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Why use Finetiq as your Mortgage Broker?

Why use Finetiq as your Mortgage Broker?

In Australia, it is now tougher to get a home loan thanks to the scrutiny of the Banking Royal Commission, having put banks under tighter measures than ever before.  Then there’s the Australian Prudential Regulation Authority (APRA) who have further put banks under notice to slow investment lending.

Although these tougher measures are there to help reduce the incidence of borrowers defaulting on their mortgages, it does make it quite tough to borrow through the major banks.  With a large array of smaller banks and non-bank lenders, Finetiq can help you in the vast sea of lenders.

The smaller lenders have stepped up to fill the void left by the big banks; and borrowers are moving to them in droves.  The big 4 advantage is brand recognition.  Access to a large branch network used to be one of their selling points, but let’s face it, with the huge explosion of cash-less banking, it is rare that you need to step foot in a branch nowadays.  The big 4 have seen huge declines in branch usage and have been steadily reducing their branch footprint for some time now.

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So why should I use Finetiq to help me with a loan?

1. Access to over 50 Lenders

With a vast array of bank and non-bank lenders catering for all types of loans including home loans, business & commercial loans, development finance, car loans and personal loans, we have the ability to put you in the most appropriate loan.  So why so many lenders?  With choice comes competition.  We can ensure that the products we recommend meet your requirements as closely as possible whilst also delivering a competitive result.

With so many lenders, there are many different lending policies and criteria.  Each lender has their methods of calculating living expenses and their policies around acceptable income sources.  So what may fit some lenders may not necessarily fit others. For example, which lenders accept casual employment and what is the minimum employment period?  Which Centrelink income is acceptable?  And what if I have some previous credit impairment, can I still get a loan?  It’s our job to find a lender that’s suited to your individual needs and circumstances. 

2. Negotiate Sharper Rates

The great thing with having so many lenders vying for your business is that we have the ability to do some heavy negotiating to help get a better outcome for you.  The advent of smaller lenders in the market has made it possible to get better results.  Some of the “boutique lenders” have lower operating costs as they have a reduced footprint in the branch network space.  So this gives them to ability to become competitive against the big 4. 

3. Customer Satisfaction

Our business is built upon repeat and referral business.  So we go above and beyond to make sure you are delighted with our service.  If we don’t delight you, then how can we expect repeat business?  Our clients love what we do for them.  Here’s what some of our customers have to say.

 

Lilly Hermos
Lilly Hermos
May 11, 2022.
Khaled is an absolute pleasure to deal with! Not only does he always Gets an approval but his on the ball, hard worker, returns your calls. Works after hours if necessary, honest and reliable… wouldn’t go anywhere else! Highly recommend!!!
Mitch Andrews
Mitch Andrews
May 11, 2022.
I couldn’t be happier with the service and outcome! True professionals in every essence of the word. highly recommended to anyone from all areas of the market. I can’t thank you enough Khaled and team, my wife and I are extremely grateful and satisfied.
Nathan McGuire
Nathan McGuire
May 11, 2022.
Honest and genuine company who always gets the job done!!! I have recommended Finetiq to my friends and they all have said great things.
Hanaa Osman
Hanaa Osman
May 10, 2022.
Mr Khalid has enormously helped me with his amazing job. I felt I was totally lost in the accounting and banking issues, but he kept explaining every single detail till I knew everything about my loan. He supported me till I finally moved to my new first home owner house. He is approachable, comes to me on time, never been late responding to my enquires. Without his help, I would be still renting a house. I suggest him as an excellent broker that can guide you with the whole process of the loans. Mr Khalid, keep you fabulous job.
Delia James
Delia James
March 18, 2022.
Amazing service! If I could give 6 stars I would. Khaled went above and beyond for us and even worked through his holiday and Christmas to get our loan approved. Highly Recommend!
Ahmed Assamman
Ahmed Assamman
December 7, 2021.
I was looking for a home loan, Khaled helped me on getting it on time, and at the best available rate. What I like about Khaled is that his knowledge and experience, which is essential to ensure success. On top of that he is honest and transparent, giving the confidence in the decisions we took after discussing all their aspects. Khaled is a trustworthy professional which I recommend dealing with.
Drew Jorgensen
Drew Jorgensen
September 27, 2021.
Khaled went over and above to get the finance sorted. Couldn’t have asked for better service.
Safwat Soliman
Safwat Soliman
July 24, 2021.
We had recently bought our first property using Finetiq services and when we first started we had absolutely no knowledge but Khaled explained every step through the process. He went above and beyond in selecting the best product available in the market sparing no effort in going through every option and selecting the best option that suited our needs.Khaled was very efficient and professional in his communications and we were absolutely fortunate enough to use his services.Thanks Khaled!
Inas Elkady
Inas Elkady
July 13, 2021.
Very experienced, knowledgeable, has great financial knowledge, very responsive and great communication. Thank you for helping me through the process and answering all my questions. Will recommend to anyone who is looking for home loan assistance.
Gee Taggar
Gee Taggar
May 17, 2021.
We recently had our first dealings with Khaled as a private lender. All I can say is that Khaled’s responsiveness, care and ability to get things done quickly resulted in a settlement from start to finish in 4 days. Well done Khaled and the team. we look forward to working with you again! Regards, Gee Taggar Archer Private

4. Online Fact Find & Document Collection

In our new world, online interactions are a crucial part of doing business.  Our interactions with clients are face to face when possible but we also have a full suite of online tools to help in our new way of working.  Our tools have not just evolved recently with the onset of the Corona Virus.  They have been part of our DNA to ensure we have a sustainable and user-friendly way of working with our clients.  Our online platforms can be accessed via mobile, tablet or PC.  So in our busy lifestyles, you can do what you need whilst on the go.  Gone are the days of traditional paper fact find forms of print, fill, scan then email.  Having said that, some of our clients do prefer the more traditional ways of working so we can still provide paper fact find forms if requested.

5. Help with Government Grants

Did you know that as a first home buyer, you may qualify for some government assistance in the form of a first home owner grant as well as reduced or no stamp duty altogether.  Each state has its own criteria but we can help you wade through all the details with your application. 

Another little known government grant is the boost the federal government has offered to help reduce the Corona Virus effects on the building industry.  This grant is known as the Home Builder Scheme.  It’s a $25,000 boost and the best thing is that it’s available to Australians who want to build or renovate; not just first home buyers.  But it’s only available till the end of 2020.  So get in touch quickly and we can show you how you can get access to it.

6. Complete Range of Loan Products

People often tend to think of using mortgage brokers only for home loans. In fact, some mortgage brokers only work in the home financing space.  However, did you know that Finetiq can help you with other loan types too?  Car loans, business loans, property development finance, investment loans, commercial property loans and many others are examples of the loans we arrange for our clients.  So in your busy life, you can rest assured in the knowledge that we will provide all your finance objectives in a manner best suited to you.

Where to from here?

Our online fact find is the first port of call.  If you’d like to get started, just click the button below.  It’s that simple.  Or if you want to chat about your lending objectives or would like to see how we can help you, please call us on 03 8560 5000.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

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