Mortgage Advice by Mortgage Experts

Mortgage Experts is a mortgage broker that also provides free no obligation online mortgage advice. We pride ourselves on our superior lending policy knowledge which we use to help our clients secure the right loan the first time. We have access to over 20 lenders including all the major banks. If you are enquiring about a new home loan or mortgage please feel free to contact us to discuss your unique situation. If you want general mortgage advice please feel free to post your questions in The Mortgage Forum. We endevour to answer all posts as quickly as we can. Our lending specialities - how we can help:  * Investors - do you need a bit more than just a loan? A large percentage of our clients are investors. One of our main strengths and points of difference from other mortgage brokers and branch lenders is our practical loan structuring advice. We help our investor clients achieve their investing goals while also providing advice on loan set ups that provide maximum future flexibility and control. * Don't have a large deposit saved? No genuine savings? We specialise in high loan to value ratio (LVR) loans such as, 95% home loans and 95% investment loans. We also have 90% home loans options for those with gifted deposits and no savings history. If you have access to funds for a deposit and are currently renting there may be options available to you right now even for 95 percent loans. * Need finance for an unusual property type? We have options for financing small apartments, company title properties, multiple properties or units on one title, high rise units, inner city apartments and luxury property with higher loan to value ratios. Lenders have very different policies when it comes to unusual property types. * Employment situation or irregular income holding you back? If you are recently self employed, on a probationary period, an IT or mining contractor, casually employed for less than 12 months or earning commission, bonus or overtime income we can often help you secure the loan you want. Lenders all have different policies and thus treat unique or unusual income or employment situations differently. * Lenders or other brokers saying they can't help you? We love helping credit worthy borrowers who have had a lender or another mortgage broker say they couldn't help. Even if you have had your loan declined by a lender we can sometimes help. Just because one lender doesn't want to do a loan for you does not mean all lenders will feel the same way. If you think you should be able to get a loan talk us. Don't take their word for it get a qualified second opinion. * Considering a fixed rate loan? Why not talk to a mortgage broker who has been through a few interest rate cycles themselves. Our principal Mortgage Broker, Marty can provide you with the information you need to make the right choices when it comes to opting for a whole or part fixed rate loan. * Let us show you how we could potentially save you thousands of dollars in lender mortgage insurance (LMI). Choosing the right lender and loan structure to minimise or even avoid lenders mortgage insurance costs (LMI) in some cases is one our niches. It is not uncommon for us to save a client upwards of $5000 in mortgage insurance costs. * Need a Lo Doc loan? Are you self employed but don't have all your paperwork up to date? Lo doc loans and alternative documentation loans are still available. We have various options that may fit with your situation such as no BAS statement lo doc loans and lo doc loans with no no mortgage insurance. * Got a property development idea? We have access to non bank lenders who provide Development finance often with no pre sale requirements and who also use the Gross Realisation Value method to determine their maximum lend rather than the traditional bank method of using a fixed percentage of hard costs. Ideally suited to those seeking between $2M and and $5M.

Bigger discounts available on home loans now available!

Lenders are really going after new business at the moment. The discounts we are seeing clients get for larger loans with a reasonable deposit or equity are unprecedented.

Discounts currently available:

* Variable rates from 6.41% pa!

* 3 year fixed rates start from 5.99% pa!

* 5 year fixed rates start from 6.50% pa!

* Do you have a large loan portfolio? Let us negotiate for you!

Check out the Current Mortgage Rates page for more indicative interest rates.

There has never been a better time to let us go into bat for you. Contact us today to lock in your discounts before the lenders have a rethink on their margins!

Mortgage Experts - Our story

Mortgage Experts is a mortgage broker set up to provide our clients mortgage broking services throughout Australia without the need for face to face appointments (although we offer this for Sydney based clients). 

When dealing with Mortgage Experts your enquiry will be dealt with by a true mortgage broker expert from the outset so you will be confident that you are getting the right information and advice. With years of hands on experience we will quickly work with you to determine which lenders will approve your loan and from there work with you to decide on the best lender and loan.

Mortgage Experts is managed by Marty McDonald who is also our principal mortgage broker and an Australian Credit Licensee. Marty has over 8 years at the coal face experience as a mortgage broker and has helped over 1000 individuals and families with their loan needs in that time. Mortgage Experts has offices located in Willoughby on Sydney's North Shore and has IT and loan processing admin support based in Melbourne.

Are Mortgage Experts different from other mortgage brokers?

Yes we think so. We are very good at getting loans approved.

We focus on knowing the different lenders' and mortgage insurers' policies back to front and inside out. This means we have a better understanding than most other mortgage brokers when it comes to which lender will approve your loan application and which ones won't. We use this knowledge to get your loan approved the first time and to get you the best deal possible.

Unlike a lot of our competitors we also don't play favourites with lenders. Did you know that many of the most proficient mortgage brokers in the country use one main lender which they send over 70% of their clients to? Mortgage Experts on the other hand doesn't try and make a borrower fit with a lender but finds a lender that fits with a borrower.

Mortgage Experts - what we actually do:

• Assess which lenders will likely approve your loan application from a panel of over 20 lenders (including all the major banks)
• Find you a great deal from that short list of lenders
• Provide loan structuring advice to minimise your future hassles and give you maximum flexibility
• Help with all the loan application paper work
• Help with the First Home Owners Grant (FHOG) if applicable
• Help guide you through the whole loan process
• Provide after settlement mortgage advice as needed 

Mortgage Advice by Mortgage Experts

Being the sharing souls we are we also offer free no obligation mortgage advice to those of you who may just want some general mortgage advice rather than actually enquiring about a loan. We don't expect you to use our services just because we give you free mortgage advice although you are free to do so. We also promise we won't spam you forever if you ask us a question! Just let us know that you just have a general mortgage advice question and we will be more than happy to assist with our opinion / mortgage advice. We believe in the power of sharing! Even better post your mortgage advice related question anonymously in our mortgage forum.

Mortgage Advice is an area where we really can really add value for a borrower. Yes we can often get you a better deal on your next home loan but where we really come into the fore is making sure your loans are set up correctly for the future. This is especially true for investors with more than one property.

This site is a great resource for mortgage advice and may already have the answers to your questions. If you can't find what you are looking for check out the mortgage advice forum and feel free to post your question there. You can also search this site using the "search this site" box near the top left of this page.

Enquire online, contact us over the phone on _1300-711-054_ or
ask us a question on our forum.