss opportunities by looking at properties that are beyond your reach.
To ensure you are able to get approval as quickly as possible, our mortgage brokers will guide you through the loan process and help you collate and complete the relevant documentation needed. We can also arrange a valuation of the property for you, as this is an essential part of the loan application process.
At the outset of the loan application process, we can provide you with professional advice and guidance on how much you are likely to be able to borrow, based on your current financial situation and commitments, in order to make the pre-approval process as quick and efficient as possible.
Once pre-approval has been given, you are then in a position to search for property that is within your price range, saving you time and avoiding the disappointment of finding a property in Brisbane city or elsewhere you like, but not being able to secure it.
Everyone is different, as are their home loan requirements, so the most important feature of any loan is that it works for you and your financial goals and circumstances.
For instance, you need to consider whether the loan has fixed or variable rates, and which of these works best for you. You should also think about whether you need a redraw facility or offset account with the loan.
You should also look at any benefits that you accrue if you make additional loan repayments, and whether this attracts any fees or charges.
Our mortgage brokers will help you to explore the relative merits of different home loans on the market, so that you can select a loan that works for you. We look beyond just the rate of interest to determine what sort of home loans are going to be most beneficial in your circumstances, and provide you with advice and guidance at every stage of making an application.
Wherever you are located in Brisbane, Qld or beyond, we are here to offer personal advice and guidance on every aspect of gaining pre-approval for a home loan. To help do this, we are flexible with regard to appointments, and are happy to provide online meetings using platforms such as Zoom, Microsoft Teams and Google Hangouts.
This means you can meet with a mortgage broker in Brisbane and access specialist home loan advice at a time and place that works for you.
A significant benefit of working in partnership with a mortgage broker is that we will conduct regular reviews of your home loan to ensure that it is continuing to meet your needs. We constantly monitor your loan in the light of changes in interest rates and the overall financial climate to ensure that you always have the right loan with the right lender.
If there are products available that better suits your needs, we can provide professional advice and guide you through the entire process of moving lenders, getting a refinance loan, or taking out a new loan to buy an investment property
We make sure that we match you with banks and institutions that have the right lending policies for your needs. This is important because it means you are not wasting your time by applying for a loan from a lender who is unlikely to approve it. Working with a mortgage broker will therefore help you to obtain pre approval as quickly and efficiently as possible.
Loan pre-approval is important because it gives you a clear indication as to the amount of money you can borrow. This ultimately saves you time during your house search, as it means you don’t waste time looking at properties that are beyond your reach financially; instead, you can get on with the business of searching for your dream home or investment property with confidence, knowing how much you can borrow.
We have unrivalled knowledge of the home loan process and what is required to get pre-approval for a mortgage.
However, we also understand that the language surrounding home loans is not always straightforward, and so we give you clear and simple professional advice about the specific terms of any relevant product disclosure statement so that you are able to have a full picture of what it mean for you in real terms, and why any home loan proposal represents the best deal for you.
Your Brisbane mortgage broker will also help to make the entire process easier for you by providing flexible meeting arrangements that fit around your schedule.
We work with first home buyers as well as existing home owners and experienced investors to find the best deal, the right lender and the most suitable home loan based on your specific financial needs and circumstances.
Therefore, we are confident that you will benefit from working with McIntyre Finance, whatever stage you have reached in your home loan journey.
First home buyers can sometimes find it challenging to understand how to complete a home loan application, or the benefits and drawbacks of the many different types of loans that are available.
Our mortgage brokers are specialists in providing professional advice geared towards the needs of first home buyers, and are committed to making the loan process as stress free and enjoyable as possible.
From helping you to get pre-approval, to assisting you in getting a property valued, to being there at settlement and handing over the keys, you can count on us to give you advice that means you are fully informed about every aspect of your mortgage, and that it is the right loan for your lifestyle.
We regularly deal with more than 45 different leading banks and financial institutions in Australia, including independent specialist lenders based in Brisbane and beyond, which means we can write a wide variety of loans at competitive rates designed specifically for first home buyers.
There are a number of different loan options available to first home buyers, but we can provide you with extremely helpful expert advice to help you choose the right loan based on your specific needs.
Some of the options open to first home buyers include:
• Fixed Rate Home Loans
• Variable Rate Home Loans
• Interest Only Home Loans
• Split Home Loans
• Low-doc Home Loans
People choose to move for a variety of reasons, and very often require additional finance in order to make it happen. Whether you are upgrading, downsizing or looking to buy an investment property, we can write a range of different home loans from lenders both large and small that will help you move to a new property in Brisbane city or elsewhere, including:
• Standard Home Loans
• Portable Home Loans
• Bridging Home Loans
Although home loans are generally a long-term commitment, the days of home owners remaining with the same lender for the duration of a mortgage are largely gone.
