Mortgage Broker in Keilor East, VIC 3033
We're Keilor East Mortgage Brokers helping locals get a new loan or refinance their existing loan
Rated 5 from 134 Reviews
Rated 5 from 134 Reviews
At The Funding Agency, we understand that buying property in Keilor East, VIC 3033 is a significant milestone. As a leading Finance & Mortgage Broker, we take pride in helping locals and residents navigate the journey to homeownership with ease and confidence. Whether you're buying a home for the first time or considering an investment loan, our team is committed to providing you with access to loan options from banks and lenders across Australia. Our goal is to simplify the application process, enhance your borrowing capacity, and ensure a smooth transition into your new home or investment.
A key aspect of securing a home loan is understanding the various loan options and interest rates available. At The Funding Agency, we offer guidance on both fixed interest rate loans and variable loan rates, enabling you to make informed decisions that align with your financial situation. We help you weigh the pros and cons of each option, including calculating loan repayments and considering the impact of interest rate fluctuations on your future finances. Accessing Loan options tailored to your needs could mean the difference between affordability and financial strain, especially with the right interest rate discounts.
Another critical factor when applying for a loan is managing your credit history. A strong credit profile can significantly influence the loan amount you qualify for and ultimately affect the terms of your loan, including the lenders mortgage insurance (LMI). We work closely with you to assess your credit history and provide strategies to improve it if needed. Additionally, we offer insights on how the loan to value ratio (LVR) will impact your borrowing power and options for reducing LMI costs. Our team understands that every client's needs and circumstances are unique, and we tailor our approach to suit your specific financial situation.
The local property market in Keilor East plays a vital role in shaping your home-buying decisions. We stay updated on the trends and shifts within the suburb, ensuring that you have the latest information at your fingertips. Our knowledge of the Keilor East market allows us to offer advice on property prices, potential investment opportunities, and the ideal time to buy. This insight is invaluable when calculating costs like stamp duty and considering the potential for future growth in home equity.
Completing a loan application involves more than just filling out forms—it's about understanding every detail, from bank statements to offset accounts. At The Funding Agency, we streamline the application process, making it efficient and straightforward. Our experts guide you through each step, ensuring you know how to apply for a loan and achieve loan pre-approval with confidence. Getting pre-approved not only provides peace of mind but also puts you in a stronger negotiating position when purchasing a property in Keilor East.
To summarise, The Funding Agency is dedicated to helping you achieve your property dreams in Keilor East. By understanding the local market, exploring different loan options, and managing financial intricacies, we equip you with the tools needed for successful homeownership. We invite you to take the first step today. Contact our team to discuss your home loan needs, and let us make the process of buying a home in this vibrant suburb as seamless as possible.
Start with a conversation with one of our expert Finance & Mortgage Brokers in Keilor East. We take the time to understand your financial goals and objectives. The broker will look to gain an understanding of your short term and long term plans.
To get started, we’ll request key information and documents such as income statements, bank records, and identification. Our team will guide you through the required paperwork to ensure a smooth process.
We conduct a thorough review of your financial situation like how a bank would. We assess your income, assets, liabilities, spending history and credit history. Based on this, we design a finance plan tailored to your needs, ensuring you maximise your borrowing potential and secure the most suitable loan structure. We will work with you to present the best possible options and discuss how your financial position impacts these options.
Once everything is in place and we have all relevant information and signed application documents, we will submit your loan application to the selected lender. We manage the process end-to-end, liaising with the bank or funder to ensure a seamless experience. We will keep you up to date with emails throughout the journey.
Once your loan is approved, we’ll guide you through the formal documentation process and the relevant steps towards settlement!
As settlement approaches, we coordinate with all relevant parties—your lender, solicitor, and real estate agent—to ensure a smooth transaction. Once your loan is settled we will complete relevant checks to ensure that everything has been set up correctly (with your help)
Our relationship doesn’t end at settlement. We provide ongoing support through our **Customer Care Program**, helping you manage repayments, review interest rates, and explore refinancing or investment opportunities as your needs evolve.
At The Funding Agency, we are Finance & Mortgage Brokers in Keilor East specialising in providing tailored financial solutions for residential and commercial property investors, property developers, and business owners across Australia. With extensive experience in the finance industry, we understand the complexities of securing capital for ambitious projects and strategic growth.
Our team combines industry expertise with innovative strategies to deliver funding solutions that align with your unique objectives. Whether you're developing residential properties, investing in residential and commercial properties, or scaling your business, we provide access to competitive finance options that maximise your opportunity and returns.
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Alex Bogart King
I've done 5 or 6 refinances now through Dean and Bobby, easily the best in the business. If you're frustrated with the banks, go and see these guys... They are masters at navigating bank world and figuring out what's most suitable for you.
TM
Tayla McHale
Dean and the team were simply amazing. I approached Dean as I was looking to purchase my first home and had absolutely no knowledge of the process. Dean was very patient and made everything very easy to understand in turn making the process ...
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Oshani Withanage
Bobby and the team were extremely helpful, professional and accommodating in assisting me purchase my first home. Having them do all the heavy lifting made it a seamless experience for me which I’m grateful for. Would definitely recommend to all friends and family!
We provide a range of funding solutions, including development finance, residential and commercial property loans, business loans, and asset finance.
Yes, we provide private lending solutions for borrowers who may not meet traditional bank criteria, as well as tailored development finance for residential and commercial projects.
The timeline varies depending on the complexity of your application. Some loans can be approved within 24-48 hours, while larger or more complex funding may take longer
Interest rates and fees vary based on the loan type, risk assessment, and market conditions. Contact us for a personalised quote.
Eligibility depends on the type of funding you need. We assess factors such as financial history, creditworthiness, income, and project feasibility.
Yes, we offer pre-approvals to help you understand your borrowing capacity before committing to a loan.
Yes, early repayments are allowed on most loans, but some may have exit fees or break costs. We will outline any applicable fees upfront.
Typically, you’ll need identification, financial statements, tax returns, business plans (if applicable), and details about the asset or project you’re funding.
Yes, we assess applications holistically. While credit history is a factor, we also consider business performance, cash flow, and collateral.
You can start by filling out our online application form, calling our team, or booking a consultation to discuss your funding needs.
The Trustee for M2 FINANCIAL UNIT TRUST ABN: 82 394 905 612. Credit Representative #560421 is authorised under Australian Credit License #383640.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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