So you have decided you want to buy a new property and need to organize finance. With over 1000 home loans available to Melbourne Home Loan customers do you have the time to find the best deal for you?

Like most of us the answer is No. Home loans are becoming more and more complicated, quoted interest rates are not the true interest rate so you have decided to use the services of an expert – a Mortgage Broker.

Using a Mortgage Broker delivers the following benefits to you:

1.       A simplified way of understanding and evaluating home loan products

2.       A Mortgage Broker saves you time

3.       To ease the stress of the home loan application process

4.       To obtain truely independent advice about the bestproduct that suits your needs. Most large Mortgage Brokers in Australia are owned, controlled or affiliated witha major bank. So ask yourself am I getting truely independent advice?

5.       To get a better deal

All Mortgage Brokers have access to calculators which allow you to access 1000’s of home. The real value that a Mortgage Broker delivers is the ability to deliver independent advice and recommendations. Anybody can operate a calculator.

Leading Melbourne Mortgage Broker What If We Finance CEO Spiro Kolokithas says “ the larger mortgage brokers are similar to a fast food chain. They claim to serve customers and meet their interests but if you have a major shareholder that is a major bank or shareholders not happy with the return on investment or mortgage brokers being expelled for not meeting industry standards how objective is the advice you are getting?”

What If We Finance recommends you ask your mortgage brokers if the meet industry standards and also if they are truely independent? The  Global Financial Crisis and the shrinking of competition in the Melbourne Home Loan Market means you may still be ultimately dealing with a major bank.

Alternatively contact  What If We Finance and see why not all Mortgage Brokers are created equal.