Mortgage Broker in Springfield Lakes

At Ready Finance, we're Mortgage Brokers in Springfield Lakes helping you access loan options from banks across Australia

5.0

from 83 Reviews

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Get into your property sooner with help from your local Mortgage Broker in Springfield Lakes

Welcome to Ready Finance, your trusted mortgage broker in Springfield Lakes. We understand that buying a home is a significant milestone, and navigating the financial world can be daunting. We are dedicated to providing you with expert advice and personalised service. Whether you are a first-time homebuyer or looking to expand your property portfolio, we offer a wide range of loan options from banks and lenders across Australia. Our aim is to simplify the application process and help you secure the best possible interest rates tailored to your financial situation.

As a leading mortgage broker in Springfield Lakes, Ready Finance offers detailed insights into the local property market. With our extensive network, you can access exclusive loan options suited to your needs, whether you're applying for a home loan, an investment loan, or looking to use your home equity. Understanding how your credit history affects your borrowing capacity is crucial. We work closely with you to ensure you are well-informed, providing guidance on how a good credit history can influence loan amount and access to interest rate discounts. Our financial expertise ensures you are prepared to apply for a loan with confidence.

Navigating the complexities of lenders mortgage insurance (LMI), stamp duty, and loan to value ratio (LVR) can be challenging. These factors significantly impact your loan amount and terms. Our advisers explain these components clearly, helping you make informed decisions without unnecessary stress. From calculating loan repayments to understanding the differences between a variable interest rate and a fixed interest rate loan, our approach demystifies the process. Ready Finance supports you in balancing between variable loan rates and fixed interest rate loans, ensuring you choose the one that best matches your circumstances.

A streamlined application process is key to securing pre-approval efficiently. Ready Finance guides you through every step, from gathering necessary bank statements to submitting your loan application. Getting pre-approved provides a clearer picture of your borrowing capacity, allowing you to explore properties with confidence. We also explore options like offset accounts, which can reduce your loan interest rate and help manage repayments effectively. Knowing the right steps to take when applying for a loan not only saves time but empowers you to make financial decisions that align with your goals.

Choosing Ready Finance means partnering with a mortgage broker committed to finding the perfect loan solution for you. Our comprehensive understanding of the Springfield Lakes property landscape and broader Australian market allows us to offer expert advice and a personalised service tailored to your unique needs. Whether it’s getting a loan pre-approval, navigating the intricacies of home and investment loans, or understanding the impact of LVR on your loan options, we are here to simplify the process. Reach out today to start your journey towards securing your future in property with Ready Finance.

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As a Mortgage Broker in Springfield Lakes, we'll help you understand the types of loans

Navigating the different loan options can be overwhelming. Our detailed guide is here to demystify these options for Springfield Lakes residents, providing you with the clarity needed to make informed and confident financial choices.

Owner-Occupied Loans: Tailored for individuals planning to reside in their purchased property in Springfield Lakes, these loans often come with favourable interest rates and terms. This preference is due to lenders perceiving occupants as lower-risk borrowers.
Interest-Only Loans: This loan type requires borrowers to pay only the interest for a set period, usually five to ten years. It's important to note that while this arrangement may lower initial payments, it leads to increased financial obligations once you start paying off the principal.
Principal & Interest Loans: Designed to gradually reduce both the loan's interest and principal, these loans are structured to settle the debt entirely by the end of the term.
Variable Rate Loans: The interest rates for these loans change with market conditions, affecting your monthly repayments and the total cost of the loan over its lifespan.
Fixed vs Variable Rate Loans: Opting to fix your interest rate for a certain period, typically one to five years, ensures steady repayment amounts. After the fixed term, the loan usually converts to a variable rate, adjusting according to market trends.
Bridging Loans: Perfect for individuals transitioning between properties and waiting for their current home to sell. These short-term solutions act as a financial "bridge," albeit often at higher interest rates, and require repayment once the property is sold.

