A mortgage broker will take the time to discuss your goals and circumstances with you. This gives them the opportunity to determine which type of loan is most suitable. We understand the advice that is right for someone else maybe completely different than the advice that is right for you. Therefore we design investment strategies suited to your individual requirements at the particular age and stage of your life.
Using our specialist software, we can help you compare over 30 different lenders. We'll walk through the details of each loan with you - and help you choose the one that's right for you. We'll explain the features of the loan and how you can get the most out of the loan. The benefits and costs of various options and more importantly make sure that the finance is structured effectively.
We will also walk you through the costs of purchasing and how much funds to complete will be required, We can show you how different lenders assess your borrowing power and how lending policies differ between lenders.. We will also discuss how the ownership of the property (company, family trust, personal names etc) can impact on your tax situation and, asset protection.
There is an overwhelming amount of information to process, new concepts to learn, complicated processes to learn not to mention dealing with the psychology of negotiating with a real estate agent!. At Inglis and Rock, we try to eliminate as much as these stresses as possible. We'll help you sort through the volumes of often contradictory information to make the right decisions.
Firstly, we will lodge the application on your behalf and show you ways that you can make your application look as good as it can in the eyes of the bank. This will ensure we maximize your chances of approval and help with negotiating a better deal.
At Inglis & Rock, we don't just find you the right loan. We also follow up with the bank, your accountant, your solicitor, the real estage agent - all on your behalf.
Buying property can be a confusing, stressful experience. We'll take care of the details so you can focus on the more important things; property search, negotiating the purchase, organizing the move, planning renovations etc.
Essentially, we're here to help you focus on the best part of the experience, finding that perfect property!!
LOAN PROCESS
Every client receives a personal and dedicated client manager driving your loan from beginning to end to make sure the entire process goes as smoothly as possible. This will ensure you have a great experience and refer us to all your friends and family.
Your client manager is in the office during business hours and are in contact with the bank, the valuer, the real estate agent, solicitor, accountant, financial planner, architect, builder, etc to make sure everyone is working efficiently.
You will be kept informed and up to date at all stages and we encourage you to contact us with any questions - we're here to help YOU.
Your experience with Inglis and Rock is not a one off transaction. Even after your loan settles, we will be here to answer any questions you have during the life of your loan - we take a client for life approach.
Each year we conduct a free annual loan review. Now more than ever, the mortgage market is in a constant state of change. New lenders and new products are being brought into the market; and as competition grows it is becoming harder and harder for clients to be confident that they have the best possible loan and structure for their current needs.
There are many unexpected events - If you want to change the structure of your loan due to a drop in income, starting a family, starting a business; fixing your loan to hedge against rate rises, increase your loan amount to consolidate credit cards, personal loans or car loans or simply take a holiday. If you want to buy an investment property or upgrade the family home – we are here to help.
Our online bulletin and interactive website will keep you up to date with the latest developments in both the property and finance market. Whether you’re an investor or a home-owner , we're available to answer all your questions, discuss potential properties and review your finances at any time.
To discuss how Inglis & Rock can help you please contact us today.