Mortgages

How much does it cost to use a Mortgage Broker?

Nothing, we are paid directly by the lenders. You’ve nothing to lose by contacting us.

At Structured Mortgages our emphasis is on just that, ensuring you get the right loan structure in place. Whether your aim is to pay down your loan as quickly as possible, looking to borrow in the future for investment purposes or set up a loan facility under a family trust for taxation purposes, we will ensure that your loan is structured correctly the first time avoiding unnecessary costs and delays.

Structured Mortgages is aligned with a Financial Planning and Property Division. What does this mean to you? We ensure what may be your biggest purchase is prepared in line with your wealth creation plans for the future. It also makes sense to have the one dedicated team arrange the finance from the start to ensuring you get the right property and tenants in the future.

Have you found the banks difficult to deal with? You wouldn’t be the first or last to feel frustrated with their processes and lack of individual service. Structured Mortgages deal with all the lenders on your behalf. We know what is required to get the job done as efficiently as possible and keep you informed throughout the loan process. Our job is to make your job easier.

Thinking of changing jobs? Have an old default that is causing problems with obtaining credit? Don’t have a deposit? Purchasing a new home but haven’t sold your existing one yet? All banks have different criteria when it comes to their credit policies. As mortgage professionals it is our role to understand this and know which lenders are suited to different circumstances and place your loan accordingly.

Whether deciding to use a line of credit or an offset account, understanding the limitations of a fixed interest rate, obtaining knowledge about the possible implications of purchasing a property with a friend or family member; these are just some of the examples where Structured Mortgages can help explain the range of financial implications and benefits of specific loan products.

Wanting the lowest interest rate available? Sometimes the loan with the lowest interest rate is not always the right loan for your individual needs. Understanding the implications of deferred establishment fees, costs involved with using a redraw facility, ongoing loan maintenance fee’s, internet or branch access options; these are just some of the key criteria that Structured Mortgages considers in ensuring you get the right loan structure in place from the very onset. Structured Mortgages helps you understand the whole picture as opposed to just the interest rate.