When it comes to financing your home, the local bank is not your only choice.

Purchasing a home is the largest single investment most Australians will make during their life.        When in doubt, borrowers often turn to what they know, feeling assured that the major banks are their only or at least their “safest” bet. There are, however, options outside the “big four” banks, with mortgage managers and originators proving to be a genuine alternative and well worth looking into. Mortgage managers or mortgage originators, operate similarly to banks except that they specialise in lending. Mortgage managers are smaller than the big four, but their service levels certainly aren’t, in fact service is an important reason why you should consider them. Their smaller size makes it easier for them to offer a high level and more personal service than many banks.Turnaround times are another big drawcard for looking beyond the big four banks, with these smaller institutions often able to act more quickly to service your financial needs.

The broker proposition :Mortgage brokers are an excellent first point of call when it comes to looking across the full spectrum of home loan products that are available. Not only can a mortgage broker help you secure the most competitive rates available, they can also help you assess your current financial situation and select a lender and product to meet your individual needs and circumstances. Here are a few reasons why a mortgage broker could be your best option:

Secure you loan more easily, provide a wide range of options, find a product tailored to your personal needs, have expertise to help you avoid any pitfalls. If you are in need of any advice regarding a new or existing mortgage you can contact John Whitten on 0749722081 or 0410433919. You can also email him at jwhitten@ihl.net.au or look him up on the net www.ihl.net.au. John Whitten is a credit representative (CRN 399796) of BLASSA Pty Ltd (Australian Credit Licence No 391237).