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The main difference between a mortgage broker and a single lender (bank) is that the mortgage broker is a free agent that deals with mortgage products of many different types of lenders but is not aligned with any particular one.
Advantages of using a broker:
1.Most brokers do not charge the customer /borrower- they only charge the bank that they end up selecting for the customer's new loan. This means that all the running around and form filling for a finance application gets done for you for free. Some people do not understand why it is a free service. The banks are trying to cut costs particularly in the cost of employment and one of their methods to do this is to outsource the job of selling their loan products to independent agents. They will pay the agent a commission if the agent happens to get a borrower to select on of their loan products. Payment of the commission is still less for the bank than paying a full time staff wages, tax, super, plus holiday and sick leave, maternity leave, workers comp etc.
2.As brokers are free agents and not aligned with any lender, they are usually self employed consultants who can set their own hours and make arrangements to meet customers. As a result they will often accommodate the customer's preferred contact place and time.
3.If you use a broker for your finance enquires they will be able to tell you what you need to do to qualify for finance so you can make sure you have all the requirements before actually making an application for finance and therefore avoid an unsuccessful application. If you make an unsuccessful application on your own and then try with another bank, especially if there have been any problems with your credit history, you may set yourself up for another rejection.
4.A finance broker can keep all your finance supporting documents and information on file so whenever you need to apply for finance again or change banks, you don't need to go through the same process again eg: proving identity, showing all previous tax returns and sources of income and filling out an assets and liabilities and income sheet again.
5. When you want to get an answer quickly about how your finance application is progressing, a finance broker is on call for you. They are relying on the loan going through before they can get paid by the lender, so it is in their interests to make sure that you are successful with your finance application.
6.Finance brokers will often work one on one closely with you and your other professionals such as accountants and lawyers and therefore complement your team of professional support and avoid you having to repeat yourself when it comes to agreed information exchange or sharing. This makes life easier when you are buying a property, refinancing debts or financing a court case.
For more information about finance see: http://www.rigolilawyers.com.au/RigoliLawyers2047/Page/21340/Financemadesimple.aspx
Or to have a broker contact you to see if they can help your situation please email info@rigolilawyers.com.au with the words "finance enquiry" in the subject heading. Please leave a contact number as well as your full name when emailing.
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