Why do I need a broker?

You need a mortgage broker to give you easy access to all the lenders and loan products in the market. Seeing a broker is like visiting all the banks and looking at hundreds of loans at the same time.

How are you different to other brokers?

We take the time to understand your lifestyle goals and borrowing objectives.  But then we go a few steps further to help you make the right decision.  We give you all the information you need in simple language that is easy to understand – we call it your “Borrowing Plan”.  Click link for more:  What we do

Does it cost me?

Our service is absolutely free. We are paid by the lender and not by you.

What do your Clients say about you?

We survey our Clients and nearly 100% say they are “definitely satisfied”  with our overall service.  Click the link to see what they are saying about us:  Testimonials

There’s lots of paperwork, can you help us?

We can help you with paperwork and filling out forms with “FastDoc” – it’s just 3 simple steps. All you need is internet banking and scanner for your documents.  We then do all the paperwork and complete all the forms for you.

Do I use solicitor or conveyancer?

Solicitors and conveyancers are very different.  And it is important to have the right one on your team, to avoid paying too much while still getting the advice you need.  Click here to understand the difference:  Solicitor or Conveyancer?

I run my own business can you help me?

People who run their own business know lenders make you jump through many hoops when applying for a home, investment or business loan. You may not have all the usual documentation to apply for finance. Click here to see how we can help you:  Business Finance

Should I refinance?

No, we can get a better deal from your current bank. Refinancing is one of the most important financial decisions you will make.  So it’s important you get the right advice from someone you can trust:  Click here for the 7 most common questions people ask when refinancing:  7 most common questions

Do I have to change banks?

No, we can get a better deal from your current bank. We have long term relationships with all the banks and always try to get a better from your current bank first. If that doesn’t work, we will then find you the best deals from other lenders for you to choose from.

How do I buy property with a low deposit?

Many first time buyers are earning enough to borrow money but only have a low deposit to enter the property market.  We can show you how a guarantee allows your parents to use the equity in their home as security for your new loan. This means you can avoid paying lenders’ mortgage insurance when purchasing your property.  Read more here:  Buy property with low deposit

Will you help me in the future?

Most brokers don’t talk to you again or send stupid group emails.  We are happy to help you in the future. During the life of your new loan interest rates will change plus your goals may change over the years ahead. We will talk to you regularly to make sure you have the right lender and loan package in-place over the coming years.

I’m self employed and have tax debt?

We understand what it’s like to be self-employed.  Even though the banks won’t let you borrow to pay-off tax debt, there are other lenders who do.  We make sure we understand your business finance requirements and then find the right lender and finance package for you.  Click here to read more: Refinancing Tax Debt

Can you help me buy at auction?

When you are bidding at auction it’s important to be confident to send a strong message to your opponent that you’re there to buy the property at all costs.  The first step is knowing your absolute maximum purchase price and having your finance pre-approved before you go to the auction.  Click here to see how we can help you at auctions: Biggest Auction Mistakes

What’s happening with interest rates?

Following the RBA’s interest rate movements is only part of the picture when it comes to interest rates.  At Craig Tracey Lending we will keep you up-to-date with RBA interest rates.  But more importantly, we will post regular articles to make sure you always know what’s happening with interest rates and how they will effect you: When will rates start to rise?

What does it all mean?

Don’t know your LMI from your LVR to your CGT?  We explain the A to Z of borrowing terminology here:  A to Z borrowing terminology