Finsure is a growing Australian retail finance brokerage with qualified and registered advisers seeking to help every Australian find the most suitable property loans for their own personal circumstances, whatever they may be.
Finsure’s brokers have an insider’s knowledge of the best property loans available on the market. All of our brokers and services are accessible via our national contact centre 1300 FINSURE or you can contact one of our brokers directly.
FINSURE recognises how important it is for a broker to have the right software system and how it can help develop their business. To achieve this, FINSURE has developed its own market-leading proprietary software platform that allows brokers to manage loan applications, from lead to settlement, but also sales and marketing functions such as newsletters, referrers and other business relationships. The system also guides brokers through compliance requirements and can help a busy broker with post-sale client support.
Most brokers would agree that new NCCP legislation has increased their daily workload. For most, that’s time away from doing what they want to do – speaking to clients and writing home loans.
Although some brokers are taking on the challenge and getting their own Australian Credit Licence, many are choosing to become a Credit Representative of a licence holder. The burden of compliance is lifted as it is the licensee who is ultimately responsible for ensuring Credit Reps are trained and versed to comply with the new requirements. FINSURE equally supports both ACL holders and Credit Representatives.
For most of us, a property loan represents a significant financial commitment, so it’s important to find a loan which best suits our individual needs and personal circumstances, but how do you go about choosing one from the hundreds of products offered by the banks, building societies and other lenders out there?
Is a fixed or variable interest rate best for you? Are you having trouble finding a loan because you don’t quite fit the banks’ criteria? Perhaps you’re thinking of building your own home? A professional mortgage broker can help.
Once you find the right loan, the application process can begin. Every lender is different, but essentially you’ll need to complete an application form and provide certain supporting documents (such as proof of income and identification). The lender will also carry out a credit check and a valuation (when you find a property) before approving the loan.
There are a variety of reasons to think about property loan refinancing. They can include: