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90 Marine Terrace Fremantle, WA, 6160

4 things you must know right now

Most of the information I rely on as a mortgage broker is variable – think payslips, account balances, price changes, document dates, new conversations that change the previously agreed amount of the loan or configuration, etc. etc.

Not to mention the cost of borrowing and how volatile the rate changes have been recently – mostly unfavourable.

Not the end of the World though. People come to me because we’re the problem solvers, so to simplify the way we help you get ahead in today’s unpredictable market is by doing these four things:

  1. Recommending lenders we have at least a few dozen Clients with and have received excellent long-term feedback. We call this “sticky”. i.e. we can’t find another lender who can beat the rate, fees or service AFTER we’ve placed you there.
  2. Choosing “always competitive interest rates”. This ties into point ‘1’ above. There’s a small handful of lenders that are always sharp and consistent with fees. We want you to be with them – it also reflects well on us in the long run.
  3. Understanding rates will change – always. Right now, each lender is doing their own thing. Using our “living and breathing it every day” knowledge, we want to get you with a lender that is always jostling for top spot. Only years of experience can gain you this knowledge.

Don’t expect rates to drop dramatically any time soon.

  1. Letting our Client’s know that rates can fluctuate before, during and after the application process. Don’t tell us we never told you.

Right now, there are some attractive “acquisition offers” available. Find out more here.

And please don’t be a simpleton and go directly to CBA, Westpac, ANZ or NAB because you’ve been with them since you were a kid.

The majors have their place, but they typically are there for trickier scenarios only.

Demand more from your current lender – call them and ask “are you really looking after me”.

They won’t be.  

After you’ve done that, request your free 10-minute intro call (valued at $54.80) limited spots available. Please don’t be that person who calls the office to complain they can’t get an appointment because they left it too late.

If we can see a clear advantage for you, we will review, recalibrate, reduce rates and – if necessary – restructure. The “Five R’s”.

It takes a few minutes to figure out how we can save you tens of thousands of dollars over the life of the loan (bank profit).

It beats me why so many people whinge about the price of capsicum and coffee but won’t pull their finger and review their mortgages or get the very best offer in the first place.

I dunno, some people must like wasting money.



P.s. if you’re interested in making money, you could refinance, save a few grand and then invest that into bank shares and they can pay you. Know what I mean? Not advice, just an idea I had.

Brodie Brown

BH Brown Mortgage Brokers