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Chad Ward
Thanks so much Damian, Andrew, Simran and the rest of the team. You’ve all been wonderful to work with. Purchasing our first property was a massive goal and we wouldn’t have been able to achieve it without your expertise. We appreciate the time you took to go through the different scenarios and options, provide clear explanations and keep us updated regularly. Highly recommended!
Lisa Martin
I can not recommend Damian, Andrew and the team at Margin Finance highly enough. Their communication is clear, they listened to my objectives and came up with options to meet all goals. The whole process from start to finish was efficient, transparent and stress free. I have used other brokers in the past and have never had such a positive experience as with the team from Margin.
Andreas Manessis
Where do I start with margin finance absolutely amazing financial group from start to finish was out of this world highly recommended to anyone wanting to refinance or draw a loan the options and knowledge are clearly explained to borrowers with exceptional service i have never felt so safe with a financial institution like margin finance Forget the banks these guys are the one If in doubt im telling you give them a go absolutely outstanding ????
Zack Naddaf
I don’t think me and my wife could have asked for better service . They were impeccable . Till next time my friends
Saravanand Naiker
Damian and the team has help us to purchase our home with ease. He has guided us along the way and keeping us informed with the progress. Very proactive and quick to come up with options when needed. Don't think I could have asked for a better Mortgage Broker. Amazing service. Hats off to you and your team.
David Paoli
I recently had the pleasure of working with Damian and the team from Margin Finance and I can’t recommend them highly enough. They made the mortgage process feel seamless and were able to explain everything in simple terms. Beyond grateful for the assistance received.
A Mortgage Broker is a professional who acts as a middleman between borrowers seeking a mortgage loan and the financial institutions providing these loans. They help you find the right mortgage loan from various lenders, offer personalised guidance, and negotiate favourable terms. Mortgage brokers simplify the application process, have access to multiple lenders, and can save you time and effort.
Our services are free. You don’t pay us. The bank or lender does at no cost at all to you. Mortgage Brokers are paid an upfront commission and a trail payment. The upfront commission is a one off payment that is paid to us by the lender/bank we refer your loan to (usually between 0.65% to 0.7%) as we do all of the legwork to get your loan approved. A ‘trail’ or ongoing commission is also paid by the lender to us which is an ongoing commission (usually around 0.15% p.a.) based on the balance of your loan. There may be occasions where you may be charged a fee by your broker. Terms, conditions and normal lending criteria apply. This generally occurs if we are dealing with a complex file that will require well above the standard amount of time to complete the file. If Margin Finance believes a fee will need to be charged, this will always be communicated to you before proceeding.
When you visit a bank directly, they will only be able to sell you a loan or product that they have. When you visit a mortgage specialist like Margin Finance, we find you the perfect loan out of 40 different lenders. You may believe that a certain bank is right for you, but how do you know that if a mortgage specialist has not assessed you?
The main documents you will need to provide to get a home loan are:
- Proof of identification: passport, driver’s licence, birth certificate
- Income: recent payslips, tax returns
- Expenses: a detailed list of your monthly expenses from subscriptions to petrol costs
- Assets: ownership details for other properties, cars, savings
- Liabilities: statements for any existing debts
When dealing with us, we will inform you specifically of all of the information we need to work on your mortgage.
Your borrowing capacity is an important number and can differ a lot between banks. You can use our borrowing power calculator here which will only give you a rough estimate of your borrowing borrow. You should always speak with a Mortgage Specialist to discover how much 45 lenders will lend you. The factors that determine your borrowing power are:
- Income
- Expenses
- Debts
- Dependents
- Purchasing costs
- Savings and Equity
At Margin Finance, we encourage you to speak to us even before you are ready to buy a property. Speaking with a mortgage specialist will allow you to understand your borrowing capacity and your likelihood of being approved. If you want to buy a property in 6-12 months, speaking with a broker now can help you identify your position and if your situation aligns with your goals. We help clients at all different stages of their journey. If you are unsure when you should be coming to see us, simply ask. You have nothing to lose, and so much to gain, by contacting a broker. Our services are free and we are full of information to pass onto you.
MY OPTION LOANS PTY LTD AS TRUSTEE FOR MACADA FAMILY TRUST ABN: 19 385 994 864. Credit Representative #445563 is authorised under Australian Credit License #391237
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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