We help families to buy their homes. We help investors expand their portfolios. We help businesses develop smarter structures at better rates. We do this by discovering what you aspire to achieve and help you to realise your dreams through an informed and competitive approach to obtaining finance.

We link homeowners, investors and business people with the best finance products from Australia’s largest panel of lenders including major banks and other secure lenders.  In the most competitive lending market most have ever experienced, finance has become commoditized to the point that using a mortgage broker is now imperative to guarantee you find the best product.  Maximizing both the rate at which you borrow and the manner in which the product is structured requires a dedication to monitoring the industry and of course a broad yet specialized knowledge of the market. This is the skill set that underpins the success of every Vision broker, who service our local communities every day.

How does a mortgage broker work; and how do they get paid?

Mortgage brokers offer products from a panel of financial institutions, including banks and non-banks. The Australian loan market offers thousands of home loan product, substantially more than has ever been available before. Put simply, a broker evaluates your situation against the lending panel for the best deal using a combination of industry knowledge and technology. Additionally, Vision brokers draw on their relationship with lenders to negotiate a better deal as well as assist you in key areas such as selecting the right home loan and structuring it most effectively. When you decide on which lender you want to work with, it is the lender who pays our mortgage broker.*

How can a mortgage broker not charge for their service?

Banks and lenders work with mortgage brokers because they offer the lender a broader market presence without saturating the market with shop fronts and marketing. When you decide which lender you want to work with, that lender pays the broker fees or commissions for your business. Just as if you were dealing directly with a bank manager or lender yourself, these fees do not change the interest rate you pay on your home loan or any other cost that you may incur as a result of the finance.

What a broker can do for you.

More than half of Australian home loan seekers are choosing to use a mortgage broker. Vision brokers offer services across Australia to a broad range of people in all kinds of situations including first home buyers, business owners, contractors and commercial developers.  We organise loans for high and low income earners and white and blue collar works as well as business people.  

When you first meet with a broker, they will always start by asking you to explain your entire finance situation, including future plans. Little things can make a big difference to ensuring you get the  right loan for your situation now and with flexibility for future changes. Once you have decided on the loan you want, our mortgage brokers will do the legwork for you in terms of compiling your application and, once approved, working with the lender to get the loan settled. Throughout the loan process the information provided by you will be kept in the strictest confidence.

Your Vision broker will:

> Discuss and confirm loan options in writing

> Explain all documents of the loan application and help you to complete them

> Explain the loan process, from application to closing

> Explain all associated costs and fees of the loan application

> Explain the disbursements

> Communicate with you throughout the loan process in a timely manner

> Follow up the lender for you from application through conditional and on to unconditional approval

> Negotiate with their lender/s to achieve the best deal 

Vision brokers have an acute understanding of the property process, the competitive finance market and are supported by a knowlegdgeable and committed team of core staff, processes, accounting practices, controls and technology.