Our team use services of brokers who
We also specialise in helping people in tricky situations. If your situation is unusual then most bank managers and mortgage brokers will not have the knowledge, experience and contacts to get your loan approved. We know exactly which lenders can help and how to present your loan application!
We are a friendly and enthusiastic team and our aim is
You’re our customer and we will work with you to make sure your experience is positive and memorable. we often receive referrals from satisfied customers, many of whom were originally declined by the lenders at first stage.
We help you acheive!
eChoice Finance work under Finsure which hold an Australian Credit License (ACL). NCCP(National Consumer Credit Protection Act) is a government regulatory act and requires service providers to have a licence.
We are also a member of both the Mortgage and finance Association of Australia (MFAA) and the Australian Financial Complaints Authority (AFCA).
We keep regular updates in professional development. echoice maintains compliance with government regulations.
There are no fees for
There may be limited scenario’s in which a fee may be applicable.
If you go to bank you have to choose a product, if you come to us, then you have to choose from banks and their products. We work with a variety of lenders and can find the cheapest and best loan package available to suit your needs.
We are paid by the banks and lenders for
Mortgage brokers have lot of reasons to provide best deals to consumers such as
The more happy clients are, the more are chances we can do business with ease.
Echoice Finance will definitely provide you the Low rate Home Loans
Clients have to provide basic information to get a loan. All we want to know is
Our staff will do the rest of the work. After the quick assessment, we can apply for loan the sooner clients provides
Contact us for a free assessment
Echoice Finance is a 100% privately-owned Australian company with no lenders as shareholders.
Many of the mortgage broker companies are actually owned by big lenders.
Our team help people all across Australia. We have approved loans for customers in every state and territory, from small regional centers to large inner city suburbs. We can even help people overseas who want to invest in Australia!
Our team can provide you information and can travel to meet your needs.
Lot of clients wish for Low Deposit home loans as they have plans to use their money for something else. The borrowing capacity and lender assessment decides the deposit amount.In general, some banks will only require a 5% deposit! There are number of factors which decide low deposit loans such as
Lenders want to make sure client can repay his installment without any hardships.
Please note that the greater the deposit you give, the lesser the LMI amount will be added on your loans which will save your money. There is no LMI charged if atleast 20% deposit is made.
For first home buyers there is no stamp duty and the rebate varies from state to state. If your loan is backed by the guarantor, then banks are happy if you want to borrow the stamp duty. However, in other cases, banks can still consider if you have personal loan to pay Stamp duty as long your income supports it after the settlement.
Please check with us for the latest incentives, rebates and grants offered by the current government as these rebates do change with time to time.
We can find out your eligibility using our serviceability calculators in few minutes only. we will need basic information from you such as
Once you provide us the information we can deliver the results in few minutes only. Our services are obligation free and if you do not want to proceed it is just fine with us.
We can even do a free credit check for you or guide you to do on your own so you can know if there is any default on your account.
A scenario may be complex for some lenders but might not for us. The reason are
At Echoice Finance, we use services of experienced brokers who can work out your plans and specifications and guide you all the way along.
The validity of Pre-Aprroval varies from lender to lenders. However the common term of validity is between 3 month to 6 months. In case your Pre-approval expires, we can still apply for extension.
Please note that after six months when Pre-Aprroval is expired, bank may request latest bank statements and payslips again.
Banks normally have competitive interest rates but it does not mean they are cheap. They have other ongoing costs such as package fees, annual fees, withdrawal fees etc. The more important is to be with right lender which has transparent policies and have great offers for you at the time of applying for loan.
The offers come and go for a limited time and with our expertise we can grab a best suited one . The first home buyer discounts, investment property cash back offers and refinance rebates varies from bank to bank, time to time. Some bank starts from loan amount of $200k whereas most of the banks only offer from $250k above.
Our expertise is all about choosing a right offer matching with your needs.
