Mortgage Broking

Purchasing property needn’t be a complicated affair. By choosing the right mortgage broker, you can avoid the hassle, stress and hours involved in finding and taking out a home loan for your property of choice.

If you’re looking for a mortgage broker in the Whitsundays, Eclipse Mortgage Broking offers a comprehensive mortgage broking service, going beyond simply the search of loan databases. From the first step to the final hurdle, we can guide you through the process and provide you with financial advice to set you on the right path.

We are your most trusted source for home loans in Airlie Beach, Cannonvale, Bowen and other surrounding areas of the Whitsundays. With our assistance, you can get the financing you need to purchase the residential or commercial property of your dreams and never look back.

How can a mortgage broker in the Whitsundays help me?

A mortgage broker is the medium between a mortgage lender and you, the home buyer. Working with a range of lenders and credit providers, including all the major banks, and having an expert grasp of the variety of home loan products out there, a mortgage broker works on your behalf to find the loan you need and secure it for you.

If you’re looking for home loans in the Whitsundays, there are countless lenders and products out there competing for your attention and, ultimately, your clienthood. How can you know which is the most effective one? Even more pertinently, how can you know which one is right for your particular situation? Figuring this out can be a costly, time-consuming process, and even then, without the experience and knowledge of a professional you may not get it right.

Eclipse Mortgage Broking has the experience and connections to help ensure this doesn’t happen. We have a choice of over 200 loan packages from more than 30 major lenders to find the one to suit you. Our two lending consultants, Rick Vonhoff and Justin Butler, are members of the Centrepoint Lending Solutions Pty Ltd, and the Finance Brokers Association of Australia and Mortgage and Finance Association of Australia, respectively.

We offer a personalised service to our customers, where we will sit down and talk to you to understand your needs. Only in this way can we get you the most advantageous home loan product and make sure it’s structured to fit your particular situation and requirements, potentially avoiding the need for costly refinancing later down the line.

And because we’re a local business, we know the area inside out. We understand the factors involved in buying or investing in property in a regional area and can advise you accordingly.

A mortgage broker’s service is not simply for the first-time buyer green around the ears. Whether you’re a buyer looking for real estate to permanently call your home, a business owner looking for a commercial property, or a home owner aiming at property investment in the Whitsundays, a broker can help you secure finance.

What kind of assistance does Eclipse Mortgage Broking offer?

At Eclipse Mortgage Broking, we use our expertise in financial matters in order to help formulate the right mortgage strategy. Our advisers will first look at your assets, debts, tax position and financial goals. From here, they will provide you with guidance to minimise interest and help ensure your loans are structured to accelerate debt repayment and maximise tax deductions.

Once the strategy is clear, we can gauge which product features would be the most beneficial to your situation. Our approved panel of lenders can offer you anything from offset accounts and redraw access, to internet and branch access.

We will then review the myriad of different loan options from our approved panel of lenders, taking into account aspects such as the features attached, interest rates and associated fees and charges. We will recommend the most competitive product that suits your needs. For instance, if you are a contractor or self-employed, we may recommend applying for a low-doc loan that may be most suited to your particular financial situation.

Finally, we will take you through the application and approval process, organising the loan application and making sure you have the right supporting documentation. We will analyse your situation and compare it to the lender’s application approval criteria, submit the application and guide you the rest of the way through approval and settlement.

Best of all, we know the local area, so we’re experts on home loans in the Whitsundays and our advisers have an intimate knowledge of local bank structures. If you’re in the area and need assistance with a mortgage, come in and talk to our friendly team.

Call us on 4946 7359 or email for an appointment.

 

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