A Professional Lender

Knowing what to look for in a mortgage broker is an essential part to securing the right loan for your finance needs. Your mortgage broker will act as your very own loan expert; making sure you understand the loan repayments, loan features, fees and charges of your home loan. Our broke's knowledge and understanding of the real estate market puts you at an advantage when bidding at auction or negotiating on your new home. Secure Funding brokers also has access to a wide variety of loan programs from a panel of banks and secure lenders comparing fees, charges and loan features to best suit your lifestyle.

Your home loan is a large - and often long-term - financial commitment so it makes sense to get it right first time. What's right for you will depend on a range of factors including the size of the loan you require, the property you intend to purchase, the deposit you have and your lifestyle. Your Secure Funding mortgage broker can help you compare rates, loan features, fees and charges to help you secure the right home loan for your needs. Secure Funding brokers have access to more than 800 home loan products and will help you compare home loan interest rates, fees and charges to ensure you get the best home loan deal for your financial situation.

Before you start shopping for a home, you need to work with a lender to get pre-approved for a mortgage. Pre-approval is basically a promise from the lender that you're qualified to borrow up to a certain amount of money at a specific interest rate. This promise is subject to a property appraisal and other conditions. In the pre-approval process, the lender looks closely at your credit and verifies your income (as opposed to pre-qualification, for which your information is not verified). The lender then gives you a pre-approval letter, which says that your loan will be approved once you make a purchase offer on a home, and once you submit the following documents – the purchase contract, the preliminary title information, the appraisal, and your income and asset documentation. Pre-approval means that the lender is confident that you can make the necessary down payment and that your income is sufficient to cover the mortgage payments.