We are currently experiencing an unprecedented time with Home Loan Lending. Home Loan Rates are at historic lows, but what do you need to know to make sure that you are getting the best deal? Or is it a case of who you know and not what you know?
There has been alot of noise in the media around the wrong doings within some of the major banks over recent times. This has given some consumers a lack of confidence in “the system” across the board. Who can you trust? Who is on your side? Who is in your corner for the long-term future of your family and or your business?
If you have the right Finance Broker in your corner, you can gain access to non-biased, qualified advice from someone who lives and breathes finance 24/7. The right Finance Broker will be flexible with their schedule, so you can rest easy knowing they will be available when your time permits. They will give you their direct contact details incase you have questions or queries.
It has to be said that it is hard enough to keep up with the changes in lending policy and which financiers are offering the best deals when you live it every day as a Finance Broker, let alone when you only need to think about it every couple of years or so as a consumer.
So, outside of getting the very best loan approval for their Clients, what does a Fox Home Loans Finance Broker do?
Here are just a few of the things that an Accredited Fox Home Loans Finance Broker will do day to day to ensure that they can offer the best advice suited to you;
Touch base with their clients on a regular basis to ensure that they still have the most competitive loan set up on the market today and offer suggestions of how they could save you money and help you pay off your home or investment sooner.
Negotiate with a number of Lenders to ensure that their client is receiving the very best home loan deal on the market that meets their needs.
Speak with clients investing in their first home or an investment property to help them work through a budget and work out what their lending capacity could be before they hit the open homes on the weekend.
Speak with Clients about their upcoming purchases and what their lending criteria would be for their home loan, investment or commercial purchase.
Have discussions with customers to help them work through what’s involved in consolidating some of their debts into one easy repayment to reduce their weekly loan commitments and potentially save them money in the process.
Speak with their partnered Financial Planner about a Client’s scenario around superannuation and life insurance policies so they can jointly work out ways to plan for retirement, better protect their Client and their family, protect their assets and hopefully save them money along the way.
Keep updated on any new Lenders hitting the market and any new products being offered by Financiers – there could literally be hundreds of loan options available.
Study which Lenders have tweaked their lending criteria to target a specific demographic within the market – a Lender’s appetite can change monthly and if understood properly could save a Client thousands of dollars.
Attending Personal Development sessions to improve their knowledge and expertise within a certain industry, for example Reverse Mortgages, Home Re-finance, SMSF Lending or to find out which Banks are offering deals on Standard Fixed Home Loan Rates today.
A good Finance Broker understands that their Client’s needs are changing and just being an experienced Finance Broker isn’t enough to ensure that you can offer the best and most relevant advice today.
The team at Fox Home Loans have spent more than a decade building up their high performing team of industry experts so that you can rest assured that your best interests are at the heart of everything we do. You are also assured that you will always receive the best quality advice available not only today but also long into the future.
Ask yourself these questions:
1) Do you have future aspirations and plans in place to build on your family’s wealth, so that you can retire comfortably?
2) Do you have plans to buy your first home or maybe upgrade / downsize from your current principal place of residence?
3) Are your current weekly commitments holding you out of the property market?
4) Do You Have Someone Experienced in Your Corner?
Fox Property Finance is one of Australia’s leading personalised financial service organisations. We have spent years getting things right so that you can rest assured that you are getting the very best financial advice available on the market today. We work for you, not the banks, plus we can have a loan pre-approved ready to go the same day!
As a Fox Property Finance Client, you have access to your very own Accredited Loan Specialist along with access to your very own Qualified Financial Planner. Our team comprises of specialists with many years’ experience in Home Loans, Investment Property Finance and more.
We pride ourselves on the unique personalised service that we provide our Clients. Your Loan Specialist can help you either over the phone, via email, at your home, at your work or at your own business. You get their direct contact details, which makes it easy for you to stay in contact with them when you have questions.
If you are keen to learn more or you are ready to act now, you can contact us on 1300 665 906 or you can get started here.