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What is a Mortgage Broker?

A Mortgage Broker is a go-between between the borrower and the lender (usually a bank), who negotiates the loan on your behalf.

They will do the legwork on researching products on the market from the hundreds available, and then support you through the application and settlement process.

They generally charge the borrower nothing for their service, as brokers are paid a commission by the lender when the mortgage is settled.

What are the benefits of using a Broker?

There are a number of benefits to using a broker, particularly through the application process.

Firstly, they can shop around for you. Everyone knows shopping around could lead to a better deal but it’s time consuming, especially if it involves contacting a number of banks and lenders. A broker can search the range of loans available from multiple lenders very quickly to find you the right home loan for your needs.

They also provide you with one central point for mortgage information and will talk you through the process.

All banks have different guidelines, and unless you’re familiar with them you can find yourself not getting a loan - just because you haven’t crossed a ‘t’ or dotted an ‘i’.

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Aren't Brokers just for First Home Buyers?

Forging a relationship with a mortgage broker can make all of those decisions much easier.

Your financial circumstances can evolve over time, so can the products and services available for you to choose from. You may want to fix part of your loan, refinance or perhaps buy an investment property.

Mortgage Brokers are there to help you purchase your first home, but also can be valuable to you again in the future, whether to help you with information to finance your next home, buy an investment property or refinance your existing home loan.



Lydia's story

"I cannot recommend Carl and Aussie high enough. Every potential home buyer should meet with Aussie when considering a loan. They were un-biased with their comparisons and only interested in the best loan to suit me and my needs."

Loan Amount:$250,000Read Lydia's story



¹Aussie awarded Mortgage Broker of the Year in 2008, 2009, 2010, 2011, 2012, 2013 & 2014 by AB+F Magazine.

## Rates valid as of 08/10/13 and are subject to change or we may introduce new ones in the future. Approved customers only. All applications are subject to lending and approval criteria. Terms, conditions, fees and charges apply. Interest rate offered will depend on our assessment criteria.

** The comparison rate is based on an unsecured personal loan of $30,000 over 5 yrs. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any information is general and not based on any consideration of your objectives, financial situation or needs.

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*E.g. Aussie Select Basic Variable Rate has an interest rate of 4.69% p.a. with a comparison rate of 4.70% p.a., which is available with a loan to valuation ratio of less than or equal to 80% and borrowings from $1,000,000. Based on a loan size of $300,000, the interest rate is 4.84% p.a. with a comparison rate of 4.85% p.a., which is available with a loan to valuation ratio of less than or equal to 80% and borrowings less than $500,000. Applications are subject to approval. Conditions, fees and charges apply. Rates are correct as at 01/07/14 but subject to change. Please check the applicable rates are still correct with your Aussie Mortgage Broker. Comparison rates above are based on a home loan of $150,000 for 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. If you have any questions call 1300 44 55 66 and talk to an expert Aussie Mortgage Broker. For Aussie Select Products credit services are provided by AHL Investments Pty Ltd ACN 105 265 861, (Aussie) Australian Credit Licence 246786 and its appointed credit representatives. Credit is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133.

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