Melbourne’s Best Independent Mortgage Broker – available 7 days a week
Melbourne’s Best Independent Mortgage Broker – available 7 days a week
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Our independent mortgage broker is available to chat to you online and help you find an unbeatable deal. Talk to a real mortgage broker today.
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Call us now on 03 8804 1354 to talk to a mortgage broker Melbourne and we can help you achieve your financial goals
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Alternatively, provide your contact information and a mortgage broker will contact you as soon as possible.
Are you a first-time investor starting out in the real estate game? Or an experienced landlord looking to expand your portfolio? While the market is rife with plenty of investment opportunities, getting expert help along the way is always a smart move.
At What If We Finance, our mortgage experts help you unlock the power of investment property. Whether you’re buying one or multiple properties, developing a property, buying off the plan or building multiple homes our experience will take the stress out of finance so you can focus on what is important to you.
Rates for investment property loans are usually at least 0.5% to 0.75% higher than standard rates. So, for example, if today’s averate rate for a primary residence is at 2.125%, you can expect rates for investment properties to start around 2.625% to 2.875%.
Keep in mind that standard rates are based on the profile of prime borrowers and other determining factors such as credit score, cash reserves, debt-to-income ratio and loan-to-value ratio on the investment property.
That’s why average rates for investment property loans should be used as a benchmark online. When buying an investment property, be sure to compare quotes from lenders and consult and investment property mortgage broker to find the best deal for you.
Investment property loan requirements and terms are different compared to standard home loans. For instance, lenders tend to be stingier with loans for investment properties as the risks of default and foreclosure are higher. The guidelines for approval also won’t be as lenient as those for a primary residence. The same goes for investment property refinancing.
If you are thinking of arranging investment property loans, consult your trusted investment property mortgage broker. They will help speed up the process and secure a suitable loan that minimises risks and maximises returns.
While it’s hard to escape high interest rates on investment property loans, there are ways to ensure you get the best deal possible such as making a bigger down payment, improving your credit score, and comparing rates from various lenders.
What If We Finance can help you with the third method as we work with a wide network of lenders to let you secure the best possible loan for your financial situation
What If We Finance’s friendly and experienced team of mortgage brokers work with your best interests at heart – consistently sourcing the best deals to suit your investment. We help you understand both your short-term and long-term goals by assessing your financial situation, comparing investment loans and negotiating with lenders on your behalf.
From searching properties to applications to settlements – our mortgage broker will help you through the entire investment property process. We also keep you updated on industry changes and negotiate better rates if your circumstances change.
Fill out our website’s contact form. You will get an automated email response or a text message. We will get to you as soon as we can! You can also choose to call our landline number to directly speak with one of our mortgage brokers.
Meetings can be scheduled over phone, email, video conferencing app or in person.
We will guide you through the different phases in the mortgage loan process: pre-approval, shopping for a house, applying for a mortgage, processing the loan and underwriting and closing. We ensure a smooth home-buying process in Melbourne with our independent mortgage broker services.
At What If We Finance, we know there is more to home loans and good mortgages than just the interest rate. Our mortgage broker looks at a range of other factors and considers how they relate to you and your circumstances. We get to know you, your goals and your situation before finding the right home loan to suit your needs. We are motivated by your best interests and offer the benefit of over 2 decades of experience.
We also don’t stop at making your life easy during the home loan process, we stick with you for many years to come. When it’s time to review your home loan’s health, we will re-assess if you can get a better deal and help make it happen. Should you need to buy elsewhere or refinance, we’ll be there too.
Our first-class service is reflected in our leading client testimonials from Google Reviews and Word of Mouth Online Reviews.
Every year, we make the property purchase dreams of our clients come true. Let’s make your dream home one step closer to reality. Fill out our contact form below for any concerns or enquiries about the mortgage options available to you.
What If We finance is a mortgage broker who is also Melbourne's leading independent mortgage broker and is available 7 days a week. Our service is free and since 2008 we have helped home loan refinancers, home buyers and property investors find an unbeatable deal. Your mortgage broker What If We Finance does all the legwork and we take the stress out of finance so you can focus on the important things.
Melbourne's best mortgage broker What If We Finance helps you save both time and money. Our service is free, we are available 7 days a week and we help you find an unbeatable deal.We provide you with access to different lenders, rates and loan types — offering you options that a traditional bank cannot. Once you choose a loan that suits your specific needs, a mortgage broker ensures things happen on time and you’re fully informed at every step of the process.
Does What If We Finance charge fees?
Our services are completely free of charge. We are paid a fixed commission fee by the lender of your choice, fully disclosed to you.
At What If We Finance, we don’t forget you after your loan has settled. We will continue to be there for any concerns or queries on your part. We can also help you switch products or modify your loan. Each year, we review your loan to see if it still suits your needs. If it doesn’t, we do our best to negotiate and secure a better rate from your lender.
What If We Finance Pty Ltd. | ABN 72 911 794 625 | Aust Credit Licence 389609 | Privacy Policy
