Think and Grow finance launched in 2015 evolving from a family partnership of husband and wife, Mitesh and Kellie Le Dedhia. The partnership established when Mitesh left Ethan Group after 11 years of service to further pursue his passion in property investment and development. Think and Grow finance quickly grew as Mitesh soon built an impeccable reputation in the local area which he still continues to adequately service today.
As a free mortgage broking service, Think and Grow finance is here to guide you through this exciting opportunity and ensure your needs are taken care of in a professional and uncomplicated manner. We understand that your first home loan will not necessarily be your last so when we help you with your first loan, we consider you a client for life looking after your current and future needs.
Our services include but are not limited to:
You can meet with a Think and Grow broker in 2 ways. Either visit the Think and Grow office or have a broker visit you. Appointments can be arranged to suit you in and outside of office hours and on the weekend. Appointment hours are between 8.00am and 8.00pm.
Yes, Think and Grow finance appointment hours are between 8am and 8.00pm, 7 days a week. By prior arrangement we can meet clients outside of our usual appointment hours.
After the initial meeting, once we assess your financial circumstances we will provide you with a time estimate. This is normally between 4-6 weeks depending on the chosen lender. Where possible, Think and Grow finance will expedite the process if there is an urgency. Once your loan is formally approved, your lender will send your mortgage documents to you to sign.
In the event that you have a bad credit ratings, we have lenders that would be happy to look at your application on a case by case basis. These lenders are more interested in your present financial circumstances and ability to pay back the loan, rather than defaults or negative listings from the past, however please keep in mind they come with higher fees and interest rate. It's hard to establish without looking at your current situation. Let us have a chat with you today.
Lenders Mortgage Insurance (LMI) is a one-off insurance payment which protects your mortgage lender against your default. LMI is commonly paid when the Loan to Value Ratio (LVR) is 80% or more. This occurs when more than 80% of the value of the property is borrowed from the lender by a buyer.
There are few ways to avoid paying Lenders Mortgage Insurance: