Whether you’re buying a home or refinancing an existing mortgage, it’s always a good idea to be sure you’re getting the best possible option available.

Before you walk into your local bank branch and accept whatever home loan they have available, you should take the time to compare the options available.

Of course, if you’re like most people you don’t have the time to compare all the home loan products available from every bank out there.

But we do!

Choosing the Right Loan

Your personal financial situation isn’t the same as anyone else’s. Your income and expenses are unique to your household, so it’s strongly advised to be sure your home loan is suited to your individual circumstances.

While well-meaning friends and family might recommend a particular type of mortgage or a particular lender that worked well for them, always remember that their financial situation isn’t the same as yours.

That’s why it’s a good idea to discuss your financial needs with a specialist financing company. Your home loan specialist can help you tailor the right home loan to suit your financial situation and your future goals.

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Getting the Right Home Loan Structure

Just as your home loan needs to be the right one to suit your individual needs, your financial structure also needs to be tailored to suit your personal financial goals.

Many home loans come with a range of features that may be ideal for you. At the same time, other types of home loans may not work for your needs.

It’s important you discuss your preferences and your financial needs with a professional financing consultant to ensure you choose the right type of finance structure.

Getting the Best Deal

When it comes to shopping around for the best home loan to suit you, it’s likely you’ll focus on the interest rates advertised by the lender. However, have you also taken the time to check what other fees and charges might apply to your accounts?

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What’s more, your own local bank might not always have the most competitive options available, so you could be missing out on potential savings each month.

There’s also the potential of packaging your banking products together to save even more money on monthly fees and charges.

Before you make your decision to apply for a home loan to purchase a home or to refinance your existing mortgage, take the time to speak to a specialist financing consultant.

The professional team at Empire Financial Group Australia has access to a great panel of different lenders, which gives us access to a vast range of home loan products with the most competitive rates available. We can also help to tailor the right home loan packaging to suit your future financial goals.

Your Empire Financial Group consultant can walk you through the entire mortgage application process, including ensuring you have the correct documentation needed to improve your approval success rate.

We’ll be there for you to help explain the mortgage documentation and we’ll also be there to ensure the settlement process is as smooth as possible.

Our aim is to streamline the home loan process for you. Call us today and book an appointment with one of our specialist consultants.