How do you match a mortgage and lender to your needs? Do you have the time and energy to run around finding out the details of each and every lender and mortgage, then try to work through all the options on your own or why not draw on our expertise as credit advisers.

One of the benefits of working with a mortgage adviser is the extensive menu of mortgage options we have at our fingertips. But given such a wide choice, how do we narrow down the options to find the right mortgage for you?

We have access to more than 40 different lenders. These include the big four banks, second-tier lenders such as Macquarie Bank, Bankwest and Citibank, and a raft of niche lenders such as Liberty or Pepper, which offer mortgage options for people who may not meet the lending criteria of the top banks.

When it comes to making mortgage recommendations, we look at a number of different factors.

First we discuss with client about their goals. This might be to pay off the mortgage as quickly as possible, or to find a mortgage with the lowest interest rate possible. They may want a mortgage with a fixed term, or they may want a facility with a low fee structure. Each client is different.

We give each client three mortgage options and makes sure the options meet their requirements across a range of criteria.

If the borrower has no specific requirements, we will most often take into account interest rates, how fees impact the life of the mortgage and how portable the mortgage is.

While interest rates are the most critical factor, it’s not the only factor. As well as the mortgage’s fees and interest rates, the lender must also match the client.

We can match you to the mortgage that meets your needs so contact us today.