Gold Coast’s Award Winning Mortgage Brokers.

A Mortgage Broker makes it easier for you to get a Home Loan and importantly, give you Home Loan advice you will not get going direct to your bank.

We are not restricted to just one bank – we offer choice from many, many banks.

Going straight to a bank means they can only give you the two or three loans that they sell.

As Mortgage Broker’s, we have access to over 40 banks in Australia, so we can find you the right home loan for your needs.

We make it easier for you as we organise a lot of the Home Loan application and liaison with the bank on your behalf.

One of the biggest benefits I believe, we as Mortgage Broker’s offer, is the advice and hand holding you get.

All the time we keep you informed. The whole process is managed by us.

There are three main reasons why I believe using  a Mortgage Broker is beneficial over going to a bank.

The single biggest reason most people use a Mortgage Broker, is you get access to Home Loans from over 40 different banks and lenders.

Rather than contacting multiple banks yourself to find the latest deals, we use our leading edge software platform to do the work.

Going to the local bank yourself means you are only seeing the handful of Home Loans on offer from a single bank.

Secondly, the whole process is managed by us, including the application form and all the follow up with the bank and your solicitor as required.

And finally, we give you generous amounts of advice to help you get ahead financially.  Home Loans are more complicated these days so making sure yours is set up correctly and you are managing correctly is vital.

I also advise my clients on the steps to make an offer on a property, how to negotiate with a real estate agent and have my circle of trusted solicitors and building and pest inspectors who you can use.

Compare this high level of customer service and advice to what you receive from the bank, and I think you would agree that using a Mortgage Broker is more beneficial for you.

It costs you nothing to use a Mortgage Broker.

Mortgage Brokers get paid by your lender at the settlement of a Home Loan.

Lenders pay Mortgage Brokers in the background in the same way that they would pay their local Brisbane branch staff in the background.

The client isn’t expected to pay the branch clerk when they go and see them, just like we don’t expect them to pay us directly.

So what that means is that we as your Mortgage Brokers don’t get paid unless we get you a home loan that’s approved.

The length of time it takes to get a home loan approved varies considerably depending on the lender you use and how complex your situation is.

We find it takes around 1 to 7 days for most people to provide us with their paperwork (depending on how organised you are)!

From here we can usually get your home loan application prepared, signed and submitted to the lender for approval within 1 to 2 weeks.

Once the the bank has your application, the time it takes comes down to the queue’s they have and this can vary from 1 day to several weeks or more.

We are in touch with the lenders regularly following up on your behalf to ensure your home loan is approved as quickly as possible.

As soon as your loan is approved you will hear from us directly.

One of the biggest benefits you will get from using a good Mortgage Broker, is the quality advice.

One of the backbone’s of Blackk Mortgage Brokers is financial education. My mother was a school teacher and I grew up hearing a lot about learning which is probably why I love it.

You can expect advice on how to get finance ready to buy property, how to make an offer to buy a home and importantly how to structure and manage your home loan.

I believe in paying off your home loan sooner, so every client receives a plan to pay down their debts sooner.

If you are building or buying off the plan, your first home in the Sunshine State, then you may be eligible for the grant. See this post which goes through the eligibility criteria in more detail.

Having a look through our website, and watching some of my video’s is a great way to see what we are about at Blackk Finance.

If you would like to get a better feel for how I can help, I recommend booking a free 15 minute call with me here.

We cover the initial questions you may want to know, like how much you can borrow, what deposit you need saved and what the next steps are in the process to buy a home.

Once you have made an offer on a property, we get the ball rolling, by giving you a secure online portal to upload your paperwork too, and a link to an online questionnaire where you provide your personal and financial information.