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Mortgage Brokers Point Cook
Making loans simple - our services are 100% free.
It doesn't matter if you're buying your first ever home, building your property portfolio or even looking to consolidate your debts and refinancing, Point Cook Mortgage Brokers can help you find the best financial solution for you. We consider ourselves market leaders in finding the best financial solutions for our clients. Often the most damage caused for a financial loss, is a decision made without the correct knowledge and information. That's where we come in, to help educate and guide you throughout the entire journey, while taking care of every aspect of the application process.
What's best is that we don't charge you any fees. We're paid a commission by the lender that you ultimately choose to go with, and ensure our clients are provided with only the best deals that benefit them. We're always paid the same rate from any lender who you choose to settle with, so that means we'll always have your best interests at heart. We'll find the best loan package solutions with the most competitive interest rates and value for you, where we can receive negotiated rates through our own channels.
We ensure that we find the best rates on mortgages in Melbourne, and we understand that things like purchasing a home, is one of the biggest financial decisions we make. Therefore, it is highly recommended you speak to an expert mortgage broker specialist who can provide an entire overview and breakdown of everything from start to finish.
Are you..
Your Point Cook mortgage broker
We’ve been operating in Point Cook and serving Melbourne’s West over several years. We’re a small boutique business that is always flexible and will always provide you with a personal experience.
We’re always to come out to you and visit at any time, and that’s what we pride ourselves upon; and that’s our customer service.
Our Happy Clients!
Dennis was excellent throughout the whole home buying process. Attentive and professional in every aspect. I highly recommend Point Cook Mortgage Brokers especially if you are new to the buyers market.Isabelle Axel2022-05-12Dennis is very helpful and took the effort to explain everything I need to know. I find him very approachable and friendly to deal with. He knows the products well and I would recommend him to anyone who needs refinancing.Gina Hopper2022-04-22Really great to work with Dennis for our first ever home loan. Being rookies we were a little clueless but Dennis made every step clear and as painless and possible. We hope to expand our property portfolio and will be using Dennis for our future endeavours!Cummins Pattinson2022-04-16The service and expertise Dennis and his team provided when buying my new car was fantastic, he made the process easy for me to understand I would highly recommend her services to anyone."Adam Payne2022-04-14Dennis has provided us with timely response to all our questions in regards to obtaining construction loan for our house. He has always been very efficient, helpful and polite.Emily Jones2022-04-06Great customer service! I highly recommend. Thank youNithya Thennakoon2020-06-11
Why Use A Mortgage Broker?
Simple, we do all the work for you. You also get expert advice on the best options available to you, and we do all of this for you. You won't need to do the research yourself, we have the processes and systems to be able to find you the most competitive mortgage that suits you best. Best of all - it is completely free! What's there to lose?!
There's a large amount of mortgage products that are available out in the market. What makes it more confusing is that these are constantly updating and changing, to adapt to a constantly evolving environment. Our job as your Mortgage Broker is to firstly understand what your financial goal is. We then find the right loan product that will provide the best value and serve your strategy best, by assessing your financial health and long-term goals. Once we find a suitable option for you, our service is an end to end offering, meaning that we help you go from the start of the loan approval process, all the way to the final stage of receiving your loan from the bank, without you even needing to get up from your desk.
We simply eliminate any of the guesswork of choosing both the right lender and the right loan, and quite often - we have access to special rates for your benefit. We'll also make sure all parts of the loan are fully transparent and easy to understand for you - which we're more than happy to break down.
If you want a personal service, that is friendly and committed - look no further.
Your personalised Mortgage Broker service in Point Cook.
We always provide the most competitive rates, combined with expert guidance and take care of the entire loan process for you.
We do our best to understand your financial situation, and provide a tailored solution that will suit you best. The biggest mistake many individuals make is that they only consider the bank that they have always been with – without knowing the other financial services that may suit them a lot better, providing much more value to them.
We care about saving you money on your home or investment loans, and ensure you get the most competitive loan that is currently available on the market. We are committed to being fully available to you, and therefore we’re with you every step of the way.
First Home Loan Deposit Scheme
The race is on for limited spots in the federal government's First Home Loan Deposit Scheme, which has commenced once again from 1 July 2020. You can save up to $10,000 by voiding Lender's Mortgage Insurance (LMI).
The scheme allows eligible first home buyers with only a 5% deposit to purchase a property without paying for LMI – which can save you up to $10,000. There are only 10,000 spots available this financial year.
What is the First Home Loan Deposit Scheme?
Usually, first home buyers who want to have a deposit of less than 20%, would have to pay for LMI when taking out a home loan. However, under the federal government’s First Home Loan Deposit Scheme, eligible first home buyers with only a 5% deposit can purchase a property without having to pay for LMI.
Make sure to contact Point Cook Mortgage Brokers about the First Home Loan Deposit Scheme!
If you’re thinking about purchasing your first home soon and are considering applying for this scheme – give us a call today.
While 10,000 spots might sound like a lot, the starter’s gun has already gone off and hundreds of first home buyers could apply for the scheme every day in the first two weeks alone.
Buying your first ever home?
