Buying a property can be a stressful experience. Having a Mortgage Adviser help arrange the funding for you takes away part of that stress.

When the funding is first arranged a Mortgage Adviser will always look to get you the best deal but, more importantly, put a structure in place that works for the borrower – not the bank. As Mortgage Advisers, one of the things we see happening a lot is that after we help arrange the initial funding, borrowers will often go back to the bank directly for small changes to lending.

For the borrower, the focus on “getting the best deal” should stay top of mind for the entire life of their mortgage. Remember – if you get a mortgage for $500,000 to purchase a house, that mortgage amount will normally have changed very little after the first year (or even first 5). For this reason, talking to your Mortgage Adviser every time you are going to make a change to the borrowing (no matter how small) is very important.

Small things tweaked over a long time can make a huge difference to the amount of interest that you pay and, with all due respect to the banks, they are there to make a profit for their shareholders, not save you money!

Borrowers often don’t want to bother their Mortgage Adviser with small changes to the lending and so go straight to the banks for things like refixing and top-ups. The fact is that a good Mortgage Adviser is there to partner with you for the life of your loan – it’s what we sign up for and it’s what we do gladly.

The rule of thumb for a borrower is – if you are making any changes to your lending, no matter how big or how small, then talk to your Mortgage Adviser first. We’re here to help.

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