Mortgage Broker in Mansfield, QLD 4122

At Wagstaff Finance, we're Mansfield Mortgage Brokers helping locals get a new loan or refinance their existing loan

5.0

from 209 Reviews

Looking for a Mortgage Broker in Mansfield, QLD 4122? Welcome to Wagstaff Finance

Choosing the right mortgage is a critical step when buying a home in Mansfield. At Wagstaff Finance, your dedicated mortgage broker, we understand that finding the ideal loan options can be overwhelming. With connections to banks and lenders across Australia, we are here to simplify the process and ensure you secure the best possible mortgage to buy your property in Mansfield.

When considering a mortgage, one of the primary concerns is the interest rate. We offer detailed guidance to help you decide between a fixed interest rate loan or one with variable loan rates. Both options have benefits depending on your financial situation. A fixed interest rate provides certainty in your repayments over the loan term, which can be advantageous during periods of rising interest rates. On the other hand, a variable interest rate can be beneficial if you expect interest rates to fall, potentially reducing your monthly payments. Our expertise enables you to thoroughly understand your options, ensuring you're well-informed when making a decision.

Another crucial consideration is the loan to value ratio (LVR), which affects your borrowing capacity and the Loan Rates offered by lenders. It's vital to review your credit history and understand how it impacts your application. Wagstaff Finance assists with calculating loan repayments, managing bank statements, and examining the LVR requirements, thus streamlining your application process. Ensuring a seamless loan application experience, we help you get pre-approved by thoroughly examining your finances, including your loan amount and potential home equity.

Lenders Mortgage Insurance (LMI) and stamp duty are also key factors in the Loan application process. LMI is typically required when your LVR exceeds 80%, which could increase the overall cost of your home loan. At Wagstaff Finance, we guide you on ways to potentially reduce or avoid LMI, increasing your access to better loan options. Furthermore, understanding and budgeting for stamp duty is crucial, as it is a significant expense when purchasing a property. Our experts help clarify these costs to optimise your financial planning.

Once pre-approved, Wagstaff Finance works with you to explore interest rate discounts and features like an offset account, which can significantly reduce the interest payable over your loan term. Whether you’re applying for a home loan, an investment loan, or you require insights into the local Mansfield property market, our team offers unparalleled support every step of the way. With our guidance, borrowers can make educated choices, potentially saving money and stress.

As you embark on your journey to purchase property in Mansfield, Wagstaff Finance stands ready to help you apply for a loan with confidence. Our mortgage broker team is dedicated to making the loan application process smooth and transparent. By partnering with us, you gain access to a wealth of knowledge, tailored to your unique circumstances, making buying a home not just a possibility but a reality. Reach out today to discover how we can assist you in achieving your home ownership goals.

Ready to chat to one of our team?

Get in touch with your local Mortgage Broker in Mansfield, QLD 4122

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Our Process for helping locals in Mansfield with their lending needs

1. Initial Meeting

We’ll talk about your goals and what you want to do. We will explore how it all works - how much funding is required, how borrowing capacity works, and some of the loan features that may be important to you.

2. Document Verification

You will receive a link to our online portal so you can easily provide us your information. We will also request the documents we need to verify your income, assets and other financial information.

3. Research & Advice Meeting

We’ll review credit policies, negotiate rates with lenders and come back to you with the analysis. During our Advice Meeting, we will talk through the options, our recommendation and the next steps.

4. Game Plan Presentation

You’ll be presented with a personalised Game Plan with tailored solutions and recommendations to meet your goals and objectives.

5. Lodge your Application and Prepare for Signing

We’ll prepare the application with the chosen lender to package, sign and lodge your documents – and do the legwork to get the loan approved.

6. Approval Moment

Congratulations! This is what we live for. We’ll let you know that everything has gone smoothly with your loan so you can pop the champagne. We will organise the signing of documents and next steps.

7. Settlement Day

This is the moment when everything goes through and your funds are released, or you are the proud owner of a new home. We’ll be there for you during and after the settlement process to ensure everything is set up the way it should be.

8. Together for the Long Haul

We stay in touch regularly and are there to answer any questions you may have, and review your loan to ensure it still meets your requirements and is competitive.

About Wagstaff Finance

Wagstaff Finance is your trusted local mortgage broker in Mansfield. Led by Craig Wagstaff, our experienced team is dedicated to providing personalised and innovative finance solutions, helping doctors achieve their financial goals and live the life they desire.

At Wagstaff Finance, our approach is centred on building long-term, trusted relationships with our clients. We are passionate about helping people secure the right finance solutions and believe in giving back to the community. Book an appointment with the team today to help with your lending needs.

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Our Recent Reviews

Craig and team made the process of getting a mortgage so easy. Very approachable and professional and kept us informed every step of the way. Highly recommend!

Rae Schlecht

With school aged kids and working full time we couldn't deal with a bank branch during business hours, Craig was able to show us the different options and then got the loan approved with no hassles, can't ask for much more than that! Saved us alot of time and effort trying to work things out ourselves, highly recommend

John Blogs

Craig and his team were so amazing helping us work out all the finer details when it comes to purchasing a property. We had no prior information or recommendations when choosing Wagstaff, we went with them because we saw a sign in the street, it turned out to be the best thing ever seeing that sign and contacting the Wagstaff team. Craig took his time explaining things to us and he always asked if we understood or needed further clarification on things. He was very professional. He also gave us lots of local knowledge about where we bought, so it has us very excited to move and explore. Buying a house brings out so many emotions and Craig and his team kept us at ease. We can’t thank the team enough. We would highly recommend Wagstaff.

Ren

Vaughan Buckett

Frequently Asked Questions

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

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Name

Phone Number

Email Address

Contact

3 Clunies Ross Court, Eight Mile Plains QLD 4113 & Suite 4/445 Ruthven St, Toowoomba City QLD 4350

07 2113 2288

Wagstaff Finance Pty Ltd ABN: 63 114 862 903. Credit Representative #399312 is authorised under Australian Credit License #517192

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.