Loan Options
Explore the types of loans we can assist you with.
Choose The Loan That’s Right For You
A home loan is the biggest financial commitment you will make during your lifetime, so getting it right is essential. Choosing a home loan that doesn’t align with your circumstances can cause major financial strain that can last for decades and have a significant impact on your budget and lifestyle.
That’s why it is so important to work with the best mortgage broker in Melbourne so you get your loan right from day one.
At Clark Finance Group, we’ll assess your current financial position and talk to you about your dreams for the future. From there, we will develop a lending solution tailored to you and your financial goals. Our Melbourne finance brokers have extensive experience in all aspects of lending, from managing an SMSF loan to setting up bridging loans and refinancing.
What Type of Loan Do You Need?
First time venturing into the property market? The first step is knowing what kind of financing you need. The lender and loan you choose will depend on your circumstances.
You may be excited to take on your first home loan or looking to refinance so you can upsize or renovate. There are also loan options to borrow so you can invest or buy a new home before you sell your existing one.
No matter what you’re after, our brokers can match you with the most appropriate mortgage solution to help you embark on one of life’s most exciting chapters. Talk to us to define your needs. From there, we will work to identify the best solution for you.
What We Offer
Smart Lending Solutions, Tailored for You
Common Questions
Frequently Asked Questions
A mortgage broker acts as a middleman between you and your future lender. They do all the hard work for you in finding the right home loan for your needs. All you need to do is let the broker know what kind of mortgage you’re looking for, and they’ll get to work comparing lenders and mortgage solutions that best fit your needs.
Most of the time, mortgage broker firms have access to loans that aren’t openly available on the market, meaning they can secure you a more competitive interest rate than the standard advertised rate. They’ll also take care of all the paperwork, from gathering your personal information for your application to liaising with the lender to get the deal over the line.
A mortgage broker acts as an intermediary, accessing various lenders to find competitive rates and terms for clients and offering a range of loan options. In contrast, a bank loan officer works exclusively for one financial institution or bank and can only offer loans under their brand name, limiting flexibility and variety in mortgage options for borrowers.
Mortgage brokers are paid through commissions or fees paid by the lender. These fees are often a percentage of the loan amount. Depending on the services provided, some mortgage broker firms may charge a flat fee or a combination of both. At Clark Finance Group, we don’t charge our clients fees.
Home loan brokers in Melbourne will need financial information from you to secure the right home loan for your needs. This can include proof of income (such as pay slips or tax returns), credit history, ID verification and details of current assets and liabilities. They may also require information about the property you intend to purchase or refinance.
The mortgage approval process with Clark Finance Group typically takes 3 to 10 days depending on the lender chosen. This timeline can vary depending on the complexity of the borrower’s financial situation, the type of loan being sought and the lender’s specific requirements and processing times.
Get in touch
More information?
Book a free consultation
support@clarkfg.com.au
Phone 1300 366 670
