We are here to assist you in making the right decision
When trying to analyze the various types of home loans, the question is “where do you start” and the answer is clearly with a mortgage broker. You see lender’s web sites provide very little detail and even when they do it can often be out of date or not pertinent to your situation. Limited offer discounts or fee waivers are rarely posted on the web sites and more so, many applicable fees are inexplicably absent.
Every lender has their own mortgage policy documents and these are usually 50 to 150 pages long. There is an enormous variation on what lenders consider acceptable even down the amount that they will let you borrow, their valuation policies and credit scoring policies are all different – making the wrong application can seriously damage your credit report.
A professional mortgage broker will know who is offering what and who is and who isn’t performing up to scratch. Your mortgage broker will know the little idiosyncrasies that may make one lender stand out as an ideal or terrible choice. In most cases the commission that lenders pay your broker to originate your loan is sufficient to cover all of your brokers costs and so in most cases you get professional advice and service for free.
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