Buying a home can be a daunting process, especially when there are so many things to consider like:
- where and what can I buy?
- how much deposit will I need?
- how much can I borrow?
- who should I borrow from?
- what are all the other costs involved?
- how can I repay my mortgage quickly, and
- what other decisions do I need to make during this process?
The Director and owner of Empire Housing & Investment Finance Pty Ltd is Steve Swiderski. Steve has over 30 years experience in the banking and finance industry and offers a very personal service by coming to your home or work and handling the loan application process all the way through to settlement. Steve prides himself on his friendly service and attention to detail and is flexible with appointment times as he understands the busy work commitments of his clients.
Our role as your mortgage specialist is to guide you through the process to ensure that all your needs and options are considered. We make sure that this exciting opportunity is professionally managed to reduce the time and worry for you throughout the purchase.
The credit policies between lenders can differ quite considerably. For example, the inclusion of commission payments, overtime, shift allowances are treated differently across lenders. Policies regarding time in current job or whether you are employed casually also vary from lender to lender. An astute broker understands all these policies and can recommend a lender that will accept your circumstances.
If you are researching your finance options, everyone will be advertising "the best deal". But what they may omit to tell you about are the hidden costs, or just as importantly how to structure your finance to suit your ongoing and future needs. We have access to many lenders and will be able to guide you through your decision if you are thinking about your finance options right now. Don't do it on your own. Ask us, your trusted finance specialist, to work through this with you.
Regulations in the broking industry are continuing to improve across Australia. Think of your broker as being a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building ongoing relationships with our clients and to think of your best interests, not those of the bank.
We will work with you and your service providers (real estate agent, conveyancer and lender) and sometimes your other professional affiliates (such as your accountant and financial planner) during this process, while ensuring we help you obtain the finance that best suits your circumstances and needs.