Why Use a Mortgage Broker?

There are literally hundreds of different loan products available right now. While this makes it harder for you to choose the right loan, it does mean that there’s an ideal lending solution for you out there – it’s just a matter of finding it.

That’s where a mortgage broker comes in – we shop around for a loan that’s right for you and your circumstances whether you are a first home-buyer, looking to re-finance, building your investments or looking for a competitive commercial finance product.

We have access to over 1350 different loan products and stay up to date with the constant changes and new products. This not only means we can go in to bat for you and match you with the right solution, but we can also negotiate great rates on your behalf.

Firstly, it’s hard to choose. Which bank? Which product? What about building societies and credit unions? There are a lot of options out there, and with the Reserve Bank moving official interest rates and banks moving them independently and new products constantly being introduced, it’s an ever-changing market.

With choice comes complexity. It can get tricky to navigate through it all and take a lot of your time (and sanity sometimes too). A mortgage broker will steer you through this to find the loan that suits your needs and not the banks. We then deal with the lender and manage your application process through to approval.

In the simplest terms, a mortgage broker makes it easy – saving you time and, hopefully, a lot of money.

We work for you, not the banks. We go in to bat for you to get the right mortgage.  At RAP Finance we ensure we negotiate for what’s right for you – not what’s right for the lenders.

We start by meeting you at a time and place that suits you – at home, at work or over a coffee; during the week, at night or over the weekend – we’re always flexible and get to know you personally to understand your unique circumstances.

We look at your current loans and financial circumstances and research to find the right solution for you. We take care of the paperwork, manage the application process and then take it through to settlement. It’s fast. We’ll work with our lender networks and contacts, securing your finance quickly and efficiently.

It’s more than just loans. Lenders will ask you to take out insurance on your new property. We help you arrange cover to keep the approval process moving quickly and cost-effectively.

Whatever part of the loan process you’re at, and whatever type of loan you’re looking for, we can help.

It doesn’t matter if you’ve just started thinking about buying, have already found the perfect house and want to efficiently sort out your finance, are looking to unlock the equity in your current property or are wanting to find out if there’s a better borrowing option than the one you currently have – any time is right to explore your options.

It’s not just about finding the lowest interest rate – there are other things to consider. For example, if you’re thinking about starting a family, flexibility is an important feature. Or if you want to renovate, easy access to equity can help. With so many products, you have so many choices.

Once we agree on the right loan, we take care of the application and get everything in place for the approval process, then see it through to settlement.