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A Loan Market broker can compare over 60 lenders to find the right loan for you. Whether you’re looking to make the most of your borrowing capacity, find a lender that understands your unique situation or want pre-approval to help you bid with confidence, a broker can be your competitive edge.
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What does a mortgage broker do?
There are hundreds of lenders offering thousands of loan products - that’s why more than seven out of ten Australians choose to work with a broker to find their home loan. A Loan Market broker compares a panel of lenders to present a shortlist of products that suit your needs.
Whatever your ambition, your broker can help make it yours. Whether you need guidance buying your first home, want a more competitive rate on your existing loan, are looking to grow your investment portfolio or anything in between, a broker is by your side. And on top of that, many services offered by a broker are free to you. They get paid by the lender you choose.
Be by your side, always
They are here for your today, tomorrow and future goals. They will help you with a range of financial needs from home loans to business loans.
Work in your best interests
They will research the market to find the right loan for you, negotiate a competitive deal on your behalf, and only recommend products and services that are suited to your needs.
Save you time and hassle
They will do the legwork for your application and meet you on your terms, online, offline, anytime.
What is the process when working with a broker?
When you meet with your Loan Market broker, they will take time to understand your circumstances and goal. They will then calculate your borrowing power and let you know if you are eligible for any schemes or grants. Then they will show you which products are suited to your needs and take charge of application through to settlement.
It will look a little like this:
Discovery
You answer some questions online about your circumstances and goals.
Meeting
Your broker will talk through your needs, calculate your borrowing power and discuss your options.
Game plan
After further in-depth research, your broker will present you with your personalised Game Plan, providing tailored solutions and recommendations to meet your goals.
Application
Your broker negotiates with your lender of choice and prepares your paperwork. Once you have signed, your broker will do the legwork to get it approved.
Approval
This is your big moment. Getting your loan approved. Once the lender gives the nod, your broker arranges the paperwork for you to sign.
Settlement
There is a lot that happens on settlement day, and your broker works closely with your lender to ensure it runs as smoothly as possible.
Today, tomorrow and beyond
Your broker is by your side for life. From checking in to make sure your loan continues to be competitive to helping you find the right car loan.
Handy calculators
Get a better understanding of your financial standing and plan for your next step with these calculators. Keep in mind these are intended as a guide only - a broker can provide more detailed insight and help.
The Ray White and Loan Market story
Loan Market launched in 1994 by Brian and Sam White, originally known as Ray White Financial Services. Brain and Sam wanted to be able to help buyers secure the finance they needed to purchase their dream home, though mortgage broking was not a common service. Still family run and owned, today there are over 600 Loan Market brokers located around Australia, with a panel of over 60 lenders - the largest in Australia.
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Need help with your loan?
Credit Assistance is provided by credit representatives of Loan Market Pty Ltd ACN 105 230 019 Australian Credit Licence 390222.
*Your broker may charge a fee to cover additional time required by our team. Any fees will be discussed with you in advance so you can make an informed decision before proceeding with your application.