Contact Mortgage Broker Coffs Harbour

How To Reach Us in Coffs Harbour

The fastest route is the phone. Ten minutes is usually enough for us to tell you what you can borrow, what would stop an application, and whether the timing suits what you are trying to do.

If you would rather write it down, use the form. What you earn, what you owe, what you have saved and what you are buying or refinancing is enough to work from.

What we need from you to start

• Roughly what you and any co-borrower earn before tax
• Your loans, credit cards and buy-now-pay-later accounts, with the limits rather than the balances
• What you have saved, and whether any of it is a gift or an inheritance
• What you are trying to do, and any date you are working to

No payslips, statements or tax returns yet. Those come once you decide to go ahead, and we will tell you exactly which ones.

What Happens After You Get In Touch

1. We go through about ten minutes' worth of questions. No documents.
2. We run your numbers at the assessment rate, which is the rate you would pay plus three percentage points, and against the debt-to-income limits lenders now work under.
3. You get a borrowing figure, the lenders whose policy suits you, and anything in your file that needs fixing first.
4. If you want to proceed, we collect documents, package the application and run it through to settlement.

Nothing is lodged with a lender until you tell us to. We check policy before we apply, because a decline sits on your credit file and a conversation does not.

When To Call Rather Than Use The Form

Both reach us. The phone is faster when the answer changes what you do in the next day or two.

• You are bidding at auction this weekend and need to know your ceiling before you register
• Your pre-approval is close to expiring and you want it extended or re-assessed before it lapses
• You are under contract with a finance clause running down and the lender has gone quiet
• A settlement date has moved and you need to know what it does to a bridge or a fixed rate

Use the form outside those hours. If it is time-critical, say so in the first sentence and we will treat it that way.

If A Lender Has Already Said No

Tell us that up front rather than leaving it out. A decline is not a verdict on you. It is one lender's policy applied to your file, and the next lender's policy may read the same file completely differently.

What we need to know is which lender, roughly when, and what reason they gave you. Serviceability, a short trading history, the property type and a credit file mark all lead somewhere different, and knowing which one you are dealing with is what stops you collecting a second decline.

Each application you lodge leaves an enquiry on your credit file, and a run of them makes the next lender more cautious. That is the main reason we check policy before anything is submitted rather than after.

What We Will Not Ask You For

Not on a first contact, anyway. We do not need your tax file number, your online banking login, your card details or a fee of any kind. Nobody legitimate asks for banking passwords, and we never will.

When it is time to lodge, we will ask for documents through a secure channel and tell you exactly what each one is for. If something you receive claiming to be from us does not match that, call (02) 5616 8708 and check with us first.