Find the right home loan structure for your situation
As you probably already know, not all home loans are the same.
Yet the difference between home lenders and the loans they offer is not always clear. What’s more, the cheapest home loan (including interest rate) isn’t always the best home loan for your situation! You can see why trying to navigate the mortgage market yourself can certainly be confusing.
That’s why more and more Australians are seeking the advice and expertise of an independent mortgage broker to help them find the best possible home loan for their needs.
How an independent mortgage broker can help you
Whether you’re looking for a loan for your first home, renovations, your next home, or even a rental property, an independent mortgage broker can help you find what you need.
Because they’re not associated with any one bank, Henderson Matusch’s team of independent mortgage brokers can take an objective view of the many home loan products on offer, before weighing them up and recommending a short list of the loans that will suit your needs.
Better still, a Henderson Matusch mortgage broker can show you a proven strategy which can help pay off your mortgage years ahead of schedule – and save you a great deal of interest at the same time.
Save interest on your home loan with an independent mortgage broker
Of course, everyone wants to save interest on their mortgage.
The question is, do you want to save thousands of dollars in interest? Or would you prefer to save tens of thousands of dollars?
That’s why simply looking for the lowest interest rate may not be the best answer. Instead, you need the right structure around your home loan, together with a debt reduction strategy.
At Henderson Matusch we don’t simply look at your home loan in isolation. Instead, we consider what really matters — working with you to look at the bigger picture of your finances, and how your mortgage can fit in with your overall strategy as a tool for wealth creation.
Rather than focusing on just paying off your home loan in full to free up investment funds, we’ll help you gain access to blue chip investments at the same time as you pay off your mortgage.
In this way, your home loan and investment strategy can work together towards wealth creation in the long term.
Talk to us about mortgage broking today
To find out how the Henderson Matusch team can help you find the ideal home loan for your situation, get in touch with us today. Simply call us on (07) 3229 3688 or fill out the simple contact form here.
Mortgage Broking FAQs
How often should I review my mortgage?
If you’ve had your current home loan for more than 3 years, chances are there is a better product out there that’s more suited to your current needs. After all, a lot can happen in just a year or two – whether that’s a new baby, a new job, or a pay rise for example.
Your loan might not have the features or flexibility other loans can offer, and your financial situation may have outgrown your current mortgage. That’s why we suggest you should review not just your home loan, but your entire financial plan at least every couple of years.
How does a mortgage broker get remunerated?
Henderson Matusch’s mortgage brokers receive commission from the banks whose products we recommend. There’s no cost to you for using a mortgage broker – the rate you pay is the same with or without mortgage broker’s commission.
How much am I actually paying back to the bank?
If you don’t know what’s going on, how can you look for a better deal? Yet your bank may not make it obvious what you’re actually paying in interest and fees.
With a mortgage that takes years or decades to pay off, small amounts really do add up – and it can be a huge number over the years.
You could save hundreds of thousands of dollars in interest over the life of your mortgage. So don’t be seduced by the “honeymoon rate” of your mortgage. Instead, look at the entirety of your financial situation, and how you can most benefit over the decades of your working life – and beyond.
We are here to help
We make it easy for you to get started with a plan to secure your financial future. We also help to monitor your progress monthly, which helps motivate you and keep you on track for success.