It is now more common than ever to change your lender to find a loan product with lower interest rates or which better suits your changed circumstances. Our Brisbane mortgage brokers can provide you with expert advice on the ways in which a refinance loan can help you to achieve your goals.
For instance, a refinance loan can assist with debt consolidation, with a new loan being used to repay outstanding personal loans, car loans or credit card balances, as home loan interest rates are significantly lower than those charged for other forms of finance.
A refinance loan can also mean lower monthly repayments, freeing up cash that you can use to finance the purchase of an investment property, or for any other purpose.
If you’re considering investing in property, there are a number of different types of investment home loans from which to choose, provided by a range of financial institutions and lenders. We can help you to find the right investment loan to match your financial goals, resources and lifestyle.
Some of the options on the market include:
• Investing through a Self-Managed Super Fund
• Interest Only Home Loans
• Standard Variable Rate Home Loans
• Standard Fixed Rate Home Loans
• Construction Home Loans
Being self-employed can sometimes be a barrier to obtaining a home loan; however, when you work with a mortgage broker, Brisbane home buyers who run their own business are generally still able to get a loan that offers competitive interest rates.
We regularly work with lenders who understand that people who are self-employed might not necessarily have the same quantity or quality of documentation that is normally required, but will nevertheless still usually consider you for pre-approval for what are often referred to as low-doc home loans.
However, it will generally be the case that you'll be limited to borrowing a maximum of 80% of the value of the property (LVR).
There are a number of different ways in which you can run up a poor credit history; however, this does not automatically preclude you from getting a home loan.
Our mortgage broker team works regularly with specialist lenders who are prepared to look at individual cases and circumstances, and who provide unconventional home loans for those with less than perfect credit histories.
We can guide you through what is required in a home loan application to obtain a bad credit or low-doc loan, and give you expert advice on the full range of documents and statements needed to support your application.
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The key quality of a good broker is that they make getting a home loan and buying property as straightforward and stress-free as possible. At McIntyre Finance, we do this by ensuring we are always acting in your best interest, not that of the lender. That's why we place such an emphasis on developing a close working relationship with our clients, as in order to achieve the best outcomes we need to have a full understanding of your current financial situation and your goals moving forward.
This means that if there are any potential issues that might cause difficulties or a delay in receiving approval for a home loan, we ensure that these are resolved at the beginning of the process. This enables us to make a home loan application on your behalf that is likely to meet an institution's lending policies, thereby increasing the chances of having your application for a loan approved, as well as saving you time, expense and inconvenience. Putting your interests first also means giving you access to the home loans of multiple lenders, not just a particular product that a lender might want to promote.
At the same time, a good mortgage broker Brisbane buyers can trust and rely on is one who offers you advice and guidance without putting you under any pressure. Our finance specialists will present you with a relevant product disclosure statement (PDS) that we think represents the best deal, but you will always have complete freedom to make the final decision that you think is the right one for you. In addition, a professional and helpful mortgage broker in Brisbane will continue to act in your best interests long after your home loan has been set up.
At McIntyre Finance, we pride ourselves on the long lasting relationships we have been able to establish with our clients over the years, and we will conduct regular health checks on your loan (e.g., is this still the best possible interest rate), and whether your home loan is continuing to meet your needs.
Searching online is naturally a quick and convenient way of finding a mortgage broker, but this does not automatically enable you to assess their record or performance. However, there are other indicators as to whether a mortgage broker in Brisbane city is one who has the experience and expertise to meet your needs.
At McIntyre Finance, we are proud of the numerous reviews and recommendations we have received from clients across a wide variety of online platforms and on our website. These are all genuine testimonials from clients who we have helped to successfully apply for a new loan or to refinance an existing home loan to purchase all types of property in Brisbane city and beyond. In our view, however, the best way to assess a mortgage broker is to meet with them in person (or online, if that is easier).
We are always happy to talk to potential new clients about our full range of mortgage broker Brisbane services, and the steps we take to deliver the best possible outcomes when arranging your home loan.
We are proud that we are a mortgage broker Brisbane home buyers are so willing to recommend to others who are in the market for a home loan. Whether it's supporting first home buyers, writing loans for investors, or helping home owners to refinance in order to move or upgrade, we pride ourselves on finding the best loan for you.
What's more, we are committed to our clients and building relationships that last beyond the initial organising of a loan. As professional and experienced mortgage brokers with an Australian credit licence, we have set ourselves very high standards in terms of reviewing home loan applications at the initial stage, ensuring that we identify any potential problems or issues before we submit an application.
This is why we have been able to achieve such an impressively low loan application rejection rate of 3% (significantly lower than the industry average not just in Brisbane city, but across all of Australia).
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