Why Choose a Brett Caine Mortgages Broker over going directly to the bank? There are are 3 main reasons why millions of Australians are turning to brokers for their mortgage needs.

1. Choice: A Broker has a large number of funding sources from banks and non bank lenders to find you the best deal. Your bank can only offer what they have available. What’s more is, they may not have a Mortgage to suit your needs, In which case they might offer you what’s best for the bank. Not you, the person.

2. Service: Bankers are only available Monday to Friday 9am to 5pm. You can contact your broker not only during business hours but after hours and even on weekends. Brokers and Bankers motivations are completely different. Firstly bankers are on Salary and the Bank’s first responsibility is to it’s share holders. Where as a Broker is generally not on salary and doesn’t get paid until you get your mortgage. So it’s in the Broker’s best interest keep you the client happy and get you the best deal possible.

3. Convenience: With the previous 2 points in mind, sure you could walk into 10 different banks and speak to 10 different bankers about their individual loan products where they all use different terms and jargon to explain the products and how they work and walk away with hundreds of loan products to read about and decipher. Only to apply for your loan to then be knocked back due to some untold “policy” by the bank and you’re back at square one again. Where as your broker will be able to give you information about suitable products in no time at all and handle all the paperwork for you to ensure a smooth and timely transaction without all the other stress.