Martin H here, you assisted me regarding my loans. I just wished to say thank you very much for your assistance, I have now received notifications of my new rates and have calculated that you have saved me net $6,643 per year, about $128 per week extra in my pocket, this is considerable and I thank you very much for following up on my behalf.
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It’s easy to assume that the best mortgage rates are the ones with the lowest interest rate, but that’s not always the case. In some cases, a ridiculously low interest rate can come with fees and charges and lender restrictions that make the product more expensive. Comparison rates show the true interest rate but often borrowers are won over by the advertised interest rate and don’t factor in the other elements that add to your loan repayments. Some lenders add margin to their rates by monthly fees and charges, fees for extra repayments, offset accounts and redraw facilities. This can be confusing when you are looking for the best mortgage rates, so we provide a full product comparison which includes all the hidden fees and charges so you can compare home loans accurately.
A mortgage broker in Sydney is key for anyone looking to buy or refinance a Sydney property, particularly in a property market that is changing dramatically in terms of value and demand. A mortgage broker is a qualified professional who negotiates on behalf of the borrower with banks, credit unions and other credit providers to arrange various types of loans and source the best mortgage rates. Mint Equity keeps up to date with lender’s interest rates, policy changes and credit requirements to provide our clients with options from over 40 lenders and 100’s of different products. We assess your financial circumstances, find a suitable loan and manage the application process as well as providing advice at every step. Some mortgage brokers only provide services for home loans, but our background in residential, commercial, business and SMSF loans means you deal with one person not multiple brokers or bankers for each different loan.
One of the most confusing parts of securing a home loan is working out how much you can borrow and what the loan repayments will be. Working with a Sydney mortgage broker like Mint Equity removes the uncertainty as we give you the answers using our home loan calculator but also taking into account that every lender is different and they have their own home loan calculator which incorporate their own policy restrictions. This is why a generic online home loan calculator can give incorrect figures and working with an independent mortgage broker in Sydney is key to getting accurate information. When calculating your borrowing capacity and loan repayments, we make sure you have the capacity to repay the loan and that you don’t extend your borrowings beyond your budgets. There are many Sydney mortgage brokers available, so it’s important that you find a mortgage broker in Sydney that has strong ethics like Mint Equity does to ensure you don’t borrow more than you need.
We manage the entire home loan application and provide you with mortgage comparison, the best mortgage rates, ensuring you know all the bank’s fees and charges, correct loan repayments and ensure your selected features like redraw facilities and offset accounts are correctly linked to your home loans.
Buying in Sydney
Access to over 40 lenders with 100’s of home loan products.
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We take the stress out of the mortgage comparison process for our clients. With over 40 lenders and 100’s of products to choose from, selecting the right owner occupied or investment loan is made easy with our software that connects directly to the banks. Discussing the objectives of your financial situation both for the short and long term, enables us to get a clear picture of your needs to reduce fees and charges and lenders mortgage insurance (LMI) costs. As part of our free service, we’ll provide you with a full mortgage comparison detailing the best mortgage rates and comparison rates. We can also specify your actual repayments using a repayment calculator and take into account any extra repayments and final loan amount if utilising an offset account. When assessing your borrowing capacity and loan amount, we will explain how the bank calculates your ability to repay the loan and if required, advise how credit cards and their limits can increase or decrease your borrowing capacity.
Home loan calculator
Over 25 years banking and finance experience including home loans, investment loans, business loans, SMSF loans and car loans.
Phone, email and SMS updates throughout the home loan application process, so you know exactly what is going on.