Looking for a local Mortgage Broker Knox?
At Jacob Decru Mortgage Brokers Knox, we've helped over 3000 locals with their home loans. Today we're looking at why working with a local Knox broker matters.
Are you looking to buy a home in Knox, invest in the area, or refinance your existing mortgage?
Around 70% of all Australians now use a Mortgage Broker, as it makes your home loan process a lot easier and often much faster! We negotiate with over 60 lenders from a wide range of products, so you don't have to.
And the best part is that we work for you, not the banks.
At Jacob Decru Mortgage Brokers, we've in-depth knowledge of the Knox housing market and lending industry, offering tailored advice to suit your current and desired future lifestyle.
So, let's dive in and help you get the home loan you want and need.
Need home loan help in Knox? Just get in touch.
- Contact Page: https://broker.loanmarket.com.au/jacob-decru/contact/
- Email Jacob directly: jacobdecru@gmail.com
- Call us: 0423 713 362
See our 5-star Google reviews!
5 Reasons To Use A Local Knox Mortgage Broker
Navigating the world of mortgages and types of loans can be daunting; talking to multiple banks and individual lenders and trying to compare apples and oranges can be quite an ordeal - especially for first-time home buyers or if you haven't been through the process for many years.
That's why over 70% of Aussies now use a Mortgage Broker, as having a mortgage broker by your side can make all the difference. We work closely with you to understand your financial situation, check credit scores, get pre-approval quickly - and help you secure the home loan you need.
And the best part is our services are totally free.
Let's dive a little deeper:
1) Expert Advice
A home loan is usually the biggest loan you will ever have in your life - and it needs to be managed with care. Understanding the type of loan, potential cost savings over the loan term, knowing if variable rate or a fixed-rate mortgage is best, determining if you need an offset account for renovations - there is a lot to consider.
We also need to look at your total housing costs to work out a repayment plan that still gives you the freedom to live the life you want.
Mortgage brokers like our team work on home loans day in and day out, from first home buyers to commercial property loans and construction loans; we're experts in the local Knox area. In fact, over the last 10 years, we've helped more than 3000 locals with their loans, with hundreds of glowing 5-star reviews.
However, it's the next point that gets us all of the great reviews.
2) We Save You Time & Stress
Life is busy. That's why our mortgage brokers can offer the convenience of meeting you at your location, be it your home or office, at a coffee shop, etc, saving you time and hassle from visiting banks and lenders all over Melbourne.
Additionally, and a critical step to save you time, our team takes care of almost all of the loan application paperwork for you, streamlining the entire process so you can focus on your homeownership goals and not the stress of trying to get every detail right on a piece of paper or online application.
3) The Best Loan Options
With access to over 60 lenders and an array of loan types for different needs, our mortgage brokers can help you explore loan options that suit your needs—not loans that don't. We consider factors like interest rates, repayment terms, and unique features of each option to help you choose wisely.
4) We Make Your Applications Easy
The application process can feel daunting, especially for first-time home buyers or it's been a while since you last went through the home loan process. A mortgage broker can simplify things for you and assist you in completing the paperwork. Jacob Decru and his team walk you through the entire application process, saving time and minimising the chances of mistakes, which are major causes of home loan delays.
5) Zero Fees or Costs
Unlike banks that often impose fees for their services, such as a loan application fee, our Knox mortgage brokers are completely free of charge. We receive a commission from the lender upon the completion of your loan. This means our services come at no cost to you, providing you with industry knowledge and assistance without any expenses. In essence, engaging a mortgage broker presents numerous benefits compared to dealing with a bank.
We can also help with government incentives, guiding you through the options, including grants like the First Home Owner Grant. Our goal is to ensure that you're informed about all incentives and help you with the application process to maximise your benefits and borrowing capacity.
Whether you're a first-time homebuyer looking to refinance your mortgage or an experienced property investor, our team of mortgage brokers at Jacob Decru is here to provide expert guidance and support to help you reach your objectives. With access to a range of lenders offering rates from over 60 lenders, our personalised service and broad lender network make us a valuable partner on your mortgage journey.
Need home loan help in Knox? Just get in touch.
Contact Page: https://broker.loanmarket.com.au/jacob-decru/contact/
Email Jacob directly: jacobdecru@gmail.com
Call us: 0423 713 362
See our 5-star Google reviews!
Who Do Our Local Knox Mortgage Brokers Help?
Are you wondering if you need a mortgage broker? There are many reasons to engage one, whether you are new to the market or a savvy investor. We can help with the process and application side. A mortgage broker, in essence, helps you make more educated decisions—and we help a wide range of clients in the Knox area.
Here are some of the clients we help:
Knox First Home Buyers
Finding the perfect Knox first home can be daunting, and that's before you walk into a single bank for pre-approval or start the home loan application process. That's why we think you'll love our simple, expert advice from our local mortgage broking company. We help make the entire process hassle-free. Be sure to see our client testimonials, many of which are first home buyers.
Knox Home Buyers
If you're looking to upgrade, downgrade, or side-grade your Knox home and need financing or refinancing, our local team has helped others transition seamlessly with market-leading loan rates, all without having to deal with the major banks or others in the lending industry. If you know the lending process, we can simply be your negotiation team or let our experienced team help you with a loan health check.
We know that juggling a home change can be extremely stressful and that bridging loans can come with many catches. So please just get in touch with Jacob and his team today on 0423 713 362 if you are looking to switch homes. We can help make the process a lot less stressful.
Knox Investment Buyers
Of course, not all investment properties or blocks of vacant land are great investments, and often, to get the best returns, you'll need to have the right mortgage advisors who know the area and growth potential. You also need to consider rates, renovation costs, and overheads like stamp duty, insurance, etc. As local investors ourselves and independent mortgage brokers, our team can help you get financing for your first, or fifth investment property while optimising your returns.
Knox Home Refinancing
Have your circumstances changed, maybe a new job or addition to the family? Perhaps your fixed loan term is up? Or you might even want to kick off those long-awaited renovations on your home. Lots of people refinance for different reasons; let our loan specialists provide honest advice and help you get the most competitive rates. We can also point you to our brilliant free online mortgage calculators so you can see what extra payments look like and if you need to make any adjustments in lending.
Knox Construction Financing
Even with the best plans and project managers, building a new home or starting a major construction project can present many unknowns and unexpected challenges. This is where mortgage broking experience really counts to help you remove the financial unknowns and play a pivotal role in your construction project.
Knox Self-Employed People
People with non-traditional income sources, like self-employed individuals, business owners or freelancers, might need specialised assistance in finding mortgage options that consider their income structure and individual situation. This is where our highly experienced, licensed mortgage broker team can help, from home loans to commercial loans. Jacob and his team truly understand the challenges self-employed people face, so just get in touch on 0423 713 362 if you are self-employed.
Home Loans For Knox Professionals
Professional home loans in Australia are specialised loans designed for people who can be classified as "professionals" by lenders. These loans typically offer benefits such as lower interest rates, higher borrowing limits, and more flexible terms compared to standard home loans. To qualify for a professional home loan, borrowers usually need to be in certain professions, such as doctors, lawyers, accountants, engineers or other high-income earners. Just get in touch if you are a professional looking for financing.
Knox Clients with Unique Financial Situations
Mortgage brokers can help clients with unique financial circumstances, such as those with a history of poor credit or irregular income, where, for example, other lending institutions have knocked you back. We have a track record and access to loads of mortgage products, and we can often find a lender who is willing to work with you and provide the mortgage services you need. This is also where Jacob and his, who have in-depth banking and finance experience, really shine!
Need home loan help in Knox? Just get in touch.
Contact Page: https://broker.loanmarket.com.au/jacob-decru/contact/
Email Jacob directly: jacobdecru@gmail.com
Call us: 0423 713 362
See our 5-star Google reviews!
How Do Our Mortgage Brokers Get The Best Deals?
Every home loan application is governed by multiple Australian authorities, such as the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC), plus some other regulators.
So, when it comes to getting the best rates and terms, it really comes down to best understanding your financial situation and finding the most favourable terms.
Here's how we do it:
1. Financial Assessment
A good mortgage broker will typically start by assessing your financial situation, whether you're a first-time home buyer or buying your fifth investment property. This includes analysing your assets, income, expenses, potential savings, credit history, employment history, and overall financial readiness, as well as using responsible lending questionnaires to determine how much you can afford to borrow with the various loan types available. At this stage, we can also provide unofficial financial advice and credit advice to get you on track if you need it. Our goal is to have long-lasting relationships with our clients so that you can call us for your next home, too!
2. Mortgage Pre-Approval
Brokers like Jacob Decru Mortgage Agents help you get a fast pre-approved for a mortgage, and understand every loan process step in detail. Our job involves working with over 60 lenders to obtain conditional approval for a loan amount, which can give you a much clearer idea of their budget when house hunting.
Pre-approval is vital if you are still looking for the right home, as you can move a lot faster and have a ot more negation power with real-estate agents and sellers.
3. Comparison Shopping
Our mortgage brokers compare loans and finance options from over 60 lenders, including major banks, regional banks, specialty lenders, and more. This is how we help you find competitive interest rates and favourable loan terms for your borrowing power. Having a range of options is key when you are looking at lending solutions, including commercial lending across fixed-rate loans and variable loans.
5. Paperwork and Application
Mortgage brokers like our team are experts at assisting with the preparation and submission of mortgage applications, and that's what makes our range of services so valuable. We can help you gather the necessary documents and ensure that the application is completed accurately and promptly to reduce the stress and time it takes to finance your home, investment property, or renovations.
6. Negotiation
Experienced brokers like Jacob Decru are experts at negotiating with lenders on your behalf to secure the best possible terms for your mortgage. Whether you're a first-time home buyer in Knox or you are looking for your fifth investment property loan, we're industry experts who can help.
7. Simplifying the Process
Buying a home involves complex paperwork and processes. Mortgage brokers simplify the process by guiding you through each step and answering any questions you may have. From pre-approval to finding the most competitive market rates, accessing your current lender, and performing the best mortgage comparisons around, our award-winning mortgage services are all about making your life easier.
8. Ongoing Support
Our Knox mortgage broker services continue after your mortgage is approved. Jacob and his team continue to offer support, answer questions, and help with any issues that arise during the settlement process or during loan repayments, such as regularly checking in or looking into refinancing for the best rate home loans with genuine and bespoke finance home loan advice if your situation changes.
Why is Knox 3152 a great place to buy a home or investment property?
Knox, in the state of Victoria in Australia, is a great place to buy a home or investment property for many reasons. Here are a few reasons to be looking at Knox real estate, commercial real estate, property like residential land and more if you are looking to build:
Location
Knox 3152 is located in the eastern suburbs of Melbourne and is known for its family-friendly atmosphere, good schools, and easy access to the city via public transport or major highways.
Property Market
The property market in Knox 3152 has shown steady growth over the years, making it a potentially lucrative area for property investment.
Amenities
Knox 3152 offers a range of amenities, such as shopping centres, parks, recreational facilities, and restaurants, providing residents with a convenient and comfortable lifestyle.
Future Development
The area is experiencing ongoing development and infrastructure improvements, which could increase property values in the future.
Community
Knox has a strong sense of community, with many local parks, events, clubs and activities that bring the local Knox residents together.
Overall, Knox in the 3152 postcode offers a desirable combination of location, amenities, and potential for growth, making it an excellent choice for buying a home or investment property.
Being in a prime location, Knox properties are often more resilient to market fluctuations than other areas. However, the real estate market can be complex and subject to various factors, including economic fluctuations, market trends, and policy changes.
Need home loan help in Knox? Just get in touch.
Contact Page: https://broker.loanmarket.com.au/jacob-decru/contact/
Email Jacob directly: jacobdecru@gmail.com
Call us: 0423 713 362
See our 5-star Google reviews!
How Do You Find The Best Knox Mortgage Broker?
