The goal of any loan is to pay it off as quickly as possible. We actually want you to go debt free as soon as possible! The term ‘washing down the debt’ is language we like to use in mortgage broking, and we believe a goal worth aspiring to is to have your loan paid off in 15 years. Engaging a Mortgage Broker is a very different experience to going to your local bank for a home loan. We act in your best interests and want to see you thrive when it comes to paying off your home, not just survive!
We pride ourselves on great customer service, and work around the clock to keep things moving forward. Whether we see you in your home or meet over Zoom, our hours are based around you.
Rates, policy and lender incentives are always changing and it’s our job as your mortgage broker to stay on top of this in order to provide you with the loan that best suits your needs and objectives. Our service is about finding you the right loan for you with the right structure.
We do the research and then educate our clients to make intelligent decisions. We believe it is vital that you understand the details of any financial commitment, before entering into it when it comes to mortgage-broking.
Whether it is a home for you and your family, or an investment property, let Churchill Finance Group assist you in making the biggest financial decision of your life.
Why Choose Us:
– We work for YOU, not the banks
– We get to know you, your goals and objectives
– We cater our recommendations accordingly
– It is about what’s right for you, not the lender
– We are your main point of contact, not the lender
– We have access to a comprehensive panel of lenders
– We are fast and efficient
When was your last home loan health check?
Circumstances can change, leaving your home loan less suitable than it was originally. A home loan health check can reveal if you’re paying too much.
What’s involved?
Your finance broker can do a full home loan health check for you either in person or over the phone. They will check if your loan is still competitive and still suited to your individual needs.
Having an expert do this for you can also take the stress out of the process for you. It is advisable to get this check done at least once a year, or if your circumstances change.
Questions to ask
Be aware of what you want checked. Think about the following when you speak to your broker:
Am I paying an unreasonably high interest rate?
Am I paying high fees?
Am I happy with the service I receive?
Does my loan give me the features I need?
Am I paying for features I don’t use?
Have my financial circumstances changed?
Benefits
A home loan health check will generally cost you nothing and could save you thousands. Your home loan features could be improved, or you could find yourself with a lower interest rate. A better payment structure could also be introduced, making your repayments more manageable.
Checking the state of your current loan could uncover the possibility of taking out additional finance, which can consolidate any other debt you may have, or help you purchase an investment property.
Choose us to be your Australian Mortgage Brokers and we’ll work hard to help you get the home loan that suits your needs and is in your best interests.
Need to calculate your mortgage repayments? Our Mortgage Broking team recommends THIS Mortgage Repayment Calculator