Try our FREE online calculators

If you’d like assistance, please contact us and we’d be happy to help.

Calculator

View more calculators

Go!

Why you need a broker when sourcing a home loan

Why you need a Broker for your Home Loan

Choosing the right home loan can be time-consuming and taxing. Searching for loans, finding the right deal, and making sure the loan has all the features you need is not always easy. That’s where a mortgage broker comes in. A broker can search for loans, negotiate the right deal and talk you through the paperwork – so you can find the right home loan, without the hassle.

Talking it through

When you search for home loans online, you can find a range of loans, but you don’t always know what’s right for you. A broker can talk through what’s available, what features you may need, and explain anything you don’t understand. They can also help you work out how much you can afford to borrow, and help you work out an affordable repayment schedule.

Helping you decide

Do you need a redraw facility? Do you want an offset account? Is a honeymoon loan right for you? A broker can help you decide what features you need – and what features you don’t need – so you find a home loan that provides everything you need, and you don’t end up paying more than necessary.

Searching for home loans

Searching for home loans can take time, even if you use a comparison site and a home loan calculator. A broker has in-depth knowledge of the home loans market, and can search for loans for you. This saves you time and effort, and it may allow you access to loans you wouldn’t have access to as a consumer. Brokers use their skills and experience to find the loans that best suit your needs, saving you the time and hassle of looking.

Breaking it down

Once your broker has provided you with a shortlist of home loans, they can talk through each option to help find the best one for your needs and your circumstances. Comparing loans online isn’t always easy, and it can be difficult comparing what each lender has to offer, how much each home loan costs, and understanding the small print on each loan. A broker makes this process easier, helping you to make the best choice.

Negotiating your loan

While some people are skilled negotiators, others find negotiating difficult or uncomfortable. A broker may be able to negotiate a better deal on your home loan, using their skills, experience and relationships with lenders to get what you need, at the lowest possible price.

Liaising

When you buy a house, there are usually a number of parties involved. Liaising with each party can be demanding and extremely time-consuming. A broker can liaise with your solicitor, your conveyancer and your lender to make sure lines of communication are kept open, and that all paperwork is completed on time.

Working on the paperwork

One thing there is no lack of in the home loan application process is paperwork. Making sure you complete all paperwork correctly can be stressful. A broker can help guide you through the application process, ensuring all paperwork is completed properly, and all required documentation is provided. This can make the application process run smoother, helping you into your new house sooner.

Lend Me – Home Loan Brokers – Perth, Western Australia

How we've helped our clients...

"Starting up a new business isn’t easy, with so many things to think about it can be quite a stressful process. With the services of Lend Me Asset Finance and Locate Me, they have really helped to take this stress away in the way of meeting me on my job sites to sign documents and dealing directly with the Car Dealers, Bobcat Dealers and even my accountant.

The guys at Lend Me really do take the time to listen to what you are after and work in to suit you and make the transaction so simple and convenient, I can’t thank them enough! I’ve also recommended their services to 3 friends already and have only had good feedback. Lend Me have certainly gained a client for life! Reece"

"Hi there, Saturday just gone, I picked up my dream car, a 2013 black lancer LX.

I'd like to take this chance to say Lend Me Car Loan customer service was by the far the best I have ever received. What I thought was going to be tough work turned out to be the opposite. The process easy, simple and quick for me, she did the hard yards... I will be recommending friends and family... Thanks again! Regards, Stephanie"

I just wanted to say thank you... This has been the smoothest process. You and the other girls I dealt with at Lend Me Home Loans were so friendly and so efficient with everything, I felt like I was the only customer you were dealing with.

I will definitely be raving on to loads of people about Lend Me and the great service you provide.

I am stoked, this will take so much pressure off and will seriously change our lives... we can actually get ahead on payments and start saving some more money.

Thanks again, Kath :)

"Emily & I just want to take this opportunity to say a very big thank you for seeing us through our first home purchase and home loan, you have been a massive help not to mention getting us out of a sticky situation. We will definitely be in touch in the near future and will refer/recommend you to our family & friends if looking out for a friendly, helpful and reliable mortgage broker.

Take care and speak soon. Matt & Emily" 

Get in touch with us