Grasping the unique benefits and characteristics of each loan type is essential. With a wide array of options available, tailored to meet varied needs and financial situations, finding the ideal loan that best suits your specific requirements is achievable.

Your Mortgage Brokers in Springfield Lakes

We are dedicated to delivering exceptional customer service while delivering the best home loan & other finance solutions available.

At Ready Finance, our mission is simple: to find finance solutions for our clients and provide outstanding customer service. Whether you’re looking for an investment loan, home loan, refinance, or car loan; you can be sure we will do our very best to find a solution to match your unique scenario.

Our philosophy puts your needs first. We believe offering exemplary customer service is integral to providing valuable finance solutions. With Ready Finance, you'll find a partner committed to guiding you through the financial maze, offering personalised assistance every step of the way.

Thank you for considering Ready Finance. We are here to make your financial journey a smooth and fulfilling experience and assist in achieving your financial goals.

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Our Recent Reviews

Ben and the team made the process of refinancing my mortgage easy. Was worried I wouldn’t be successful but they made it happen quickly and painlessly.

Jo Barton

We had an excellent experience with Ben. Despite our unique situation with a non-standard loan structure and the need for a guarantor, Ben was incredibly knowledgeable, patient, and proactive throughout the process. He took the time to explain every detail, presented us with options we hadn’t considered and made us feel confident in our decisions. Ben’s support and dedication made what could have been a complex process feel manageable and stress-free. We couldn’t be happier with the service and highly recommend him to anyone in need of expert mortgage guidance!

Jenina Andal

Ben is super experienced in his craft and can help with home buying journey of nearly any complexity!

Alex Chernov

Awesome mortgage broker and great supportive team.

Stephen Sulewski

Frequently Asked Questions

Why should I use a Mortgage Broker?

Brokers work as the intermediary between you and the lender. We work in your best interest to get you the best loan for your scenario. Your broker will be your single point of contact throughout the process; no more waiting on hold and explaining your situation to several different people.

You could potentially be wasting your time taking your application directly to the wrong bank for your scenario; instead let your broker get it right the first time.

At what point should I see a mortgage broker?

If you’re coming off a fixed rate, it is best to speak to a broker 4 to 6 weeks before the fixed rate expires. That way, you can ensure you don’t revert to a super high revert rate, and the transition to a new low-rate loan all happens at the right time.

If you’re looking to buy a home, it would be best to speak to a broker 2 weeks out from when you are going to start looking in earnest. The broker can then assess borrowing capacity, and check credit ratings, and eligibility before possibly helping with a pre-approval.

How much do mortgage brokers charge?

Our service to you is free of charge; we are paid by your chosen lender when your loan settles at no extra expense to you.

Is it better to use a mortgage broker?

There are benefits of using a broker compared to going directly to the bank. Most brokers work with several different banks, and if your scenario fits, the broker will find you the best deal with the cheapest rate.

If you use a broker at Ready, you will have one contact whom you can keep in touch with via text, call, or email; no waiting in call center queues, no need to explain your issue to the 3rd person in a row.

Sometimes, going directly to the bank, you can waste time by applying to a bank that won’t even consider your scenario. A good broker will be able to navigate the pitfalls and go to the right lender the first time around.

Can you help first home buyers?

Since navigating the home-buying process is already tough, we've made it a bit easier by gathering all the current grants, schemes, and discounts available to Australian first-home buyers in one place.

Do you get a better rate with a mortgage broker?

Brokers have access to over 30 different lenders, and finding the customer the best rate is something we always strive to achieve.

But not all lenders are equal. If I could offer you a straightforward application with minimum paperwork and a next-day approval versus a complex paperwork marathon to save $5 a month, which would you choose?

Request a Call Back

Name

Phone Number

Email Address

Contact

Ipswich, QLD

07 3608 5333

Ready Finance Group Pty Ltd ABN: 83 672 779 761. Credit Representative #534 137 is authorised under Australian Credit License #389 328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.