FAQs
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General
Why Choose Us as Your Mortgage Broker/Finance strategist?
- Expert Guidance: With extensive knowledge of the mortgage market, we navigate the complexities for you. Whether you’re a first-time homebuyer or a seasoned investor, our expert advice ensures you get the best possible deal.
- Access to Multiple Lenders: Unlike banks that offer limited options, we have relationships with a wide range of lenders. This gives you access to more competitive rates and tailored mortgage solutions that fit your specific needs.
- Tailored Solutions: We understand that every client is unique. Our team works closely with you to analyze your financial situation and long-term goals, finding the best mortgage product to suit your circumstances.
- Time-Saving Convenience: We handle all the legwork for you—from gathering paperwork to negotiating terms—so you can focus on what matters most. We simplify the entire mortgage process, saving you valuable time and reducing stress.
- Unbiased Advice: As independent brokers, we work for you—not the lender. Our advice is unbiased, always keeping your best interests at the forefront to ensure you secure the most favorable loan terms.
- Strong Negotiation Skills: Our industry connections and knowledge give us the upper hand when negotiating rates and terms on your behalf. We strive to lock in the best deals that suit your financial goals.
- Ongoing Support: Our relationship doesn’t end when you sign the paperwork. We’re here for the long term, offering ongoing support throughout the life of your mortgage, whether it’s for refinancing, early payoffs, or future property purchases.
Does Strategic Brokers charge any fees?
We do not charge a fee for residential home loans, as we receive compensation from the lenders. Typically, this means no fees are charged for most loans. Working with our finance strategist will not lead to a higher interest rate from lenders; in fact, we often secure competitive discounts for larger loans.
For commercial or business loans, a brokerage fee may apply depending on the transaction.
If any fees do apply, we will provide you with a credit quote and ensure that they are discussed and agreed upon prior to the engagement of our services
What is the process for applying for a loan?
Our finance strategists handle all the heavy lifting for you. Your only responsibility is to complete the application and provide the necessary documents.
From there, we conduct a preliminary assessment and present you with a selection of loan options.
Once you decide on a lender, we submit the loan directly into their system online for fast approval.
How long does the approval process take?
With our expertise, we can complete the preliminary assessment in 24-48 hours, provided you submit all the necessary documents at once.
Once you approve our proposal, we can sometimes secure loan approval in just a few hours. However, most lenders typically have assessment timeframes that range from a few days to, in some cases, a few weeks. Please get in touch with us so we can evaluate your situation and provide you with a precise approval timeframe.
If you need urgent approval due to an upcoming auction or a deadline for a cooling-off period on your purchase, please inform our team, and they can prioritise your application.
In which regions or areas do you offer your services?
Our finance strategists assist clients across Australia, securing loan approvals in all states and territories. Our clients also include overseas buyers who invest in Australian properties.
We chose to have our operations in one main office in Sydney with highly trained staff to enhance our effectiveness.
For successful home loan approvals, it’s best to choose an expert mortgage broker rather than a local one.
Which banks or lenders do you partner with?
We collaborate with a wide range of lenders, including major banks, second and third-tier lenders, as well as private funders and credit syndicates. Our finance strategists are well-versed in the policies of over 40 lenders, meaning that even if your situation is somewhat unconventional, there are usually several lenders willing to consider your application.
This extensive array of options enables us to select a bank that aligns with your needs and provides a competitive loan package.
Regardless of your circumstances, there is typically a lender available to assist you!
I don’t meet the typical criteria set by banks. Can you still provide credit assistance?
Our finance strategists excel at tackling challenges and thinking creatively! We often discover solutions for even the most complex and difficult situations.
This ability comes from our extensive knowledge of lending policies and our familiarity with lenders who have flexible criteria. If you’ve been turned down by traditional banks, we can help you find alternative lenders who will approve your home loan.
