Mortgage Advice Fees
Most mortgage fees are covered by the bank, however there are some specific mortgage fees which aren’t covered, these are listed below.
Service
Pricing
Self-employed Applications
$500 - for an initial assessment
Benefits
Is there a deal or no deal? Learn this without any negative effect on your credit score
We’ll present the application so that the servicing works in your favour, ensuring it’s easier for the bank to approve, if it’s not approved we’ll see what can be done in order to get your application over the line
We’ll find out what income you can use to service the application and how much you can look at borrowing
You’ll gain an in-depth analysis of your financials
We’ll also quote for the cost to complete the application for you
Service
Pricing
Refixes for Non-clients
$150
Benefits
You’ll receive tailored advice from us, while taking current market conditions into account
An Adviser will review your overall position and provide recommendations on your refix terms
Service
Pricing
Restructures
$250
Benefits
You’ll receive tailored advice from us, while taking current market conditions into account
An Adviser will review your overall position and provide recommendations on your restructure terms
We’ll communicate on your behalf with the bank to ensure the correct outcome is achieved and that the bank understands your request clearly
Service
Pricing
Small Lending Applications
This fee varies based on the work required. Small lending applications are for loans that are $300,000 and under.
$500 – 1000
Benefits
You’ll receive the same level of advice and service as a bigger loan
We’ll prepare your application so it has the best chance of getting a yes from the bank
We will not submit your application if potential decline or presenting as required
You’ll receive advice on your loan structure – while taking your full financial position into account
If your fee ends up costing $1000, you’ll receive access to our Fast Track Your Mortgage Plan Lite
Service
Pricing
Applications Using Overseas Income
This fee is based on the work required to factor in any overseas income you’d like to be considered in your lending application.
$250
Benefits
We’ll prepare your application with the best chance of getting a yes from the bank
We will not submit your application if potential decline or presenting as required
Service
Pricing
Progress Builds & Renovation Construction Lending
$500 minimum fee