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Full Service - Loans Australia provides a 'full service' loans transaction at no additional costs to you. This means that after the product is chosen and the loan application submitted, we continue to provide full service all the way to settlement and beyond.
Finance Advisor - Finance Advisors will respond to your initial loan enquiry with Loans Australia and look after you personally until full approval. At full approval the Client Manager supervises the loan until settlement while the Finance Advisor will be available to answer any questions or deal with any other lending requirements that you have. With all staff being specialists in their chosen area of the loan process we have found that loans are settled faster and clients are more satisfied with the overall result.
At Loans Australia we consider experience in the mortgage industry an important pre-requisite to becoming a finance advisor and require a minimum three years experience in the finance industry. In addition you will find your Finance Advisors to have studied or currently studying towards a Certificate or Diploma of Mortgage Lending
Client Manager - Every client is linked up with a Client Manager who manages the transaction from full approval all the way to settlement. The Client Manager will inform you as each loan transition is completed. They will also liaise with all the different parties that can be involved in a loan transaction including the lender, lenders solicitors, client solicitor, real estate agents, settlement officers. Our experience has shown us time and time again that many of the relevant parties 'hope' that someone else will be on top of the transaction - hence we have put our hand up to ensure that all the relevant parties coordinate with each other.
Client Care Program - As many mortgages now come with a variety of features the Finance Advisor will call you 10-12 days after settlement to ensure you have received all the paperwork and items relating to your new mortgage. Our Finance Advisor will also help you to set up your direct debits that may need to be in place.
Three months after settlement you will be contacted by your Finance Advisor to ensure your loan product is performing as promised. At twelve months, Loans Australia will contact you to review your loan and ensure you are satisfied with it. They will review any changes in circumstances and determine that the loan still meets your goals and requirements. If you have a fixed loan that is about to end we will review your options and process any changes that may be required.
Relationships - Similar to building a relationship and case history with your doctor, building a relationship with your Finance Advisor can be extremely beneficial. Loans Australia encourages a relationship whereby clients feel comfortable to contact us and discuss various loan option scenarios. As we move through life our financial requirements change. Our incomes can increase or decrease, relationships with significant others begin and end, opportunities present themselves, children are born and grow up - all of these are significant life events and will create significant changes to our finances. The 'mortgage' is something that will be constant in our lives for many of us. Like life - mortgages change, new lenders enter the market with new products and there are new opportunities - it is important that you consider these new products and opportunities considering that approximately 30-40% of your after tax earnings are going towards your mortgage.
Education - Ever had a loan declined and not told why? Did you realise that some lenders will not lend on all property titles? Did you know that there are over 20 professional packages available and in most cases you do not need to be a professional to qualify for them? Did you know that some lenders would not lend to certain postcodes?
Did you know that there are 4 different types of calculations lenders use to calculate how much you can borrow and that the different calculations can effect how much you can borrow by hundreds of thousands of dollars in borrowing capacity?
Would you like to know all of this information prior to purchasing a property?
Loans Australia will walk you through your options and your preferences and let you know upfront any irregularities in relation to lending policy that you may need to consider prior to paying a deposit.
Wide Choice - over 55 lenders and 800+ products to choose from.
Quality Controls - When you walk through the process of Choosing the Right Loan , Loans Australia uses a number of quality controls to ensure your satisfaction.
Flexible - We provide the service in the format you choose. If you would like to visit us at our office or prefer us to visit you at home or at work, we will. Alternatively, if you require speedier service or simply prefer that all of our correspondence be via email, fax and phone - that is fine. It's your choice.
Communication - we keep you up to date every step of the way through using our Loan Transition System .
Questions - if you have plenty of them - we are here to answer them. Your loan could be the most important decision of your life and we will help you make the most informed decision possible.
No Cost - Lenders pay Loans Australia for the service, expertise and knowledge that we provide to you. Most lenders pay us approximately the same regardless of the lender you choose (the exception is the non-conforming lenders). As a company aiming to develop a long-term relationship with you, hurting you by setting you up with unsuitable products is simply hurting ourselves - therefore we don't do it. Finance Advisors are paid the same regardless of the product you choose, which emphasises our commitment to obtain the best product possible for your financial situation.
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