Mortgage Broker Gold Coast

mortgage broker gold coast

If You are Seeking a Professional Mortgage Broker On The Gold Coast, Look No Further Than Impact Lending

A simple 3-step process

Arranging finance through Imapct Lending Solutions couldn’t be easier. It’s a simple 3-step process and we’ll be there to guide you all the way. It’s a completely FREE service – so call IMPACT Lending Solutions to arrange a free no-obligation mortgage broker appointment on the Gold Coast today!

Step 1 – Getting to know you

After you’ve contacted Ipact Lending Solutions via phone or email, we will arrange a suitable time to meet with you to discuss your options. Our service is fully mobile and comes at no cost to you.    We can meet you at your home, place of work, or our conveniently located office just off the M1 at Worongary.   Appointments can be also be arranged after hours or on the weekend.

Step 2 – Making an Application

After we’ve met with you, conducted our research, and chosen the appropriate lender, we collect the supporting documents required and complete the application form with you.  The application is then submitted to the lender and we advise you once they have made their decision.

Step 3 – Settlement

The lender issues loan documentation and arranges settlement with your solicitor, however we will guide youthrough this to ensure that the stages leading up to settlement run as smoothly as possible. After settlement, your lender will look after the maintenance of your loan; however, we will keep in regular contact to assist with new loan requirements.

Experienced Gold Coast Mortgage Brokers

For most of us, purchasing a home is one of the most crucial decisions we’ll ever have to make in life. The prospect of home ownership is extremely exciting but it can also be tremendously intimidating, as well. At Impact Accounting, our team of skilled Gold Coast mortgage brokers will supply you with everything you need to make a calculated decision.

The Importance of a Mortgage Broker

A mortgage broker is someone who seeks out a home loan that’s ideal for your specific set of circumstances. Whether you’re looking to buy your very first home, or establish an investment portfolio, Impact Lending will safely guide you through the volatile mortgage labyrinth and source the perfect home loan for you. Our mortgage brokers conduct negotiations with major lenders on your behalf, ensuring that the entire procedure is completed in a straightforward manner.

As a mortgage broker, we are here to act as your advisor at any phase of your financial campaign. Whether you’re saving to buy your first home, looking to utilise the equity in your existing property, or simply wanting to know if the home loan deal with your current lender is the best possible option available, you can arrange to speak with one of our professionals, at your earliest convenience.

The Initial Consultation

During your meeting with one of our brokers, it’s important that we learn about your current financial status and your goals, to determine what matters to you the most in a home loan. For instance, you may desire a home loan that offers a degree of freedom, enabling you to obtain access to equity for an investment property or home extension. No matter what your intensions may be, we will secure a home loan for you that accommodates your needs.

Types of Home Loans

Fixed Loan

In a fixed home loan, your mortgage repayments stay the same, irrespective of interest rate changes, for a specified duration, typically for the first 1-5 years.

Variable Rate Home Loan

Unlike a fixed home loan, a variable home loan’s interest rate fluctuates according to the rate set by the Reserve Bank of Australia. These are the most common Australian home loans.

Split Loan

A split home loan effectively allows the borrower to divide their loan into a fixed or variable loan, letting them choose which portion of the loan is to be governed by a fixed or variable interest rate.

Interest Only

With an interest only home loan, you’re only required to repay the interest on the loan, typically for the first 1-5 years. As you’re only paying off the interest during this time, the repayments are lower. Following this period, you will commence paying off the interest and principal.

Line of Credit

A Line of Credit allows a borrower with access to the equity in their property, within a pre approved limit, with interest charged on the outstanding balance at or near home loan interest rates. There is no fixed term and the borrower’s obligation is to cover the interest and maintain the outstanding balance within the limit.

Contact the Experts at Impact Lending

Prior to your home or investment property purchase we recommend making an appointment with us for a free, no obligation review of your borrowing capacity prior to making an offer. We’ll guide you through the process and recommend the steps to follow in this very important and complex process.

Every day, we help clients secure the very best home loans for their specific circumstances. Whether you’re a first time buyer looking to embrace the dream of home ownership or a prolific property owner, seeking to expand their investment portfolio, our team of experienced Gold Coast mortgage brokers can assist you. For more information, contact the friendly staff today, at Impact Lending.

Contact Impact lending today, your local mortgage broker on the Gold Coast.