Bank Alternative, Non-Bank Lenders & Mortgage Specialists
Simply fill in the enquiry form on the right for a FREE ASSESSMENT. You are absolutely under no obligation to accept offers that are presented to you by our expert staff. It’s confidential and there is NO CREDIT CHECK.
Where to Go When the Bank Says "No"
In today’s market the banks’ lending criteria has changed, which means they say no more frequently to those looking to refinance their home loan for something as small as an overdue bill appearing on their credit file. A major downside to searching for a bank to refinance your home loan is that your credit enquiries will continue to increase, which ultimately will affect your chances of securing a loan to refinance.
In recent times non-bank lenders have escaped the shadow of the ‘big four’ banks. As interest rates are on the rise, competition is getting stronger which means you as the consumer have an alternative choice to the banks.
Just like a shopping centre that gives you a centralised location for all of your purchases, using a company such as the Australian Lending Centre means you are saving yourself time as well as money because we essentially are a ‘one-stop loan shop’.
If you are up to date with your mortgage repayments but have a couple of overdue credit cards, most likely the banks say no. Avoid having multiple credit enquiries by cutting the banks out and use a specialist such as the Australian Lending Centre, who will research all of your loan options for you and assess which one will save you the most money and be the most flexible loan for you.
How Does a Mortgage Specialist Differ to Going to the Bank?
A mortgage specialist is essentially an independent agent who acts as your representative when shopping for a loan, irrespective of if you’re looking to refinance your home loan, get a debt consolidation loan, personal loan, business loan or even a short term loan. A mortgage specialist will guide you through the process helping you get the right loan and features for your circumstances.
There are multiple benefits to using a mortgage specialist as a bank alternative a few of them are:
- A mortgage specialist can save you thousands of dollars
- A mortgage specialist has the ability to asses multiple loan options through different lenders at one time – the banks don’t have this luxury as they have to use their own products which means less flexibility for you
- A mortgage specialist compares hundreds of loans and ranks them against your specific needs
- An established mortgage specialist like us, has already formed many contacts and relationships with industry members which allows us to be able to offer you a wider range of loan products
- A mortgage specialist is a highly trained professional that moves quicker than the banks, which means you get your loan faster
- Most importantly a mortgage specialist will take the time to understand exactly what you want and find a way to help you, even if it means going above and beyond – this is definitely an alternative to the banks.
We are a bank alternative that provides a suite of loan products that cater to a wide variety of needs and unlike the banks, we will research all of your loan options for you. Our comprehensive range of loans includes:
Our team of experienced and dedicated loan consultants will take the time to go through all of your options with you and won’t waste your time if we can’t save you money. We are well known for our friendly and efficient service, which sees our clients returning for loans time and time again.
To learn about your loan options, simply fill in the enquiry form to your right, for a no-obligation free assessment, or call us on 1300 138 188 today.