Mortgage Brokers prioritise YOU, the client, rather than the lender.

As brokers, we operate independently from any lending institution, which means we have access to a wide range of products. Our goal is to find the most suitable lender package that matches your individual needs.

Being independent of any lender allows us to explore various options rather than steering you towards a single choice. We assess your requirements, search the market for the most competitive deals, and recommend the option that aligns with your situation. Selecting the wrong mortgage can lead to unnecessary expenses.

At Prime Mortgages in Bungarribee NSW, we are dedicated professionals who can assist you in maximising your mortgage value. By staying informed about different lenders’ offerings, we can identify which property or project receives a favourable interest rate from one institution, compared to a higher rate from another. In fact, some lenders only accept applications through mortgage brokers.

Consequently, the rates we secure as Brokers are often among the most competitive available at the time. We can even negotiate with your current financial institution, potentially securing a better rate than you could achieve on your own.

We handle every step of your loan process, from preparing your application to securing approval and finalising settlement, while also offering ongoing support and assistance.

Our approach begins with listening to you, collecting necessary information, and assessing your financial needs. Using this data, we compare various options and make tailored recommendations, highlighting the most competitive rates and product features from different lenders to match your requirements. We complete the application form and compile all essential documents for submission. Your application is then electronically sent to the chosen lender.

Once your loan is approved, all that’s left for you is to sign the required forms to finalise your mortgage. We continue to manage the process by following up with any additional documents over the subsequent days and weeks. Our commitment to customer care means we maintain regular contact and review your financial situation annually to ensure everything remains aligned with your goals.

This process can be done over the phone, via email or in person – our approach is flexible to suit YOU.

Below is a list of information you may need to provide when applying for your loan. We will advise you what is needed as you proceed through the home loan application process as some lenders may need further information.

• 100 points ID (Passport/Drivers license/Australian State or Territory proof of age card)
• Last 2 Pay Slips
• Last Group Certificate
• Last 2 years Tax Returns (only if self-employed)
• Savings Statement (latest 3 months)Credit Card Statement/s
• Last 6 months Mortgage Statements (only if re-financing)

We charge nothing for helping you get the right standard home loan.

Prime Mortgages brokers get paid a commission by the lender when you receive your home loan, but we don’t charge you a fee for your appointment or for our service nor will any lender charge you an additional fee for using a mortgage broker.