Finance advice
Anton Hamer

Top 10 questions to ask a mortgage broker

By Anton Hamer

Before you go to get your next investment property loan, make sure you ask your broker these 10 simple questions to ensure you're getting the best deal

Blogger: Anton Hamer, Plan Assist Property Team

So you want to shop around but don’t know where to get good Home Loan advice. If you are just starting out, it’s crucial to find an experienced Mortgage Broker, one that will give you solid loan advice. Before you pick up the phone and start ringing, below is a safe list of the Top 10 Questions to ask a Mortgage Broker before you hand over your trust.

1. Is the broker an MFAA Credit Advisor?
An MFAA Member has achieved a set education and experience level, abides by a strict Code of Practice, which is the first step to providing sound advice.

2. Which lenders do the brokers have on their ‘books’?
Some brokers may be able to offer loan products from over 30 different institutions, while others may only consider products from a couple of lenders. The larger and more varied the choice of lenders, the better variety of solutions you will have access to for your project.

3. How does the broker get paid?
Make sure that the broker does not let the size of the commission they will be paid, cloud their judgement. Some lenders pay higher commissions, brokers should not favour these over others. Brokers should disclose all commissions.

4. What types of fees does the broker charge?
Ask the broker to clearly specify what fees and charges you will incur by using their service, and you should check what extra services you are receiving for the extra fee you may be paying. This can range from zero to thousands of dollars depending on the loan proposal.

5. Ask the broker how they compare loans and how do they determine which loan is best for you?
Make sure the broker can provide a clear explanation of the methodology and criteria they use. They should only offer you products which clearly suit your needs.

6. Find out the Loan Comparison (or true) rate of the loans recommended to you.
This rate takes into account the loan interest rate as well as upfront and ongoing fees and charges, to give a better indication of the actual cost of the loan.

7. Ask if the broker is a lender themselves.
You don’t want a broker recommending loans to you if they offer their own loans unless you can be guaranteed that they will always recommend the best loan for your situation and do not lean towards their own.

8. Ask for proof of their professional qualifications and information on their experience, or references from other clients.
All qualified brokers will have certificates confirming their qualifications and professional memberships.

9. Does the broker have professional indemnity insurance?
Make sure they do. This covers them in the event that they are sued for negligence or breach of professional duty.

10. Ask what privacy guidelines they follow when handling your information.
They should comply with the new Privacy Act Credit Reporting provisions and the national Principals for the handling of Personal information.
If you are unsure as to whether or not your broker ticks all of the boxes, ask the right questions to find the right answers and if you are still unsure perhaps shop around.

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About the Blogger

Anton Hamer

Anton Hamer

Anton Hamer is Director at Plan Assist Property Team alongside renowned property investor, Harry Charalambous. Together they have built Plan Assist to be one of Australia’s leading resources for property services,  providing Property Investors with an end-to-end property investment service and incorporating Finance, Property Mentoring & Membership, Buyer’s Agency, Project Management and Construction services.

With over 20 years of financing property purchases and assisting over 1,000 property deals as a Licensed Mortgage Broker, Anton is a Property Investor Specialist Mortgage Broker focussed on a holistic property strategy, aimed at achieving wealth through property.

 

FROM THE WEB

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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RELATED AREAS OF INTEREST:

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How the Australian property marketplace could change
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Why buying new property doesn’t mean buying better property
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  ["title"]=>
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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