Why Use A Broker?
Michael Royal
In 15 minutes I show borrowers how much they can borrow so they can ? start saving more money ? stop wasting time ? and get a good night's sleep!
Let’s face it, getting a loan from a financier is not fun. No-one goes out of their way just to get a loan. Instead, we would all much rather focus on our dreams and our goals.
Getting a loan is also time-consuming and there is always a level of uncertainty and stress until the lender says ‘yes’. And it's even more time consuming if you are doing it all yourself - particularly if the first lender you approach says 'no' - because then you have to do it all over again - from start to finish. And that second time is DEFINITELY not fun!!!
Now, let me give you the TOP 5 WAYS TO QUALIFY FOR A LOWER-RATE HOME LOAN
With mortgage interest rates increasing, now might also be a good time to think about refinancing to a lower-rate home loan. Lenders are hungry for business, so they often charge new borrowers lower interest rates than loyal customers. As a result, you could score a juicy rate cut just by switching lenders.
But there’s one catch – you’ll have to qualify for the new loan. With interest rates rising, that’s becoming harder. So here are the top five things you can do to improve your chances:
Would you like more information? You can ring us now 1300 989 878 or email us at [email protected]
This leads us to the question...
So why should you use a broker?
If you’re ready to refinance or would like to have a chat, let’s talk! I’ll help you understand your options and see what your next steps could be to save more sooner.
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BUT ONE MORE THING!
Let me share with you one of my clients' stories that could possibly help you!! ??
Client Story: $150K tipper truck
If you’re a truck driver and want to start a new business, but need some large loan funds to get going, read on!
My client wanted to start a new business, having been a self-employed contractor in the trucking industry for just over a year. To start this business, they needed a large truck – more than 12 tonnes.
Most lenders require 2 years ABN and GST registration and/or they will only lend against trucks with a tonnage of less than 12 tonnes.
After reviewing the policies of over 15 lenders, we identified a lender who would finance the client’s truck at a monthly cost over 5 years which would be recouped in 2 days worth of business – happy days!
If this resonates with you, give me a call. You can also contact me through the link below.
If you’re ready to refinance or would like to have a chat, let’s talk! I’ll help you understand your options and see what your next steps could be to save more sooner.?0411 190 474 or?email me
AND ONE LAST THING!!
"Always remember, don’t waste your time with those people who can’t – or won’t – accept you for who you are."
On behalf of the BIR Finance team, have a great day!
Australian Medicinal Cannabis physician at Metamorphosis HealthSpan Clinic
2 年I find that fatal description “ self employed “ is the kiss of death. Most sensible people legitimately minimise their tax ; this is diametrically opposite to what lenders want to see . And they usually want a three year history, so you’d want to be planning well ahead. Brokers can be highly variable as well. I spoke to one called Smartie today about a business line of credit. The suggested lender wanted “ up to 26% interest ( current) on any money drawn down. “