Alex Andreadis - Loan Market

58% of Australian homeowners don't fully understand their own mortgage.

Not understanding can mean paying more interest, dragging out your loan, or triggering costs you didn't see coming.

Swipe to see the five concepts most likely to be costing you and what they actually mean.

Your reasons are yours. We're just here to see if there's a better deal on the finance.

A broker works for you, not the showroom.

Whatever's driving the decision (four legs or otherwise), reach out, and we'll find the finance to match.

First-time commercial buyers often underestimate how long the process takes 🏢

Between finance preparation, due diligence, valuations and settlement, three to six months is a realistic window from decision to keys.

The investors who move the fastest are the ones who start the finance conversation before they find the property.

The bank isn't lending you money based on today's interest rate.
They're testing whether you could still afford your repayments if rates went up. Different lenders apply different buffers, so it is important to be matched with the right lender; however, it is often around 3% on top of whatever you're being offered.

So that's the stress test, and it's why some people get knocked back even when they can "afford" the loan on paper.

It's not a gotcha. It's actually sensible. But it does mean your borrowing capacity may be lower than the headline rate suggests.
Know your number before you fall in love with a purchase.

If you want us to run the numbers on your specific circumstances, reach out 👇

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