Need an advisor on Home Loans

- Gold Coast based?

Home Loans Gold Coast aims to refer you to expert providers of information about Home Loans on the Gold Coast. There are many companies that can provide a home loan. So which one should you choose?

We will connect you to the companies on the Gold Coast that can look after your lending needs. Request an appointment with our preferred company by clicking on the preferred company box to the side.

Before you do that we have four tips to help you get started.

1. Get references and choose a home loan advisor

Mortgage Brokers do not charge a fee and are paid by the banks. Our preferred mortgage Broker can always provide you with references of satisfied clients. We recommend that you ask for these regardless of whom you choose.

2. Get all your paperwork ready

It makes the process much faster, smoother and accurate if you have your identification and income paperwork with you when you visit a Mortgage Broker. You can always ask them to email you a copy of exactly what they require.

3. Find out how much you can borrow before looking at Property.

Many people will go and look at property, find one they love and then be really disappointed when they can’t get finance. We recommend that you see a Mortgage Broker and find out exactly how much you can afford before looking at any property. A mortgage broker can tell you which banks are more likely to lend to you given your situation. Each Bank has it’s own rules and so one bank may say you can afford a property worth $300,000 and another may say $400,000. This is particularly the case if you or your partner is self-employed, receiving benefits, working casually, or owns a business. So don’t assume that the bank will lend to you, even if you know you can afford it. The rules of lending have changed a lot over the last few years and are continuing to change

4. Research where you want to live and what you can buy in that area.

Now that you know how much you can borrow it is time to research either what is available for that price in the suburb you want to live or to find the suburbs that have the kind of property you want at that price. If you are struggling to find something in your price range then look at properties $10,000-$50,000 more then your maximum price and make them an offer of what you can afford. You have nothing to lose and can tell them the truth, that you love the property but the bank will only lend you up to the offer you have made.

Home Loans (Gold Coast based) preferred supplier is delighted to help you achieve your property dreams