A mortgage broker helps you understand your borrowing options, compare suitable loan products from available lenders and navigate the application process through to settlement.
At UrbanCrest, we take the time to understand your circumstances and goals before discussing potential loan options.
A broker can help you compare lending options across available lenders rather than limiting your search to a single institution.
We can also help you understand differences in loan features, fees, repayment structures and lending criteria, and assist with the application process.
Your potential borrowing position depends on factors such as your income, expenses, existing debts, deposit or available equity, employment circumstances and the lender's assessment criteria.
Our Borrowing Power Calculator can provide an indicative starting point, but it isn't a credit approval or personalised assessment.
Simply speaking with a mortgage broker does not necessarily affect your credit score. However, credit enquiries associated with formal loan applications can appear on your credit report.
We can discuss your circumstances and the application process before proceeding with a formal application.
Your potential borrowing position depends on factors such as your income, expenses, existing debts, deposit or available equity, employment circumstances and the lender's assessment criteria.
Our Borrowing Power Calculator can provide an indicative starting point, but it isn't a credit approval or personalised assessment.
The deposit required can vary depending on the property, loan structure, lender requirements and your individual circumstances.
You may also need to budget for costs such as stamp duty, conveyancing, inspections and other purchase-related expenses.
A fixed-rate loan generally provides a set interest rate for an agreed period, while a variable-rate loan can change over time.
Each structure has different features and considerations, so it's important to consider how the loan fits your circumstances and future plans.
An offset account is a transaction account linked to an eligible home loan. Depending on the loan structure, the balance held in the offset may reduce the amount of the loan balance on which interest is calculated.
The benefits and availability of offset facilities vary between loan products.
People consider refinancing for different reasons, including changes in interest rates, loan features, financial circumstances, access to equity or changing future plans.
A review of your existing loan can help you understand whether there are alternative options worth considering.
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