Why use BOSS Money?
We are experts, not salesmen
- We are home loan approval experts!
- Our home loan services are free
- We service Australia wide
- Home loans options from over 40 different lenders
- 20 commercial lenders
- Our outstanding reputation and achievements
- We simplify the process
- Free valuations and credit reports
- Qualified Accountants & Financial Planners
- MFAA & COSL membership
- We are loan approval experts!
What is a Mortgage Consultant?
A Boss Money Mortgage Consultant will evaluate your needs to get a detailed picture of what you need from a home loan. They can calculate your borrowing power so you know what you can afford. Then from a panel of 40+ lenders they will compare all the loans to find the right one for you, NOT the bank. We do all the legwork and look after the entire process from lodging the loan to settlement. ALL of this at no cost to you, a completely free service, that doesn’t affect the loan you receive and 9/10 we can get you a better deal than if you went straight to the bank.
Why use a Mortgage Consultant?
A Boss Money Mortgage Consultant is a home loan expert. Given that a home loan/mortgage is probably the biggest exopense you will ever have, it pays to get free professional assistance and advice. Banks only have access to their own range of products, so would they tell you if another bank had a better deal? No way! A Boss Money Mortgage Consultant has access to thousands of products from over 40 lenders, including the big 4 banks. Essentially, they help you avoid taking out a loan you might later regret.
How does a Mortgage Consultant get paid?
Our services are free, as we get paid by the lender for doing the work that would otherwise be done by a bank manager and more often than not, can get you a better deal than going to the bank directly.
Did you know that some larger mortgage consulting companies are part owned by one of the banks?
We are privately owned and can arrange loans with the four major banks as well as several reputable non-bank lenders.
Mortgage Consultant Vs the Bank
A large percentage of people head straight to their own (or nearest) bank when deciding to apply for a home loan.
There are countless reasons why it pays to use a mortgage consultant when shopping for your home loan, and even if you want to use your own bank for your mortgage, you can still use a consultant to help process paperwork and manage the application on your behalf, plus there is no direct cost to you.
But if your heart’s not set on using a particular lender, a consultant can be your best friend. She offers the following five arguments as to why every borrower should seek out a qualified mortgage consultant when trying to obtain property finance:
When you sit in front of a consultant you are sitting in front of 40+ banks and thousands of products versus visiting a banker who has access to only one bank’s products.
Ask your lending manager how long they’ve been helping people with home loans. Consultants often own their own businesses and are committed to their clients in the long term, with many years of industry experience. Banks are big companies; they move their staff around and reward good performers with promotions away from their customers.
3. Follow Up
Following up the progress of your loan application is time consuming and frustrating. At Boss Money our Client Care Managers look after you from lodging the loan to settlement and beyond. A Bank will do the loan and then you are on your own to make sure everything comes together at settlement. Dealing with the bank quite often means dealing with someone from another country.
4. Personal Banker
Your mortgage consultant is ‘like the perfect personal banker’ . They know what needs to be done, they make sure it happens and because it’s their own business, they’re in for the long haul. Bank staff change often so even when you find a good personal banker they change jobs before you know it.
Whether you are looking to buy your first home, move home, refinance, or invest in property, a Boss Money Mortgage Consultant can help. Access loans from 40+ lenders, get help with paperwork – plus there is no charge for this service.