We'll show you how you can purchase your very first home with as little as a 5% deposit.
Why Choose Us?
You will have a premium service with access to all the loan options available to you, and we’ll ensure we provide the most up-to-date strategy that is relevant in the current financial environment. That means that the onus is on us to find the most competitive and most valuable loan option that is currently available. The best thing is – if a better solution is available in the next 12 to 24 months, we’ll let you know and provide the best options to how you can best take advantage any new opportunity, in an ever-changing market.
We pride ourselves on being open and authentic, and therefore we want to choose the right loan for you and your family. We’ll always ensure that you have a personalised experience, because we make sure we really get to know you, and work with you one on one.
That means you’ll have 24/7 access to us, because we make ourselves constantly available to be able to help cater for anything you need, and to answer any questions that you have. We treat all our clients as one big family, because we want to make sure we have a long-lasting relationship that goes beyond a “transaction”.
Always on Time
We'll get your application processed super quickly.
Hard Working
We're entirely committed to our clients.
24/7 Availability
We're always here to help.
You don’t need to ask yourself “Who is the best mortgage broker near me” anymore.
You’ll find that you can find us reliable, honest and experienced enough to handle your financial needs. We want to be the one stop shop for anything to do with home loans and other financial services, so that you can place your trust in us to look after everything for you – that’s why you will always be supported by us, who will work with you to achieve your long term goals.
We offer a full range of financial services
Relocation loans
Refinance your home loan
You won’t need to look any further, if you’ve been considering whether or not to refinance your loan. At Point Cook Mortgage Brokers, we’ll explain every bit of detail to you on how the entire refinancing process works. What’s more, we’ll explain all the benefits to you as well along the way. It’s a no-brainer.
Reasons to REFINANCE
Our refinancing Point Cook team makes the entire process quite simple. We use our systems to connect to the financial institutions in a very short amount of time and get your application processed efficiently and timely.
Through our channels, we’ll ensure that only if there is a positive benefit to you when comparing your current loan to what’s out there in the market. This way only if you benefit from lower interest rates / other packages on the market that suit your financial needs, will we recommend to refinance.
Refinancing can allow you to utilise and access equity when tapping into your portfolio. The equity can be used to then finance any projects that require some cash flow, such as repair costs, renovations etc.
The refinancing process also allows you to combine and consolidate any outstanding debt, such as your personal and credit card loans. You can consolidate these into your mortgage and therefore keep everything streamlined and easy to manage.
Give us a call today.
Let’s have a chat to see how we can help you best.
We like to keep things simple.
Our process works as follows:
1. Call us or fill in the quote form
We'll have a chat with you to discuss what your financial situation looks like. We want to get to know you on a deeper level, to really understand how we can best serve you. We'll ask lots of questions, and help you find the best strategy possible to help achieve your financial goal. That means that everything you get from us, is 100% tailored to you, because we know that everyone is different.
We love to help educate our clients, and so we'll give a breakdown of how the process works, how the markets work and what the current financial environment is like. We'll teach you how loan instruments work and what the effect of the different types of loan product will have on you. Even if it's just explaining how interest rates work, or the difference between an 'interest only' loan versus a 'principal and interest' loan. We believe that have a foundational understanding is extremely
2. The process - arranging a pre-approved loan
Once we fully understand your financial situation, goals and exactly what you want to do, we'll then outline and formulate the best strategy that aligns with you. Arranging a pre-approved loan is one of the best ways to give you peace of mind, when looking to make your investment purchase, such as for a new home. This will give you a clear indication of your spending limits, and the ability to quickly make an offer for any property you are interested in. The pre-approval process is super quick, which will allow you to shop around quickly, without losing time.
We'll also give you an A-Z breakdown of exactly what everything entails, such as the interest rates, monthly repayment costs and alternatives to consider. We'll explain things like 'fixed' vs 'variable' interest rates and the different packaged deals available, compared to a simple loan offering. Depending on your long term goal - for example, if you're a keen property investor who wants to scale your portfolio, we'll discuss the pros and cons of the banks that you should partner with (i.e. small lenders vs big lenders) and their capabilities and likelihood of allowing you to borrow more. A big mistake that some people go for, is only looking for the bank that provides the lowest interest rate, without considering their lending capability in the long term. Some banks are less willing to let you leverage yourself and borrow more, so therefore it's always important to consider all options for the long term.
3. We will then help get your loan approved and settled, while you relax
Once we get your approval going for your loan, after we receive the requisite documentation, we'll liase with the bank and provide you updates along the way. Settlement can take anywhere between 1-2 weeks to finalise.
Mortgage Brokers Point Cook doesn’t forget you after your loan has settled. During the life of the loan, we are always there to continue looking after the clients and answering any questions. What's more is that, year on year, we review your loan and ensure that you are receiving the best loan package available. We can then form comparisons with other lenders, and therefore be able to negotiate on your behalf with the current lender to identify whether we can secure a lower rate for your loan package, or seek to refinance with another institution only where you are clearly in a better position.
Home loans
Our team at Point Cook Mortgage Brokers are industry experts in being able to educate our clients and providing guidance on finding the best home loan package. We’re fully aware of the stress of the process involved in purchasing a property. It’s not just choosing the right location, but also choosing the best financing options, the paperwork involved, as well as the fact that it’s fairly time consuming.
We definitely know that this whole process can appear daunting, especially if it is your first time. We’ll ensure that you find the right home loan in Point Cook, by first assessing your financial health, together with your financial goals. This way, we can understand the best value package that will suit you best. We guide you through the process of obtaining a pre-approval, which will provide you the ability to enter contract negotiations for the property you’re looking to purchase. We’ll also complete the entire loan application process for you, and keep you fully updated throughout the entire process, from start to finish.
If you’re a first home buyer, we can facilitate the First Homeowner Grant application for you, and guide you through the qualification process.
Investment loans
If you’re looking for an Investment Property Loan, we know exactly the best deals on offer at the current time, to find you the best loan package available. We’ll discuss an appropriate loan structure, and whether it be interest only, or principal and interest. We’ll also employ a strategy to minimise any potential lender’s mortgage insurance (LMI) for your investment strategy and expected returns.
We’ll also help review your entire property portfolio, to help ensure that you’re receiving the best deals possible, and negotiate with the banks on your behalf. We’ll continually work with you to suit your convenience, and help you identify the most competitive and value for money loan products from an extensive selection of lenders available. We’ll help you also to manage your deadlines, including your property valuations and settlement dates.
Best of all, did we mention that we do all of this at completely no cost to you? How good is that!
Renovation loans
We know that home renovations aren’t cheap. Particularly, for properties that need quite a lot of structural work, which can require a lot of additional capital. There are many options to fund these activities, and it is important to consider, to ensure that you have enough cash flow in hand for all your financial obligations in totality.
There are many different options for doing this, which would mainly involve either paying out of your own pocket using your own savings, or utilising equity if you have enough built up from your existing property.
Construction loans
Building your own home or investment property is always an exciting prospect. However, managing the costs and expenses in respect to building and construction costs, can be quite complicated and costly. Financing a home construction can be easily taken care of with a construction loan, however securing one, is not as easy as you may think.
Utilising a construction loan can offer flexibility with special construction conditions. You can drawn down your loan in either instalments or in chunks (called ‘progressive draw downs’), to receive payments at different stages at your construction project. Most people do this, because most of the time, you won’t need all the cash up front, but rather in stages. All of this is drawn from a predetermined loan amount, construed by the financial institutions. Therefore the advantage is that you only pay interest on the amounts you draw from the loan facility.
Commercial loans
Commercial financing are available from many different lenders and financial institutions, to allow you to have working capital for capital funding ventures. Our Finance Brokers Point Cook are more than capable in helping you to achieve your investment strategy for sourcing the right type of borrowed capital, that suits you best. This means that whether you require short or long term commercial finance, our team will be able to source the best value debt, to fund your next business venture or project.
Car loans
Purchasing your dream vehicle, may not come easily. That’s why we at Point Cook Mortgage Brokers can help you source the best value car loan, to help ease your cash flow without needing to front the cash, all at once. This in turn helps you to plan out your monthly expenditure, and budget accordingly.
We’ll be able to find the right lender and loan package and create a strategy that will suit you and your needs, to help you get behind the wheel of that car you have always wanted.
Not located in the Point Cook? No worries - we can serve anyone nationally with ease.
We service all areas of Point Cook.
Sunbury
Sunshine
Tarneit
Taylors Lakes
Truganina
Werribee
Williamstown
Yarraville
Approved Point Cook Mortgage Brokerage Service
Let our Mortgage Brokers Point Cook do all the heavy lifting for you. We deliver an end to end solution to sourcing the right loan product for you, to help you achieve your long term financial goals. We’re committed to being by your side, every step of the way and even more. Our goal is to ensure that our clients are fully satisfied by their experience with us, and ensure that every single criteria is met, to the highest standard. We love to help and educate, and that’s what we do best. We bring many years of experience to the table, where we carefully construct the right financial strategy that is unique to you and your financial requirements and needs. That means that we work with you from scratch, and carefully put together and procure the right loan strategy, exactly for you.
Our journey doesn’t end when your loan is approved, it is only just the beginning. That means we always will maintain contact with you, review everything in a timely manner, and reconnect and strategise if need be. With our access to the best deals on the market, it only makes sense to speak to a qualified and licensed professional, who not only will provide you access to amazing deals, but takes care of the burden in filling out the paper work for you efficiently, and seamlessly. It’s a complete win-win for our clients.
We act on your behalf to put everything together for you, while you can focus your time and energy on other things, completely stress free.
Call us today.
We know the headaches and stress that can come with making financial decisions. That’s why it is our job to provide you complete peace of mind, by always being by your side and ensuring that you are receiving the best financial services and value possible. Let our Mortgage Brokers Point Cook look after you.
We only have one goal – and that is provide exceptional customer service to our clients. We want to deliver only the highest quality of work, and leave our clients with new knowledge, and confidence that they are very well looked after. We will always listen to exactly what you need and provide a complete and transparent service, so that you always know what is happening.
We’re proud to support our partners at Mortgage Broker Gold Coast.