WHY CHOOSE RIGHTSTEP FINANCE?
We know the banks inside out
Our brokers have seen all sorts of mistakes in the past! With their level of experience, they know the problems you may face on your loan application and how to mitigate them when applying with a specific bank or lender. We have a wide range of lenders on our panel and our brokers intimately understand their credit policies
Reducing risk of rejection
We can do this through our own internal credit assessment process which we complete before applying with any lender. Our team has its own internal Credit analysis to review each application before being submitted to the lenders, meaning we won’t apply with a lender who won’t approve your loan.
Mortgage Broker
Being a mortgage broker is the best. Banks can’t do what we do. Banks offer their own products only, while we compare with a huge number of banks and other lenders products to find out the most suitable loan for our clients.
Panel Lenders
We can offer choices:
The largest number of lenders in Australia are working with us through AFG. As a result we can offer the highest number of choices.
Applying directly to a lender
You might have a situation where your bank will approve a loan for you to buy a block of land and then not approve the construction loan when its time to construct a house on it!
Get a Loan with Right Step Finance
We take extra time up front to go through your full situation and provide a complete lending solution. Our brokers will look at your needs now and into the future, to make sure you have the best possible loan that looks after all of your needs.
HOW MUCH DOES IT COST TO USE A BROKER AND YOUR SERVICES?
Our services are completely free for all home and investment loans, business loans, car loans, asset and equipment finance. We get paid by the lenders for doing the work, collating your loan applications, and meeting with you. This work would otherwise be done by a bank manager or branch lender, so you get access to the same rates as if you went to the lender directly.
The advantage for you is that unlike when dealing with one bank, we can help you work with a wider variety of lenders and get the best options that work for you choosing from our huge panel of banks and lenders!
WHEN IS THE RIGHT TIME TO SPEAK TO A MORTGAGE BROKER?
You can speak with a mortgage broker at any stage during your search for a home – you don’t have to wait until you’ve signed a contract. In fact, we recommend reaching out to a baroker early on in your home buying journey.
By speaking to a broker early on in the process, you can get some guidance about your borrowing capacity and your chances of getting approved for a loan. This can help give you a quick “reality check”, and most importantly, it gives you time to resolve any financial issues that could prevent you from getting a home when you’re ready to buy.
Frequently Asked Questions
Yes, our mortgage brokers can still ‘face to face’ meet you using Zoom Meeting or Face Time or Skype, whichever is your preference. In our online meeting, we’ll be able to go through your requirements and walk you through the home buying process.
Our mortgage brokers are working and are available during the coronavirus outbreak, so if you need any assistance with a home loan get in touch today.
Mortgage brokers get paid commissions from the banks, we do the same work the branch manager would do in putting together your loan application – except we are invested in your loan application and will work very hard to get it approved, as well as provide incredible service
An Independent Mortgage Broker is someone that is not subjected to outside authority in other words, they should only be working under a fee for service model and not be paid commissions by the banks.
Right Step Finance is an independently owned Mortgage Broker, we use Australian Financial Group (AFG) as our aggregator who provide the latest technology and training to help find our customers the best finance options. We are not owned by a bank, and operate under the belief that clients come first, using our team of experts we will find the best finance solution for you.