Premium Broker in Sydney, Australia | Mortgage brokers

Premium Broker

Locality: Sydney, Australia

Phone: +61 2 9468 9600

Address: 549 Willoughby Rd, Willoughby 2068 Sydney, NSW, Australia

Website: http://www.premiumbroker.com.au

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• Loan service
• Mortgage brokers

24.01.2022 Looking to buy a home or refinance, and overwhelmed by all of the lenders to choose from? We're here to guide you through the process and help you find the most suitable home loan. We work with you to: Understand your needs and goals Work out what you can afford to borrow... Find options to suit your situation Explain how each loan works and what it costs (e.g interest rates, features & fees) Apply for the loan and manage the process through to settlement The best part? Our service is complimentary (we're paid by the lenders, not you!) Send us a message or give us a call to find out how we can help.

14.01.2022 Is your home loan over two years old? With multiple rate cuts and lenders wanting the business of low-risk borrowers, if you are financially secure and have a home loan over two years old, there's a good chance you may be able to lower your rate. It's worth chatting to your mortgage broker, or getting in touch with us to make an informed decision. There will be application paperwork involved with a refinance, but we'll make sure the process is a lot more hassle-free - that's what we're here for!

13.01.2022 MORTGAGE BROKERS V. DIRECT LENDERS // What's the difference? Before purchasing a home, it's important to understand the difference between going directly to a lender and using a mortgage broker. Check out the key differences below: PRODUCT RANGE: Mortgage brokers have access to no less than 20-30 lenders with over 1000 - 2000 products. When you go direct, you are limited to what that lender offers.... PRODUCT MATCH: Mortgage Brokers take the time to understand their clients situation and needs. This information and access to a wider range of product significantly improves your chance of finding a product that suits you best. CREDIT SCORE: A credit check run by a lender gets recorded as an enquiry on your credit file. Multiple enquiries can adversely impact your score. Checks run by Mortgage Brokers do not get recorded. When doing your research and exploring your options, using a broker will ensure there is no impact on your credit score. CONVENIENCE: As well as having access to a wider range of products, Mortgage Brokers are a lot more flexible with timings. You are restricted to office timings and locations when using a direct lender. If you're considering buying or refinancing, and want to enjoy a smoother and stress free process - get in touch today! Disclaimer: Premium Broker Pty Limited ABN 40 105 746 692 holds an Australian Credit Licence 392625. Our Credit Guide and Privacy policy are available online | www.premiumbroker.com.au

08.01.2022 Finding it hard to stay on top of lender requirements during COVID? Here are some tips to improve your chances of securing a home loan during this time: Prepare for questions if you are on the JobKeeper subsidy: Let your employer know to expect a call. Lenders will want to discuss the assurance of job security! If your hours have been dropped, wait it out: Even if you haven't suffered a decline in wages due to the JobKeeper Subsidy, lenders will view this as a temporary... fix in anticipation of a significant reduction once the subsidy ends. Consider lending process times: Processing times have changed significantly due to COVID. Make sure you know the processing time of your lender so you have a better chance of securing a good property deal. Watch your online & discretionary spending: Lenders are looking at lifestyle expenses much more closely! Rely on professional advice: Everything is changing so quickly. Seek professional advice to make sure you understand which lender is right for you. Read More | http://ow.ly/QWRj50BANg2

02.01.2022 Thinking of buying a home together, but not married? Here's 5 things you should discuss as part of this exciting process 1BE OPEN ABOUT YOUR FINANCES: Review your finances together. Everything from your salaries, to student loans, to savings and yes - even your Afterpay habits. These details are really important in the application process & give you a better idea of your joint chances of being approved. 2DECIDE ON YOUR PREFERRED OWNERSHIP STRUCTURE: This determines h...ow the home is divided & sold if your partner dies. You have the choice between Joint Tenant and Tenants in Common. 3DECIDE WHO IS PAYING FOR WHAT: There's lots involved, so deciding this at the beginning could save a lot of headaches. 4ARE PARENTS GETTING INVOLVED? It's important your parents understand the legalities of what they're getting involved in - especially if you fall behind in payments or split from your partner. 5BE PREPARED FOR 'WHAT IF' SITUATIONS: What if you have a child & stop working? What if you need to move for your job? Preparing for these situations is all part of a responsible approach to property purchase with a partner. Think you might benefit from some expert advice to guide you through the process? We're always happy to help! Reach out today to find out how.