Any Mortgage Broker Can Help You Get A Loan

A Really Good Broker Will Guide You Towards A Lender That Genuinely Suits Your Needs…

At Real Wealth Money, we will transform the process of applying for a mortgage into a stress-free, hassle-free, financially empowering experience.

How? We use two proven strategies to deliver the best results for our clients.

1. Our exclusive, personally tailored ‘Bank Plan’

Each lender has a different risk appetite and uses various restrictions and criteria when assessing loans. This means that as you go on your journey of buying multiple properties, different banks will be suitable at different times.

At Real Wealth Money, we won’t just arrange finance for your current deal. We will take the time to discuss your investing goals and analyse your personal situation upfront, so we can create a customised financial framework known as a ‘Bank Plan’ that suits you now and in the future.

For example, some banks will assess a property’s rental income at 80% of the real figure, while others will allow the full amount to be included. I once saw a situation where a particular lender’s policy capped the allowable rental income at 4% of a property’s purchase price, regardless of the actual rental returns. This actually meant that the borrower’s loan application was declined, despite their sizeable deposit and stable income.

As you can see, these different policies can have a huge impact on your borrowing power and the outcome of your loan application. That’s why we work with different lenders day in, day out so we can stay abreast of their various policies and criteria. We use this information to create a tailored Bank Plan designed just for you, based on your current and future financial situation and goals.

Best of all, this service is completely free of charge for our valued clients. For serious buyers who are interested in taking the next step towards building their financial framework, we are also offering a free RP Data report, valued at $59.95, for a limited time.

2. Easy online application system

There’s no getting around that fact that there is a lot of work involved in applying for finance, from sourcing pay slips and tracking down tax statements to scanning and sending countless documents.

That’s why it’s our policy to make the application process as smooth as possible for you by using an online application system. In your own time, you can login to our exclusive website and enter the information required to apply for finance. Once it has been uploaded and stored in our system, you can access, analyse and update your secure information at the click of a button.

The added benefit for you is that when you’re ready to buy your next property, in six months or 12 months or four years time, our system can crunch your data automatically. There’s no need to fill out new application forms or cobble together mountains of paperwork. Instead, we just need to update certain aspects of your file (such as your current pay slips) to proceed with the loan application. It’s that easy.

7 reasons to choose Real Wealth Money for all your finance needs:

• We are successful property investors ourselves. As a result, we know what to look for (flexibility, value) and just as importantly, what to avoid (rigid restrictions, cross-collateralising) when evaluating finance options to suit your current and future needs.
• We have years of experience in the finance industry. We have successfully worked with property buyers and investors just like you in securing their financial future.
• We are committed to educating ourselves. The finance industry changes on a regular (almost daily) basis, so we know how important it is to keep abreast of relevant regulation and policy changes.
• We do the legwork for you. Why bother running around to research all of the loans on the market, evaluating loan features and checking interest rates, when we can use our professional connections and expertise to do that on your behalf?
• We don’t charge you to use our professional services. You won’t hand over a single cent in order to engage us as your mortgage broker. Instead, we are paid via lender commissions paid to us upon successful settlement of your loan.
• We believe in total transparency. All fees and commissions payable to us will be clearly outlined to you upfront, so you can be certain we’re not pushing you towards a particular lender or mortgage product simply so we can earn higher commissions for ourselves.
• We are always available to our clients at the click of a button. Whether you want to ask a question about your loan application, run through some finance scenarios or clarify information you’re unsure of, you will have the advantage of our personal, one-on-one service, available via your preferred method of phone or email.