FAQs

A Mortgage Broker is a professional who acts as an intermediary between borrowers and lenders. With access to a larger number of lenders and an acute understanding of lender policies, they are able to compare a range of products to find the deal most suited to you. Bound by Responsible Lending and Best Interest Duty, Mortgage Brokers are required to always put your needs first and act in your best interest.

While banks offer mortgage products directly to consumers, working with a mortgage broker provides several advantages. Brokers have access to multiple lenders, allowing them to compare rates and find the best loan options for your specific needs. Additionally, brokers often provide personalized service and can offer guidance throughout the entire mortgage process, from application to closing.



Mortgage brokers are paid by the lender after settlement and the lenders do not pass on this onto the customer as a fee. While some Mortgage Brokers may choose to charge an upfront fee to write your loan, here at Articulend, we do not charge you an upfront fee. This is because we pride ourselves on the work that we do and are confident that we can achieve your goals. The commission paid by the lenders to our brokers is dependent on each individual loan and is fully disclosed to you before application. For more information, chat with us today!
There are many factors that are considered by the lenders when you go for a home loan, all centering around “can this person pay off their loan successfully in the time allotted?”. As a Mortgage Broker it is our job to make sure that your perfectly unique situation fits neatly within lender policies, while also meeting your needs, wants and objectives. Whether you are self-employed or perhaps recently got a new job, there are unique products to suit you.
Your loan application time will vary depending on the lenders’ workload and how complex the file is. This is something we discuss with you as we move forward. We always take extra care to make sure that key important dates are met, such as Finance approval and Settlement. Once your broker has all the information they need from you, they can work quickly to get your loan submitted to the lender. Everyone is different, but it is not uncommon to achieve application, approval and settlement on a 30 day purchase contract.
While having a low credit score or adverse credit history may make it more challenging to qualify for a mortgage, it may still be possible to obtain finance. Some lenders specialize in working with borrowers of this nature and we can help you explore these options and improve your chances of approval. If a customer already has adverse credit history, then multiple applications to their credit file may decrease this result further. A mortgage broker can help take the guess work out of “which lender to choose” and narrow down the search by tailoring it to you.
This amount will vary depending on the purchase price of the house, your financial situation and even what State or Territory you live in. Typically speaking, a person can purchase a house with as little as 5% of the purchase price, plus Stamp Duty & Government costs (if applicable). First Home Buyers will have more benefits available to them in certain circumstances. Speak with us today for more information.
Before applying for a mortgage, your broker will ask you some questions to get a better understanding of your financial position as well as your wants, needs and goals. They will then follow up with a list of documents they will require from you to conduct their assessment. Typically speaking, we need to see what you earn and what you owe. Often in the forms of pay slips, statements and tax returns, however, each person is unique, so follow the instructions of your broker when it comes to document collection.
Your broker should always be on the lookout to make sure that you are always getting the best deal for you, however sometimes customers experience life changes and need to refinance for other reasons. Refinancing is common and is often used to free up cash flow, find a better interest rate, or perhaps to consolidate personal debts or release some available equity as cash. Refinancing undergoes the same assessment that a purchase does, and our brokers work with you to make sure that your goals, needs and objectives are being met every step of the way.

Getting started with Articulend is easy! Simply contact us to schedule a free consultation with one of our experienced mortgage brokers. During your consultation, we’ll discuss your financial goals and needs and help you explore your mortgage options. We look forward to helping you achieve your homeownership dreams!

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