When searching for a Knox mortgage broker, several important factors to consider are the following: Below are the crucial steps to find a local mortgage broker with proven experience and in-depth knowledge of home purchasing and refinancing procedures.
Seek Out Recommendations
Before making any decisions, it's important to seek advice from friends, family, and possibly real estate agents you trust who have previously worked with mortgage brokers. Hearing about experiences can offer insights to help you make informed decisions.
Use Online Resources
When looking for a loan, use directories and review sites to discover reputable mortgage brokers in your local Knox area. These platforms often feature customer reviews and ratings that can give you an idea of the broker's reputation and service quality.
See our 5-star Google reviews!
Check Licensing and Accreditation
Before finalising your decision on a Knox mortgage broker, ensure that they are appropriately licensed and authorised to provide mortgage advice. It's also essential to check if the broker has access to a variety of lenders and loan products so that you can explore options when selecting a loan.
Meet With Potential Brokers
Once you have narrowed down your choices to brokers, consider scheduling meetings with them to learn more about their backgrounds. Ask about their experience, the services they offer, and their fee structure. This initial step is crucial for evaluating their suitability for your needs and determining if they are a match for you.
By following these guidelines, you can ensure that you select a mortgage broker who not only meets your criteria, whether it's your home or an investment property, but also provides personalised support throughout the entire mortgage process, offering individualised assistance and attention every step of the way.
5 Quick Tips For Helping Your Mortgage Broker
When you choose to work with a mortgage broker, you should absolutely expect a great experience. However, there are things you will need to do within the process, such as sending information to help your broker find the right loan for you.
Here's a guide on working with mortgage brokers:
1) Collecting Your Information
To get the loan process underway, we will need to gather details to gauge your borrowing capacity. You will also be requested to complete a lending survey to help us understand your requirements and goals. The quicker you can complete these, the faster we can find the ideal lender for your needs.
2) Choosing Your Lender
Our mortgage brokers will create a report outlining the loan choices available to you, along with details like monthly payment amounts, interest rates, terms, and other essential information regarding your proposed mortgage. We'll also explain the home loan products and lender-specific regulations so that you can select the option for your unique situation. Choosing the lender, however, comes down to you; we can only guide you in finding the best options for your needs.
3) Speedy Communications
As we walk you through each step of securing a mortgage and ensure that you fully understand the process and steps, having speedy communications can make all the difference. Jacob and his team are always reachable by phone, email and in person. We only ask that you respond as soon as possible to any information requests so we can avoid holding up your pre-approval or approval.
Working alongside a mortgage broker, you can gain access to a diverse selection of loan choices and receive expert assistance every step of the way. Opting for a seasoned mortgage broker assures you that you are in good hands, carefully considering only the most suitable mortgage options available.
FAQs
Why should I choose a local Knox mortgage broker?
Choosing to work with a mortgage broker like Jacob and his team has many benefits. We provide access to over 60 lenders and can find you the best home loan options at competitive rates. Additionally, we simplify the entire process by handling the application and can guide you through government incentives and grants that may be available.
How can I find the best mortgage broker for my needs?
It's crucial to take into account a mortgage broker's experience reviews on Google, understanding of the Knox housing and lending markets and their licensing status. You can seek recommendations from friends, family, and look at online reviews like Google.
What should I expect when working with a mortgage broker?
You should expect a great customer experience while working with a mortgage broker. We manage much of the process to remove the stress. This includes gathering details about your situation and objectives, presenting reports featuring loan options, and guiding you through each stage of the mortgage process.
What does a mortgage broker in Knox cost?
With Jacob and his team, our services are totally free; we simply take a commission from the lender you choose. This is why around 70% of Aussies now use a mortgage broker rather than going directly to the banks. Mortgage brokers are not only free, but they also make your life and home loan a lot easier.
We hope this article helped. Please get in touch today if you are in Knox or looking to buy in the area!
Contact Page: https://broker.loanmarket.com.au/jacob-decru/contact/
Email Jacob directly: jacobdecru@gmail.com
Call us: 0423 713 362