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Our service is predominantly complimentary as Insight Finance Consultants are paid by the lenders for bringing the clients to them.

As with any loan or property fees, our Finance Consultants go to great lengths to ensure that you have a full understanding of the costs of borrowing funds and wherever possible try to reduce those costs. This ensures that you not only get great service but also save you money!

On occasion, in specific circumstances, we do charge a fee for service. If this is the case, we will discuss this with you and the fee will be agreed upon prior to commencing any work or negotiations on your behalf.

As of January 2019, brokers settled 59.1% of residential home loans in Australia, according to market share data sourced by the MFAA. Why do so many Australians use one?

• They can help pair a consumer with a home loan product and lender to best meet their needs
• They can be a valuable source of education and advice for consumers who need to navigate the often-overwhelming complexities of the home loan process
• They have the potential to introduce customers to more affordable products in some circumstances, on account of their reading of the market; they can also empower customers to bargain more confidently with lenders

In the majority of cases, a consumer’s access to a broker service is free of charge.

There’s often a difference between how much you can borrow and how much you should borrow.

A mortgage broker is required to make sure that they arrange a loan that suits your current and future financial circumstances, rather than simply encouraging you to borrow as much as possible.

They will also factor in your ability to repay your loan if interest rates rise.

A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.

Pre-approvals are usually valid from between three to six months. If your pre-approval expires before you find a property then we can generally apply for an extension.