You’ve scored the home of your dreams and you’ve just popped the bubbly to celebrate.
When the bottle’s empty and you’ve settled in to your new home, you’ll notice your finance broker is still in your life, and you might wonder why – after all, they got you the loan and it has since settled so why would they still care about how you are going?
The simple answer is that we genuinely care about your finances in an ever-changing landscape and are motivated to ensure your lending continues to suit your needs. We know it’s a good idea to touch base at the 1, 6 and 12-month mark to ensure that everything is going according to plan. After that, annual reviews are really important to ensure the long term plan is stuck to.
A financially savvy individual will build a relationship with their finance broker, similarly with their accountant, to ensure they have and maintain a solid plan for the future. My goal with every client is to stay on top of their personal situation to ensure any new products or lending strategies can be capitalised upon.
Life changes may impact your mortgage such as welcoming a baby into your home, receiving a higher salary, deciding to get married, coming into significant inheritance or having your income temporarily reduced. All of these events can trigger a need to revisit your lending situation.
Other situations like refinancing to a better a deal, consolidating debts, accessing equity for renovations or removing a guarantor from a loan are all reasons for having a mortgage broker within your financial team.
Even the most seasoned of investors benefit from staying in touch with their broker, who can help them maximise returns later down the track.
I pride myself on creating a client for life mentality and endeavour to be proactive in meeting every client’s needs as they change during their lending lifetime.
