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The answer is simple – with a mortgage broker you get more choice and almost certainly a better deal.

Don’t hang around waiting for appointments – we don’t have to meet with you to get an application started.

You will be dealing with experienced professionals,  all of our mortgage brokers hold a Diploma in Financial Services.

Home loans are not a sideline for us, we don’t do real estate, conveyancing, accounting or financial planning – we specialise in nothing but home loans.   Our mortgage brokers have access to lending policy and assessment calculators,  not just the silly ones on their public websites. We use the same calculators that the person approving your home loan will be using.  We also usually discuss your scenario with various lenders in order to ensure that we are on the right track to home loan application approval.

The idea is to find you the home loan that offers the best value with the features and flexibility that you require now and into the future.  Your mortgage broker will listen to you and provide information and answers to all of your questions.  Fixed interest rates,  break fees, offset accounts, or repayment holidays, just to name a few.  It is our job to assist you in making an informed decision and we have a legal responsibility to ensure your loan is suitable.

Peach staff mortgage brokers receive no financial incentive to offer one loan over another.

That’s right, our mortgage brokers are paid a flat hourly rate with no upfront or trail commission. In fact the only bonus our mortgage brokers are paid is when you, the client compliment us for a job well done.

Lenders only pay us if your application is successful

So it simply isn’t in anyone’s interest to submit applications that are not going to succeed.  After all we end up doing work for nothing and you end up with a damaged credit history. As a result, we will methodically check your income and your situation to ensure that it fits with what the lender expects. Only then will we submit an application.

With around half of all new loans now written by mortgage brokers and the added protection of the National Consumer Credit Protection legislation – there is little doubt that mortgage broker’s offer a better experience and potentially real savings for their clients. However many brokers are now outsourcing their processing in order to save money while we prefer to maintain control of the process meaning you are dealing with Peach staff at all times.

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