We've summarised some common questions to help you in your research, but please feel free to call or book a time to ask us any more.
Our team have over 20 years of experience in mortgage broking and lending, helping a wide range of clients secure tailored finance solutions. I work with a strong network of lenders to find the best loan options and ensure a smooth, stress-free process for my clients.
We are paired with a large aggregator in Connective so we work with a wide network of lenders to find the best loan options and ensure a smooth, stress-free process for our clients.
We get paid by the lender we put you with. They all pay approximately the same rates of commission so the only person we consider when helping you choose a lender is you and what is best for you. Some brokers charge fees which must be disclosed up front to you – we very rarely do.
A broker provides access to a wider range of lenders and loan products, negotiates competitive rates, and simplifies the application process.
The rate is hugely important but it’s definitely not the sole consideration. Flexibility in terms of overpayments, paying the loan out early, providing certainty for budgeting, etc should all be taken into account and we will help tailor your loan to match your short and medium term goals. You will hear terms thrown around like fixed, variable, offset, redraw, portability – we can help make sense of all these and ensure your loan works best for you.
Pre-approval can usually be arranged in 1-2 weeks. Typically, we’ll need documents to verify your income, assets, liabilities and expenses. All this can usually be provided quickly and securely via our client portal. Providing complete and accurate documents upfront will help speed up the process.
Most lenders require a minimum 5-20% deposit. A 20% deposit can help you avoid Lenders Mortgage Insurance (LMI). But there a some lenders that can now help if you only have 2% or even $0 if your parents can provide a security guarantee
Absolutely! We pride ourselves on our ongoing commitment to ensuring your lender is looking after you post settlement – we will conduct regular ‘rate reviews’ meaning you’ll always be on the sharpest rate possible. And if your lender isn’t giving you what you want, we will find another who will!
Start by picking up the phone and calling us on 0450 347534 or drop us an email at info@saxonfinancial.com,au and someone will be in touch as soon as possible!
We can serve the whole of Australia, so if you’re not in Melbourne like us, let’s jump on a video call and see how we can help!