National Mortgage Broker Based in Brisbane & Springfield

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Mortgage Brokers Who Provide

Excitement, Education, Empowerment.
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Our belief is simple. Financial solutions should be personal to your goals. As your mortgage broker based in Brisbane and servicing all of Australia, we’ll be your partner throughout your financial journey. We have the expertise to guide and educate you to make an informed and empowered decision.

Our award-winning approach has seen us gain access to over 50 lenders; so you can be confident that we’ll seek the best financial solution for you.

It doesn’t matter if you’re a first time home owner, an investor or seasoned business owner, our brokers will demystify the jargon and ‘bank talk’ to ensure that you’re educated to make the right decisions for your circumstances.

If you’re seeking a car loan or a new commercial venture, we’ll tailor a solution that empowers you to achieve your goals. Our extensive experience, underpinned by providing over half a billion dollars in lending over the years, speaks to our decades of dedication, education and passion for what we do.

Start your financial journey where you won’t just be a client, but a valued partner. Let’s achieve your financial goals together.

Nationwide Service
Premium White Glove Service at Scale
Access to over 50 Lenders
Personalised Finance Solutions
Award Winning Approach
Transparent and Supportive Journey
Veteran Understanding
Defence Entitlements
Long-Term Partnership Approach
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Loan Services

Creating solutions to diverse financial challenges is what gets us out of bed in the morning. Whether you’re a first-time home buyer or looking for an investment loan, we can provide unrivalled lending advice based on your personal circumstances. See below how we can help with:
Creating solutions to diverse financial challenges is what gets us out of bed in the morning. Whether you’re starting a new business or looking for your dream car, we can provide unrivalled lending advice based on your personal circumstances. See below how we can help with:
We offer Specialist Lending services tailored to professionals in specific industries. Our expert team understands the unique financial landscapes and challenges faced by individuals in specialised fields, providing loan solutions that cater to your distinct career paths and financial objectives.
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Our Client Engagement Process

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Meet Your Mortgage Brokers

Frequently Asked Questions

What's the difference between fixed-rate and adjustable-rate mortgages?

When you’re entering the housing market, understanding the difference between fixed-rate and adjustable-rate mortgages (ARMs) is crucial in choosing the loan that best suits your financial situation and future plans.

Fixed-Rate Mortgages offer stability. The interest rate you agree to when you sign your mortgage is the rate you will pay for the entire term of the loan, whether that’s 15, 20, or 30 years. This means your monthly mortgage payments (covering interest and principal) remain unchanged throughout the life of the loan, making budgeting easier. Fixed-rate mortgages are ideal for those who plan on staying in their home for a long time and prefer the predictability of fixed payments.

Adjustable-Rate Mortgages (ARMs), on the other hand, have interest rates that can change over time. Typically, an ARM starts with an introductory period where the rate is fixed and usually lower than the rates for fixed-rate mortgages. After this period ends, the rate adjusts at predetermined intervals based on a specified financial index plus a margin set by the lender. The appeal of ARMs lies in the lower initial payments, making them attractive for borrowers expecting to move or refinance before the rate adjusts or those anticipating an increase in income that could offset higher future payments.

The choice between a fixed-rate and an adjustable-rate mortgage affects how much you pay both monthly and over the life of the loan. With a fixed-rate, you might pay more initially but enjoy long-term savings if interest rates rise. With an ARM, you could save in the short term but risk higher payments in the future if rates increase. Your decision should consider your financial stability, how long you plan to stay in your home, and your tolerance for risk regarding potential rate increases.

Securing the best mortgage rate is crucial as it can significantly impact the total cost of your home loan over time. Here are strategies to help ensure you’re getting the best deal possible:

1. Strengthen your credit score: Lenders use your credit score as a key factor in determining your mortgage rate. Generally, higher scores earn lower rates because they indicate a lower risk to lenders. Before applying for a mortgage, check your credit report for any errors that might be lowering your score unjustly and take steps to improve it, such as paying down existing debt and making all future payments on time.

2. Save for a larger down payment: The more money you can put down upfront, the less risk the lender takes on, which can translate into a lower interest rate for you. A down payment of 20% or more typically helps avoid the need for Lenders Mortgage Insurance (LMI), further reducing your monthly costs.

3. Consider the loan type and term: The type of loan (e.g., fixed vs. adjustable) and the term (e.g., 15-year vs. 30-year) can affect your rate. Shorter-term loans often have lower interest rates but higher monthly payments. Decide what best fits your financial situation and goals.

4. Lock in your rate: Once you find a rate that you’re happy with, consider locking it in. A rate lock guarantees your interest rate for a set period, protecting you against rate increases while your loan is processed. Be mindful of the timing, as rate locks have expiration dates, and extending them can cost extra.

At Stanford Financial, we support first-time homebuyers with essential insights into home loans:

  • Understand your options: We’ll help you navigate through various loan types to find the one that suits your needs.
  • Assess affordability: Guidance on calculating how much you can realistically afford, considering all related homeownership costs.
  • Pre-approval advantage: Assistance in obtaining pre-approval to clarify your borrowing limit and enhance your buying credibility.
  • Budget for closing costs: We’ll detail the closing costs involved, ensuring you’re prepared for these additional expenses.
  • Long-term considerations: Advice on selecting a loan that aligns with your long-term financial goals, focusing on interest rates and loan terms.

Our team is dedicated to offering personalised guidance to ensure you make informed decisions on your journey to homeownership.

  • Access to a wide range of loans: Brokers like Stanford Legal have relationships with a multitude of lenders, giving you access to exclusive deals not always available directly to consumers. We have access to over 50 lenders means more choices and better chances of finding the perfect loan for you.
  • Personalised solutions: We take the time to understand your specific needs and circumstances, ensuring the loan you get is the best fit for you.
  • Saves time and stress: Brokers handle the legwork of comparing loans and negotiating with lenders, saving you time and reducing the stress of loan shopping.
  • No cost to you: Our services at Stanford Legal are typically free to you; we’re compensated by the lenders, ensuring our focus remains on securing the best outcome for you.

Mortgage pre-approval is when a lender evaluates your financial situation to determine how much they’re willing to lend you before you find a property. It’s an essential step for several reasons:

  • Shows your buying power: It gives you a clear idea of what you can afford, focusing your property search on homes within your budget.
  • Strengthens your offer: In competitive markets, having pre-approval can make your offer more attractive to sellers, as it shows you’re serious and have financing in place.
  • Speeds up the buying process: With the lender already having most of the information they need, you can move quicker from making an offer to settlement.

At Stanford Legal, we guide you through the pre-approval process, ensuring you understand every step and how it benefits your home buying journey. Getting pre-approved can significantly enhance your position as a buyer, giving you confidence and a competitive edge.

Frequently Asked Questions

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