Alpha Mortgage Solutions

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The Right  Home Loan Structure Can Save You $$$

Are you a first home buyer looking for a better home loan deal or an investor looking to structure your mortgage? Has your bank said no? if you have answered yes to any of these, then you have come to the right place.  Choosing a home loan can be confusing as there are hundreds of home loan products and many lenders to choose from.  At Alpha Mortgage Solutions we will help you to find a lender that has the right home or investment loan for you.  

We are a Mortgage Broking service and have access to over 25 lenders and hundreds of home loan products.  Our site has lots of basic information to help with your research, however by contacting us we can provide much more and our service is free, (some of our lenders do have fees).

 

Why Use a Mortgage Broker & Not Go Straight To The Lender?

Savings!

A Mortgage Broker will be aware of the specials that the various lenders put out on home loans, as they are provided with daily updates.  This is like visiting a one stop shop and is a lot less time consuming than doing the run around your self.  It then gives you more time to do the research in finding your new home or investment property; lets say it is a little like outsourcing that big companies do to save time and money. 

A lender will only tell you about their own loan products, further they will most likely set you up in a home loan that will have initial appeal, however will in 12 mths convert to a loan that is not so appealing.  It is in the brokers best interest to let you know if a better home loan is available even with another lender to help you with mortgage reduction; therefore they will keep you up to date over the years to come. 

The lender often does not let the borrower know even if they have a new product of their own that might be more suitable as they will loose money,  it is therefore in their best interest to keep you in an outdated product.  The Broker will make commissions from the new lender so it is in their best interest to make sure you are kept in an up to date home or investment loan.

Lenders also have a habit of structuring the loan/s to lock you in which is especially burdensome for investors; they will cross collateralise the properties.  This makes it extremely difficult to incorporate another lender once you have reached your lending limit with that lender (the lender will only expose themselves so far with a borrower before capping the lending amount).  The borrower is then faced with a huge expense to incorporate another lender (due to properties being cross collateralised) or have to refinance.  The Mortgage Broker is not concerned if they need to introduce another lender for you, so they will structure the loans so that you are not locked in with the one lender. 

 

Professional & Friendly Service

At Alpha Mortgage Solutions we provide a free service as both your Mortgage Broker and adviser, we aim to help you find the home loan most suitable for your requirements.  Our access to a panel of lenders provides you a one stop shop, and with our superior software we can organize comparisons to help you choose the best home loan option. 

We not only assist you in finding the right home loan we prepare and submit the application on your behalf, keeping you up to date on the progress of your loan throughout the process.  Are you a first home buyer? no problems we will assist you in the preparation and submission for the first home buyers grant.  There is a fair amount of information and important links throughout this site, however we suggest you contact us so that we can provide the maximum assistance.  Our points of difference to other brokers are, we will also take time to explore your current and future plans so that the correct loan structure is in place.  Our staff are very friendly and professional in their communications and look forward to establishing a long and mutually beneficial relationship, to look after your home loan or investment loan requirements.

By calling us now we can assist you to purchase your home by arranging a home loan for you,  contact us on  07) 31611894 or Mob 0412475554

Copy Right Alpha Mortgage Solutions PTY LTD Brisbane, Queensland ABN 60 120 196 723

All information provided on the Alpha Mortgage Solutions website is intended as general information only and is not provided as professional advice. Alpha Mortgage Solutions does not warrant the accuracy or completeness of information nor accepts liability for any actions taken by you or any another party in connection with it.

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Protecting Your Mortgage

A mortgage is a major financial commitment that will need to be met - even in the event of serious illness or death.  We have an answer for your protection try it with 3 months free cover!

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