A Mortgage Adviser is a financial specialists who works with you to comprehend your borrowing goals and assess your loan eligibility. Unlike direct lenders, advisers offer a more personalised service and have access to a wide array of loans from various lenders. This allows them to find the most favourable interest rates and loan terms tailored to your individual needs.

When you secure a loan through a Mortgage Adviser, you won’t face any additional repayments or fees. Advisers earn a commission from the lender for bringing in new clients, but this doesn’t impact your interest rate or any other terms of your loan agreement.

As the name implies, variable-rate home loans have interest rates that can change over time, offering greater flexibility with features like redraw facilities and the option to make extra repayments. However, they do not provide fixed repayment amounts.

On the other hand, fixed-rate home loans offer stable monthly payments, allowing you to know exactly how much you’ll pay each month throughout the loan term. Although these loans might lack some of the flexible features associated with variable-rate loans, they offer peace of mind for those who prefer consistent budgeting.

When deciding on the right loan type for your needs, consider what matters most to you—whether it’s the flexibility offered by variable rates or the stability of fixed monthly payments.

Through our partnership with a mortgage aggregator, we have the advantage of accessing loan options from over 20+ different lenders. This allows us to provide you with a wide range of tailored choices that best suit your individual needs and circumstances.