Owing to its metropolitan status, the development, the business opportunities and more, Melbourne is one of the most desirable cities to live in Australia. However, it is important to note that buying a home in Melbourne comes with its own set of challenges.
Ranking 79 on Bloomberg’s list of top 100 most expensive countries in the world, Melbourne has a relatively high cost of living. Therefore, buying a home in this city is not everyone’s cup of tea. This is where the role of a mortgage broker in Melbourne comes in. One such mortgage broker in Melbourne is Oz Lend.
Oz Lend is a mortgage broker in Melbourne that has an experience of over 16 years in the real estate lending industry. Most of our credit advisors have completed their diploma in mortgage broking and financial planning. They are thus qualified to help you with securing the best mortgage loan as per your economic conditions and loan requirements.Moreover, we are members of some of the most reputed organisations such as the Mortgage & Finance Association of Australia (MFAA) and Credit and Investments Ombudsman which makes us one of the most trustworthy mortgage brokers in Melbourne. This plus backing by the biggest mortgage industry aggregators — FAST — has given us access to over 30 individual lenders who provide a vast range of lending options to borrowers with different requirements at suitable interest rates.
While there is an abundance of brokers, Oz Lend is the best mortgage broker in Melbourne. The reasons for this stem out of our diverse services explored below.
Sometimes, a position may arise where the current home loan, obtained by an individual, starts feeling like a burden. This may happen due to various causes. Some of these reasons may be as follows:
- A very high interest rate that does not match with the person’s current economic situation
- A requirement for reduction in loan period in order to be debt free earlier
- Too many monthly repayment obligations
- Desire to extend the loan period to reduce monthly obligations
- Need for equity access to finance other investments
The only method to mitigate these is refinancing. Oz Lend uses its years of experience to make this complicated process simple. Our qualified advisors examine your current loan and its conditions to determine the viability of refinancing it. We further understand your objective behind getting the loan refinanced and provide the best advice as well as support accordingly.
Unlike a lot of other mortgage brokers, we don’t jump to conclusions without hearing your side of the story and analysing all the available alternatives. This makes us a better mortgage advisor than most others in Melbourne.
Purchasing a new home is just as cumbersome as it is exciting. It is a huge investment that requires loads of planning. Deciding on whether you need financial help to fund your purchase is one of the biggest decisions to make. But, if you decide in the affirmative, you may need to hire a professional to help you choose the right home loan and to minimise the risks associated with getting rejected by lenders.
Oz Lend helps you reach across to the right lenders who will look at your finances in a positive light and provide the right loan that suits your circumstances. We understand that securing a home loan is a cumbersome task and provide you advice and support throughout the journey. Apart from this, our credit advisors act as middlemen and provide hassle free services by reducing the time and inconvenience of having to work personally with multiple lenders. We thereby impart our knowledge, expertise and experience to make sure that the loan you obtain is perfect for you in each and every manner.
One major attribute that makes us the best mortgage broker in Melbourne is that we serve emergency service personnel such as police, paramedics and firefighters. While these personnel dedicate their lives towards public safety, they face major problems when it comes to finding lenders for home loans. This is mostly due to their irregular incomes that negates their ability to pay back the interest and undefined working hours that make it difficult for them to approach the right mortgage brokers.
Oz Lend helps emergency personnel secure the right home loans by approaching the correct lenders and making them understand your pay structure such that your loan gets approved on the first attempt. Additionally, our mortgage advisors provide an after hours service especially for emergency personnel to accommodate their irregular working hours and give them an opportunity to speak to our professionals, via Skype or in person, at a time convenient to them. Besides, we help highlight your risks before selecting a home loan so that you don’t end up selecting the wrong loan that may worsen your financial conditions. We are mortgage brokers in Melbourne who adapt a more humane approach and donate $100 of the remuneration we receive once your home loan settles to a Victorian charity that helps emergency service personnel who get injured during the process of performing their duties.
All these reasons pointers prove that we are one of the best mortgage brokers in Melbourne. No other mortgage advisor in Melbourne can compare to our exceptional services. The major USP is that we look at all aspects of your life and communicate effectively to understand your apprehensions before suggesting the right plan of action to you.
If you are actively looking for mortgage brokers and mortgage advisors in Melbourne, Oz Lend is the right choice. We assist with home loans for emergency personnel as well as basic individuals.
Call us today to book an appointment.
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