Why Get Pre-approved?
When you are ready to buy your home, make sure you are really ready. Get a mortgage broker to work out with you what you can afford and get some real assessment of your situation so you know you can negotiate with comfort.
We have had plenty of situations where we have had to pull a rabbit out of a hat to make something work for clients who “thought they would be alright” because they got a loan 4-5 years ago and have not missed a repayment. However – how long you have been employed, the type of employment (casual, contract, part time etc) the size of your deposit – even where you are buying all make massive impacts on whether it can be done.
Also – it helps you know you can negotiate hard with an agent to get it done without that “grey uncertainty” hanging over you.
Brisbane Home Loans can also get pricing discounts arranged upfront to make sure you get the best out of the banks and improve your bottom line. After all the whole idea is to repay your debt as fast as you can – the mortgage is just the vehicle to use to get you into what you want – your home! And with vehicles, as you know – some are just lemons and can cost you a lot along the way. Let us help you get a better deal before you start getting serious!
Patrick Cranshaw, a Certified Mortgage Professional for over 21 years, founded North Brisbane Home Loans in 2002. His career began with ANZ Bank in New Zealand, where he progressed over 16 years to a Business Banking role in Virginia. After moving to Brisbane in 2000, Patrick led the QLD market for a home loan agency, helped set up the REMAX Real Estate Finance division, and practiced as a broker.
