We work as a match maker

we are specialist in mortgage business and we are expert to introduce our customers with the home loan which fits right into their shoes.
We have a tailored lending panel which offers:

Choice in Lenders
Choice in products
Various kind of property valuations
Choice of specialist lenders

We do the shopping for you for your home loan product and offer you the comparisons. The comparisons deliver you the results with the information of how much you can save from lender to lender.
You actually get an option to choose the loan package and product which suits your needs.
We keep our self updated with latest information with the banks through their Business Development Managers( BDM) and hence keep our clients posted about latest deals and offers from time to time.
Therefore we may have much more to offer rather a bank itself.

Which is best lender?

Our panel have access to competitive products from:

Most of the banks.credit societies,Building societies and credit unions
Non-conforming and specialist lenders.
Private lenders.
Small lenders for vehicle loans

private lenders vs Major banks

Most of the private lenders exist in the market due to their tailored guidelines for specific clients which are often ignored by major banks. As a normal ritual, all major banks are interested in risk free business and this when we use the services of private lenders or small lenders. In specific, small lenders may add more value if company provides car to its employee whereas banks may ignore that facility at all.

Therefore we use these lenders on such cases where banks are more likely to be uncomfortable.

How we offer more choice?

Not all the brokers have access to most of the lenders. The mortgage brokers network is associated with aggregator’s which are further linked to all the lenders. The lender panel we use have access to most of the lenders due to the amount of business we provide to them. The specialist lenders like Auswide, Bluestone, MKM capital and Pepper money are few examples which stands behind for the clients which have been turned away by big banks for no big reason at all.

So the brokers who do not have access to these category of lenders will simply turn their client by telling negative stories even by knowing that these clients would have been services if right approach is taken.

Why use mortgage brokers at echoice finance?

We deal with most of lenders
We are accredited with specialist and low doc lenders such as Pepper money MKM Capital, La Trobe, Auswide, Bluestone & MyState.
We have access to private lenders.

Free bank valuations

We can get a free property valuation if

you looking to buy a property
if you want to refinance a property.
If you want to sell your property and want to buy another one.

Free valuation provides the client an estimate of his property value, loan to be borrowed and whether his income will be able to support his loan. This saves time and credit check as client only proceeds if the possibilities are positive.

Which is a good bank for home loan?

None! Banks are lenders and a good lender is which gives us loan on a good interest rate with genuine service. These rates and services varies with time to time.

Our main motto is not to love for the banks but to reduce the cost of the loan . This can either be done by

Changing fixed to variable or vice versa
Refinance
Selecting right product with or without annual fees
and taking care of other fees such as withdrawal fees etc

Why we provide low interest home loans?

The better product and services we provide, the more confidence we will have in our clients.

There are number of reasons for providing best home loans:

We can maintain long term relation with clients
Less complaints from clients which helps us focus more on our business
More satisfaction means low rate of auditing and unnecessary screening from authorities.
More business to us from referral’s