Upgraders & Refinancing

Direct Mortgage Concepts

The Key to Your Next Move

If you're looking to sell and buy another property, commonly, borrowers struggle to manage the transition. If you need the proceeds from the sale, how can you manage the process of successfully committing to a new purchase before your funds from the sale are available? WE CAN ASSIST WITH THIS

If you're not buying, is your current lender doing all they can to keep you happy? Traditionally, lenders don't go out of their way to offer you something better than you already have. WE CAN ASSIST WITH THIS TOO

It's not all about taking you away from your current lender; we allow them to do the right thing by you and then show you some options.

It's your decision; we simply help you to make it.

8 Easy Steps to Your Next Home or Mortgage

Step 1

The conversation - let's find out more about you

We meet with borrowers to establish the big picture. Getting a loan is not just about the facts and figures, it’s often about the story behind them. Our expertise is telling the reason why this or that happened, the story the figures don’t tell.

Step 2

Once we've established your requirements - the real work begins

We now know what you’d like to do, but we now need to sell your proposition to the lender. The lenders look for common key points to determine your credit worthiness. It’s best that they know the full story, so they’re comfortable you’re a good risk.

Step 3

We crunch the numbers and come up with solutions

The numbers are the foundation to showing you can meet the lenders requirements when asking to borrow money. You can be asset rich, but you must be able to prove you have the income to show the lender that you can repay the loan.

Step 4

We prepare and present you with a report and explain the options

Each lender has on average around 20-30 products, and there’s in excess of 60 lenders in today’s market. How do you decide what will work for you? We’ll break things down and provide suitable options in a loan proposal, then lay them out side by side with a recommendation that matches your requirements as closely as possible. This takes the guess work out of any confusion.

Step 5

You decide what direction you want to go

The decision you make, is always yours. We make and justify our recommendations, but should you decide you prefer something different, that’s your choice and we respect that.

Step 6

We put the plan into action

The costs can be different in many situations. Rates, fees, and charges. We’ll use our decades of experience to narrow down the options and clearly lay out the most appropriate choices, before making a personalised recommendation, giving you clarity and confidence.

Step 7

We keep you updated on all the critical points along the way

Along the way, our team will keep you and your team updated with milestone touchpoints for a less stressful experience. This helps you to understand and appreciate why things are happening and what’s around the corner.

Step 8

We manage the process right through to your loan settlement and beyond

When your loan is settled and your moving in, we continue to look out for you in the years ahead. We review clients loans annually, to ensure that the loan is both suitable and priced appropriate to competitor lenders. We regularly liaise with lenders to re-price existing loans and where necessary provide alternate options if a lender does not play ball.