Get to know Think & Grow Finance

Brokers can charge upfront fees depending on the complexity of the loan. In all cases we are paid by the respective lender on settlement therefore our service to you, is a free service. To ensure we retain existing clients and secure your future business, we do not charge any fees for credit or structure advice or to find you the best deal each and every time. Annual reviews of your loan are at no cost either.

Whilst commission between the lenders vary, we are fully transparent and make this information readily available to you. As a result of years of experience working and dealing with a large number of lending institutions, we are able to scour the market for the best deal for you. This is achieved by using the latest industry technology software.

There are countless reasons why it pays to use a Mortgage Broker when shopping for the best loan. The biggest being that it saves you precious time and hassle. Nowadays over 50% of loans are written through Finance Brokers, which is why seeking a qualified Credit Adviser Mortgage professional is now the smartest and quickest way to obtain finance.

Think and grow operate around the clock, and where possible come to you. We understand in today’s busy society, it is difficult enough to get to the bank let alone in time before it closes. Appointments can be scheduled in and out of business hours and even on weekends.

Researching hundreds of loans from different lenders takes a lot of time. Based on your needs, we will compare and provide you with the right loan, from thousands of products from over 40 lenders in minutes using the latest industry technology software. More importantly we explain the differences to you so you can make an informed choice.

In addition, how many times have you been frustrated to find out that the contact you were dealing with at the bank has left or moved on? At Think and Grow finance, it is guaranteed that the same professional will see you throughout the entire process of your loan ensuring you obtain the same level of service and understanding of your particular needs.

As property investors ourselves, we have personally undergone numerous different structures from residential, commercial to property development loans. With this knowledge we can help you diversify your portfolio and structure your finances correctly to ensure you are on the right path to future wealth. To structure your finances for maximum tax effectiveness, we can speak to your accountant or financial planner.

Meandering through endless mortgage products to find the best deal possible is a tough call, especially for the uninitiated. So how do you go about choosing the one that is right for you?

When engaging with a Think and Grow Finance professional, we understand that each person is different and the loans and lenders suggested will depend on how you, as our client wants to utilise your loan.

Choosing the right mortgage can be an over whelming experience therefor we encourage you to involve your spouse or relevant family members in the initial consultation to help raise issues for discussion. That way we are able to efficiently and effectively find the most suitable deal for you. When what you are seeking is clear and the size of the loan required, we know how much we can push the banks when it comes to interest rates and policy. We also have strong relationships with BDM’s of many banks resulting in fast turnaround and discounted pricing (interest rate discounts). These discounts are generally not attainable if you go to the bank directly.

So your first thought when taking out a loan is to go to the bank, however there are so many lenders out there including credit unions and building societies. In recent years the mortgage manager or non-bank lender has emerged therefore it is in your best interest to consider them all. Both bank and non lenders have to abide by the same laws, rules and regulation which governs all credit transactions in Australia. Quite often non lenders will offer very competitive rates and can be the cheaper option with less stringent lending criteria.

We value all business as well as recommendations and referrals therefore like to stay in touch to check in from time to time. Our core values are based on transparency and integrity which will reflect even more so, in the way we treat our clients after settlement.

Our aim is to look after your finances as a lifelong commitment. That’s why we offer regular mortgage advice and guidance throughout the different stages in your life.

In most cases, we do not charge for the credit or structure advice or for finding you the best deal as we are paid by the bank on settlement of the loan. It’s very rare that you can see a professional with years of experience and industry knowledge who will not charge you, so what are you waiting for?

If you would like to walk from bank to bank asking them about their products, interest rates and whether you meet their policy, you are free to. However it is a time consuming way of obtaining finance. Nowadays over 50% of loans are written through Finance Brokers, which is why seeking a qualified Credit Adviser Mortgage professional is now the smartest and quickest way to obtain finance.

We can meet you and within minutes, determine the best finance provider to align you with as a result of years of experience, working and dealing with a huge number of institutions. This can only be achieved by using the latest industry technology software which forms part of our core business to scour the market for the best deal for you. At time of writing, we have access to around 50 lenders.

As your trusted credit adviser, we speak to your accountant or financial planner as to the best way to structure the finance for maximum tax effectiveness. By going direct to the bank, you may not obtain the same level of interest in your particular needs.

A financial institution may be able to provide a decent interest rate, but that may not be the best outcome if the finance is not set up correctly.

In addition, how many times have you found a good contact in a bank, only to find that they have left or moved on? By dealing with Think & Grow finance, you will not have this problem as we are here for the long term.

The average person has little idea of the deals that can be obtained via the bank. As soon as you tell us what you are seeking and the size of the loan you require, we know how much we can push the banks in terms of their interest rates and policy. Given the amount of finance deals we lodge and the desire for the banks to win our business, we have special accreditation with many banks resulting in fast turnaround times and discounted pricing (interest rate discounts). These discounts are generally not attainable if you go to the bank directly.

Furthermore, some banks have specialist divisions that are set up for Finance Brokers and you can only access these interest rates and products by using firms such as ours.

The finance industry is constantly evolving and there has been more of a focus in recent times from both the Australian Government and ASIC. In July 2011, the Australian Government introduced legislation to abolish “early repayment fees” which meant that it was easier and cheaper for consumer’s to refinance and move banks.

In addition, in July 2010, the Government also introduced the National Consumer Credit Protection Act which had a number of purposes. Some of these were to ensure that those operating in the field of providing credit advice are duly qualified and obtain a membership with an industry body such as the Mortgage Finance Association of Australia (MFAA).

Those holding Australian Credit Licences (ACL) or those working as a Credit Representative are governed by ASIC. The result is that you are dealing with a highly regulated industry with duly qualified representatives.

There are many online lenders offering cheap rates, but are they really any good?

The issue with online lenders is that they generally only assist with payg/salaried employees. In addition, they do not cater for larger loan sizes or offer any credit or structure advice so there is no one to build a relationship with. Finally, in terms of products, it is rare they offer essential features such as redraw, interest only periods and offset accounts for example. Hence, obtaining just a low rate may end up costing you more in the long run.