Your Free
Consultation
Let’s Talk About Your Financial Future
Let’s Talk
Dive into the world of finance with the comfort of knowing you have a guide. At Lockyer Valley Finance Brokers, we’re all about helping you decode the complexities of your financial journey. Let’s start with a conversation. A free, no-obligation consultation to understand you and your financial dreams better.
Fill out the form, call us on 0432 593 822 or email
info@lockyervalleyfinancebrokers.com.au to get in touch.
During our consultation, we’ll discuss your financial situation in detail, answer your queries, and explore potential strategies. Think of it as the beginning of a partnership, a personalized journey towards your financial freedom.
Please ensure you keep updated with Lockyer Valley Finance Brokers by liking and following us in Social Media via: https://www.facebook.com/lockyervalleyfinancebrokers
Fill out this form and we’ll be in touch
We Work for you
Here’s the best part: this service is completely free for you. That’s right. We get paid by banks for introducing happy clients, so there’s no fee from us. It’s like having a personal financial guide, at no cost!
We always act in your best interests!
Frequently Asked Questions
Broker Questions
What does a mortgage broker do?
A mortgage broker acts as a bridge between you and potential lenders. We understand your financial needs, explore the market, and find a mortgage product that fits your situation best. Think of us as your personal finance team, making your financial journey hassle-free.
How are mortgage brokers paid in Australia?
Mortgage brokers in Australia are typically paid by the lender, not by you. We receive a commission from the lender when we help them find a suitable customer—that’s you! This means you get the benefit of our services at no cost.
Is your consultation really free?
Yes, it is! At Lockyer Valley Finance Brokers, we believe that everyone deserves access to competitive loan products having secured partnership with over 20 bank and non-bank lenders offering you hundreds of loan options. That’s why we offer a free consultation with no obligations.
How does Lockyer Valley Finance Brokers ensure they’re acting in my best interests?
We’re legally obligated to act in your best interests. This means we explore all suitable options and present them to you, explaining each one’s benefits and drawbacks. We work for you, not the lenders.
Will you help me understand all the financial jargon?
Absolutely! We believe in empowering our clients by explaining everything in simple, clear terms. You’ll know what every option means, so you can make informed decisions.
I’m not ready to apply for a mortgage yet. Can I still consult with you?
Of course! It’s never too early to start planning for your financial future. We can help you understand what you’ll need when the time comes to apply for a mortgage.
Mortgage Questions
What’s the maximum amount I can borrow?
The amount you can borrow largely depends on your income, your expenses, and the current interest rates. Our Borrowing Power Calculator can give you a rough estimate. For a more precise figure, it’s best to get in touch with us for a personalized assessment.
How does my credit history impact how much I can borrow?
Your credit history is a crucial factor lenders consider when deciding how much to lend. A strong credit history shows you’ve been reliable with credit in the past, which can increase how much you’re able to borrow. A poor credit history, on the other hand, might limit your borrowing capacity.
Can I use my home’s equity as a deposit?
Yes, you can often use the equity in your current home as a deposit for another property. This equity is the difference between your home’s current value and the remaining balance on your mortgage.
What’s the First Home Owner Grant (FHOG) and am I eligible?
The First Home Owner Grant (FHOG) is a national scheme funded by the states and territories to help first home buyers. Eligibility criteria can vary by state, so it’s best to check the specific requirements where you live.
What other costs are involved in the mortgage process?
In addition to your deposit, there are other costs to consider when buying a home. These include stamp duty, conveyancing fees, building and pest inspection fees, and loan establishment fees. We can help you understand these costs during your consultation.
How long does pre-approval last?
Generally, mortgage pre-approval lasts for 90 days, depending on the lender. It’s important to note that pre-approval is not a guarantee of a loan. It’s an indication of how much a lender might be willing to lend you based on your financial situation.