Fremantle’s Leading
Mortgage Brokers

A Mortgage Broker is a trained, qualified and licensed Finance Professional that is engaged by another party as their Trusted Adviser, representative and intermediary in providing Credit Advice and, usually, arranging finance on their behalf. A Mortgage Broker might be either a Credit Representative or an Australian Credit Licence holder. 

Typically, a Mortgage Broker would be asked to quote on and arrange finance for the purchase of a home, investment property, to consolidate debt, raise funds for renovations and upgrades, reduce costs and fees, streamline repayments and improve the efficiency of the credit facilities where possible. 

A full service Mortgage Broker such as BH Brown Mortgage Brokers would provide and end-to-end service which begins with Credit Advice and a Professional Relationship, all the ‘grunt work’ of assessment, shitloads of research, calculations, form-filling, managing the signing process, the awfully tedious, usually frustrating and time-consuming application and approval process, then making sure the loan documents are signed and returned correctly and finally… getting the settlement booked and completed on time. Aaaaand, breathe!

In the case of BH Brown Mortgage Brokers, we aim to do as much of the work on behalf of the Client as possible. (You will have to do some work, but we aim to minimise it) 

This not only includes offering Credit Advice, but also providing a safe, secure portal for our Clients to send us their sensitive information, completing a thorough assessment and detailed, accurate calculations, presenting options in line with the Client’s goals, then preparing all of the paperwork, ensuring nothing is missed, managing that process until the application is submitted to the lender. What’s more, we effectively manage the transaction from this point (this is where the shit can hit the fan) and follow through until the day the loan settles. 

The formal assessment part (where the application is with the lender) is the “I’m tearing my hair out right now” part of the deal. The bit that bank customers bitch and moan about if they’ve gone direct. It’s here the story needs to be told, the documents need to be correctly provided and filtered and the decision is made. This is the business end of the application. 

Just writing this gives me anxiety. Luckily we’ve got tonnes of experience and after years on the tools, we know what we’re doing. 

Once we’ve engaged with a Client and we fully understand the challenge that needs solving and the Client’s requirements, it’s then up to the Broker to research every and all available loan options that would be most suitable to the Client’s needs. 

I would need to write a 100-page manual to outline the work that takes place in doing so, and, believe me, it’s full-on. I’ve had highly paid, highly specialised Clients tell me they “don’t know how I do it”.

Here’s the thing, we’ve got the most refined systems and processes, and cutting-edge software – the very best in the market – which is provided by our Aggregator – Connective. We know for a fact that we are almost without equal when it comes to our processes, and it does make the work easier to complete quickly and accurately. That said, Brokering is part science, part art.

The “art” involved in the assessment of the transaction and figuring out where we will place the loan to give the Client the greatest chances of success is the element that can’t be taught, it comes from being a finance nerd and writing thousands of loans. This is all about the outcome for the client: If they win, we win. If you’ve got a challenge you feel we could solve, book a call with one of the team =>here.

While you may be a busy person, house loans and mortgages aren’t something you should speed through. They need patience and in-depth knowledge that can’t be rushed. The time, frustration, and money you save by working with a Mortgage Broker will be well worth it.

Your application will be reviewed by a Mortgage Broker, who will compare it to other applications and determine which bank offers best products for your situation, as well as the lowest interest rates and costs. Long-term savings may be obtained if you know that a lender just across the street provides a better deal for you.

You can receive a house loan straight from the lenders, but Mortgage Brokers have more alternatives and can frequently negotiate better deals. They are also more accessible by phone or email.

We do not charge a fee up front for our services, however your Mortgage Broker will earn a commission from the lender for referring them business after you have settled on your home.

Mortgage brokers often ask for a form of identification, such as a driver’s licence or passport, proof of income (payslips, NOA employment letter, Business financial records, bank statements indicating salary credits), and proof of finances (bank statements) to complete the application.

Mortgage brokers don’t charge their clients any upfront fees for their services; instead, they make money off of the commission they get after the closing of a client’s home loan. The amount of the commission will be shown on the paperwork that accompanies your loan.

In contrast to a lender, who would lend money to you directly, a mortgage broker will work as a go-between between you and the lender in order to get the best possible terms for you.

A mortgage broker may provide you with greater value in a number of ways, including more flexibility with lenders, the opportunity to arrange meeting hours, and the capacity to do so.

BH Brown Mortgage Brokers have designed a space that is user-friendly, fun and educational, with a focus on providing a secure environment for first-time purchasers and their families.

Customers are put at ease by BH Brown Mortgage Brokers’s use of straightforward language, honesty, and patience, as well as by the company’s commitment to maintaining current communication practises and training for its employees, all of which contribute to the provision of the highest possible standard of customer service.

Clients of BH Brown Mortgage Brokers are each assigned their own own client service representative who is available to them 24/7. Their customer care representatives handle all communication from the initial point of contact through settlement. This ensures that the client receives the best possible communication, that no emails are missed, and that the customer care representative gives the client the time and devotion that the customer deserves.

Because everyone in the organisation is actively involved in the transactions pertaining to each customer in their own areas of expertise, there are very few, if any, delays. The feedback from their clients suggests that they are quite enthusiastic about the methods that are used in this strategy.