THE ULTIMATE You Home Loans GUIDE 2018
6 Ways you can save when you get your
online home loan via our unique Video chat
& loans process...
Read below to find out..
Book a phone chat with one of our brokers today
We always respect your privacy, our privacy policy is here
Your Home loan is one of the largest financial decisions of your life; this guide explains how our unique process helps assist you in saving money and time.
If you are a qualifying* executive or qualifying* professional with a 10% deposit, that is when we are able to possibly get the lenders mortgage insurance(LMI) waived and the discounted loans; you would potentially have the most to benefit from this service..financially saving the most money on your loan, both upfront and for the life of the loan..
For a doctor on average*** with a $1 million dollar loan this works out at a $47k saving across the life of the loan (including the LMI and the discounted rate over a 30 year term).
As this is on a case by case basis and we would never put a hit on your credit unless we pre-qualified you first please call us on 1300 978 263 or book in a phone chat to find out if this possible might be a fit for you..
**strict lender terms and conditions apply and are on a case by case basis..
*** our customers who are doctors- we calculated this average.
Book a phone chat with one of our brokers today
We always respect your privacy, our privacy policy is here
Video chat is similar to skype but with bank grade security and you don't have to download anything. (the exception being a great free iphone app.) Video chat allows you and our broker to screen share and file share with you as well as chat face to face online.
The main benefit of video chat is the convenience of being able to attend a face to face meeting online.
A quick phone call is encouraged before you spend time to make sure you are prepared for our online video chat meeting.
Once you have a quick chat with a broker and then book into a robust video chat or face to face then our unique loans process system kicks in.
Usually no matter who you go to online or offline, you have to fill in duplicate paperwork for your loan application and then again in multiple other places; with us we developed through our sister development company(same broker directors) cloudsail technologies; technology that collects all the paperwork upfront from you and then pushes the data through to our system and the lender systems and automating all the must ask questions to make sure that nothing is missed. Our systems speaks to the lender systems making it much faster for you.
This system is used by all our cloud based brokers and gives structure and speed to a very cumbersome process. There is no cost to you ever for this service. or increased rate etc. It's something you would expect online but probably won't find anywhere else as it's complex to design and it has to have broker structural input. So we are thrilled to have our systems and keep working on developing our systems further to enhance your online experience even more.
Your actual broker and their experience has a massive impact on how your loan is presented to the lender, our brokers expertise is listed on each of their profiles with LinedIn link below each one and our customer ratings. This is how you can look any of us up and confer with your accountant or trusted professional and see if we have any colleagues in common that you can ask about us. You can also check video chat availability for a robust chat now or a schedule a quick call.
Phil Riches
CEO & Senior Broker, Specialist Skills(LinkedIn Verified)
residential loans, commercial loans, business loans, medical loans and agricultural loans.
Broker Video Chat Star Ratings Verified By 24sessions
We specialise in loans for professionals such as doctors, accountants, legal professionals, veterinarians, residential loans, investor loans, loans for executives, and large commercial loans.
Our 30+ lenders include the following institutions...
Because our brokers specialise in various lending specialties, we as a broker group get access to specialist policies and rates: such as medical policies, accountant policies and policies for executives in top 50 ASX companies as well as commercial lending for medical practise building etc. These policies are not available to most brokers or at most lenders. These include special rate discounts and/or waiving lenders mortgage insurance. These can obviously save you a lot of money.
We also work in with your accountant (at your request) to make sure your loan structures fit their recommendations for you as well as your wider requirements. We also have a customer base of executive accountants that we also do work for personally; so we are very used to good loan structures.
With our system; where we have a phone call, then a robust conversation, also we collect a lot of data upfront, our brokers are very experienced with specialist professional policies available to them....so it makes sense the structures our brokers come up with following this system of taking into account all your circumstances in this way; that you would end up with a smarter loan structure.
Once you have a smart loan structure in place, then we get the best rate for that structure. This is because we have access to probably 90% of all possible rates online through our lending panel and very good discounts with most lenders as they know we have other options for you and they know we have thoroughly and diligently referred you to them, so they are more likely to trust our referral as we have done the work upfront via our system and want to grant a good rate.
Its entirely possible that in rare cases someone might get a cheaper rate but it might not be a suitable product. It also would probably be a much more cumbersome process.
It's also likely an unsuitable structure will cost you a lot more than rate; for example if you are an accountant and went to a lender who had the accountant policy but didn't give it to you and you paid $10,000 more in LMI and a higher long term rate(assuming they gave you a cheap introductory rate), or a doctor who went through an online broker who didn't have access to the medical specialist policy and paid over $8,000 more for his medical centre each year..
There is an analogy that if you could get the best high court barrister for free to present your case, why would you go somewhere else ?..or DIY from the internet?
Lending is a bit like that, we have top commercial brokers with an efficient system presenting your case, it costs no more, that rate is not somehow higher as the bank pays us instead of their internal loans department. There really is no reason not to do it.
Your home loan is one of the largest financial decisions of your life; it makes sense to get help from the best people you can find. We would welcome the chance for it to be us.
You home Loans is an established finance broker that is actively focussed on making your online experience better. We use our face to face online video chat service offering Australia-wide and our own online rapid process system. With top professional brokers and over 14 years in the sector; the company prides itself on being customer-centric.
“My refinance went so smoothly, I was even traveling for work through a lot of the loan process and it didn’t slow things down. They were helpful, communicative and made everything so easy – Highly recommend, thank you!!!”
Tania Yuki , Shareablee CEO
Shareablee was recently named in INC's fastest 5000 growing companies in the USA
“As a busy mother and doctor it was great knowing everything was taken care of in a quick and professional manner!”
Dr Candice Jensen
“You got us through some major hurdles for our first property. They had the connections at the bank to get our application through in record time, and secured us a low interest rate. We have recommended them to several friends. What impressed me most was when they advised people that they were NOT ready. Some brokers don’t use any discretion and lock people into hard times. We went through you for a second house two years after the first one, and will stick with you for all our mortgage matters. ”
Rhys & Liz Blackburn
Environmental Engineer
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YOU HOME LOANS
is a subdivision of
Model Mortgages Pty Ltd
ACN 82108681063
Spring Street,
Bondi Junction NSW 2022
T: 1300 978 263
F: 02 80039851
CALL: 1300 978 263
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