Its up to you
Lets consider the steps taken in apply for a loan and get the best loan with terms and interest rate you can find. The emphasis is on you, not the mortgage broker hence we focus on your ability to document and exp[lain your goals and capacity to repay to the bank. Simple notion :- Someone knocked on the front door, first check who its is and priotise in your mind your poise to the door knocker. You quickly gather yourself prepared to open the door. You reach to open the door whilst standing still behind the door not moving away to make way. You want to welcome the person and to have a chat, atleast but the door won't open. My foot in its way, come on you have take steps to make way for the chat. We will use this story as a motivation for accountabilty and preparation for you to achieve even most basic of objectives/goals.
When you read each of the steps consider what you could do in order to make each step easier. What skills you need to learn to participate in each step and empower yourself to lead the converstations when options and opportunities appear.
Step 2 Analyse:
More than just analysing data, we also analyse your expectations and hesitations. This way we get to form an accurate picture of your current situation and where you want to get to, what obstacles we may encounter and how to overcome them.
Step 1 Understand:
We take our time to understand your fears and aspirations, along with your previous experiences to truly understand how we can best help you.
Step 4 Educate and Empower:
At this stage we spend a lot of time ensuring you completely understand the process from the very start, right through to what may happen and contingency plans if required. Once you are fully educated you will be able to make your decision confidently.
Step 5 Negotiate:
Any Mortgage Broker worth their salt will ensure they push the lenders as hard as they can for the cheapest possible Interest rate and lowest possible fees. With over 30 lenders available to us, we take the time to negotiate with the lenders to ensure you get the best possible deal.
Step 3 Set meaningful and achievable goals:
These are your goals – you own them 100%, but we do this jointly to ensure the goals are not only realistic but there is a clear path to achieve them.
Step 6 Recommend:
Once we have a comprehensive understanding of your situation, goals and aspirations we then recommend the right solutions for you. This may also include referrals to other trusted advisors such as accountants and investment specialists.
Step 8 Review:
Every year we review your loan and will pro-actively ask your current lender for a discount on the interest rate. This ensures you will always be ahead of the market and help you get ahead financially
Step 7 Implement:
The most important stage is to properly implement the plan. This can be a one-off product or a multi-step program depending on your situation. Our team will ensure a timely and hassle free process so you can rest easy while we ensure everything gets done.