When applying for a mortgage you want to be sure that you get a loan at an excellent interest rate. You also want to be sure that the home loan you secure offers you the level of flexibility that you’re happy with. Not only that, you want to make sure that it doesn’t offer any nasty exit penalties either.

With that, it makes sense then to get a mortgage quote before you make a decision. You can do that online or you can speak with one of our Wealth Concerns mortgage brokers.

Here are some of the key features that a Mortgage Quote compares

Interest rates that are available to you. Often published interest rates from the Banks aren’t an accurate indication of the interest rate that you can secure. You may be able to secure a lower interest rate depending on your situation or it may be higher if you need to arrange a non-conforming loan.
Exit penalties if you refinance or end the loan within a certain period of time
Borrowing capacity which is based on your income and expenses. This gives you a great idea of which properties you can afford to buy
Loan features and flexibility
The right type of loan for your financial situation – variable vs fixed, interest only vs principal and interest, line-of-credit, offset accounts, professional loan package, LoDoc loans, non-conforming loans, split loans and more.

You’ll find various websites have mortgage calculators which enable you to get a rough picture of what repayments might be on a certain value loan or what your borrowing capacity is. These are a great starting point to give you a rough ballpark figure.

A Mortgage Quote performed by a Wealth Concerns mortgage broker ensures that you get the right home loan for your individual needs. Before making this recommendation, your broker will ask you questions about the purpose of the loan, your borrowing history, your needs in a few years time, your income levels and current monthly expenses, your credit history, identification and more. From there, they’ll make an assessment as to the right type of home loan for your needs.

As part of this mortgage quote, your Wealth Concerns mortgage broker will provide you with details on:

Monthly mortgage repayment amounts
Your borrowing capacity
Establishment costs including Lender’s Mortgage Insurance and other fees
Other terms and conditions on offer

Contact Us

If you would like to discuss your specific circumstances call us on 1300 700 496 or alternatively text your name and number to 0411 320 962 and we will call you.

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