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Need a Mortgage Broker in Bull Creek?

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Need a Mortgage Broker in Bull Creek?

[/vc_column_text][vc_column_text]If you are looking for an experienced and knowledgeable Mortgage Broker in Bull Creek, we are here to help. Call Mortgage Perth today for more information on 08 6279 1459 and let us assist you with your mortgage and finance needs or complete the simple online Get In Touch Form.

Mortgage Perth
Address: 212 Whatley Crescent, Maylands WA 6051
Phone: (08) 6279 1459
https://www.mortgageperth.com

At Mortgage Perth, we will listen to your specific situation and individual requirements and connect you with an experienced mortgage broker: A broker who will be able to guide you through the sometimes complex process of financing your home ownership dreams and offer you professional credit advice. This is because, every loan company, including the major four banks, second-tier loan providers and specialist loan companies, provide different products with different features and only a few of these will provide you with a loan product that will suit your specific financial situation.[/vc_column_text][vc_column_text]

Why use a Mortgage Broker in Bull Creek?

[/vc_column_text][vc_column_text]Armed with extensive and current industry knowledge, our qualified credit advisors will use their expertise to assist you by researching the huge range of mortgage products available on the market to find one which best suits your needs. This is unlike a traditional bank lender who is limited to the options on offer from their own organization.

This means that when the time comes for you to choose a mortgage product, our mortgage brokers may often provide you with several options, recommending a specific mortgage product that best matches your needs.

All our mortgage brokers / credit advisors are licensed active members with the MFAA (Mortgage & Finance Association of Australia) and or members of FBAA (Finance Brokers Association of Australia).

As approved Mortgage Brokers have to fulfill higher education and professional development requirements as well as industry legislation requirements, they regularly attend training and development courses run by the MFAA and the FBAA. They are also answerable to the industry Tribunal, which imposes fees and penalties on members who are found to have breached the Code of Practice.  Our Credit Advisers receive outstanding industry support and resources, making Mortgage Perth the best choice for your mortgage and finance needs.[/vc_column_text][vc_column_text]

Who pays your Mortgage Broker from Bull Creek?

[/vc_column_text][vc_column_text]All mortgage brokers earn commissions for their work on your behalf. Whether you choose to use a mortgage broker or a bank lender, the person who guides you through the process and facilitates your home loan gains a commission for their service.

So what is the difference between bank lenders and mortgage brokers? A bank lender will only be able to provide you one of their organization’s loans. In comparison, a Mortgage Perth mortgage broker / credit advisor can give you the power to choose because all brokers have a broad selection of lenders from which they source loans. This provides you with a wider range of choices to ultimately give you the best solution for your requirements.[/vc_column_text][vc_column_text]

Refinancing, buying an investment property or a small business?

[/vc_column_text][vc_column_text]Mortgage Perth can help. If you’re thinking about refinancing in the future, contact Mortgage Perth and we’ll research possible options for you as your financial requirements or personal circumstances may have changed over time.

So if you are looking for an authorized, experienced professional to assist you with your property or business financing, Mortgage Perth‘s MFAA Approved Mortgage Brokers / Credit Advisers are here to help.[/vc_column_text][vc_column_text]

Questions to ask Your Mortgage Broker

[/vc_column_text][vc_column_text]Here are some questions you may want to ask your broker:

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Seven Insider Secrets from Your Mortgage Broker in Bull Creek

[/vc_column_text][vc_column_text]Regardless of whether you’re borrowing for your future home, funding your investment property, refinancing or trying to obtain your first home loan, Mortgage Perth‘s seasoned mortgage brokers can help. Our brokers have dealt with a diverse range of client loan applications, which means they have a wealth of experience and understand the key insider secrets to help you avoid having your application declined by the banks so you are more likely to get your loan approved.

  1. Be Prepared – Have all of your documentation ready and available to avoid delays or issues with your application. If you are not sure what’s required, ask your mortgage broker and never apply for a loan if you’re not well prepared.
  2. Changing Your Job Could Have an Impact – If you know that you’re going to apply for a loan over the next 3, 6 or even 12 months do not change jobs, cut your hours, go casual or temporary, switch businesses, or suddenly start a new company. Lenders like stability and a steady track record and will request evidence of continual employment as well as business results of up to 2 years, if self-employed.
  3. Don’t Hide Anything – Do not, under any circumstance, lie, fib, omit details or fail to include relevant financial information on your application. Because the banks will find out and they do not like discrepancies, surprises or deceitful applicants.
  4. Don’t Check Your Credit Score – Banks do their own internal credit scoring on each loan applicant and it’s a little known fact but every credit enquiry you make registers as a negative mark against your credit score. So avoid making credit enquiries as this is not viewed favourably. Instead, have your broker do this on your behalf as this will not impact your credit history.
  5. Your History Counts – Banks see past behaviour as a good predictor for the future and with centralised credit analysis everything counts. So maintain a good credit rating at all costs. Which means paying your loans, bills and credit cards on time, as well as not exceeding your credit limits and demonstrating proof of savings. Banks will check up to 12 months of your statements and your credit history to verify this.
  6. Take Care With Your Spending – Be mindful of your spending habits and keep them clean for a minimum of 6 months prior to applying. Lenders do not like seeing questionable spending on credit or debit cards such as regular withdrawals of cash at the Casino, which could indicate a gambling issue, or constant large purchases from liquor outlets, which could demonstrate a drinking problem. Also, don’t suddenly open new credit card accounts or spend erratically.
  7. Different Strokes for Different Folks – Understand that not all lenders are the same. In fact, some lenders specialise in different areas of lending. This means that just because you have your own business, are self-employed or had an issue with credit in the past that you won’t be approved. Speak with your broker and explain your situation so they can recommend the most suitable lender.

[/vc_column_text][vc_column_text]Give Mortgage Perth a call today on 08 6279 1459 or complete the simple online Get In Touch form at the top of this page or go to our Contact Us page if you would like more information or advice on getting finance in Bull Creek and surrounding suburbs.[/vc_column_text][vc_single_image image=”775″ img_size=”full” alignment=”right” onclick=”custom_link” link=”tel:0862791459″][vc_empty_space height=”20px”][/vc_column][vc_column width=”1/12″][/vc_column][vc_column width=”1/4″ css=”.vc_custom_1554702569016{background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}”][vc_row_inner css=”.vc_custom_1554702578040{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #002937 !important;}”][vc_column_inner][vc_custom_heading text=”Get In Touch” font_container=”tag:h4|text_align:left|color:%23ffffff” use_theme_fonts=”yes” css=”.vc_custom_1554702309111{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: -20px !important;}”][gravityform id=”16″ title=”false” description=”false” ajax=”false”][/vc_column_inner][/vc_row_inner][vc_row_inner css=”.vc_custom_1554702015502{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f9f9f9 !important;}”][vc_column_inner][vc_single_image image=”6058″ img_size=”307×249″ alignment=”center” css=”.vc_custom_1554700729719{margin-bottom: 0px !important;padding-bottom: 10px !important;}”][vc_column_text css=”.vc_custom_1554700807210{margin-bottom: 0px !important;padding-bottom: 0px !important;}”]

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