Why Use a Broker?

Some thoughts to ponder when you are wondering whether you should use a broker, or just go straight to your bank..?

Simplicity

We have been through the lending process, in all its guises, countless times. Brokers take care of all the details, negotiate with the lenders on your behalf, and follow up to make sure that your new loan is completed to your instructions.

Choice

Loan products can be complex and difficult to understand, however we deal with them every day. We know the lenders, and how they can help you and we keep up to date with changing lending policy and special offers. We recommend products that are aligned with your personal requirements and may be able to negotiate a better deal than you could by yourself. At The Lending Collective we deal in all forms of lending, e.g., home/ business/investment/asset finance and any other borrowing that you can think of, with a particular focus on health and pharmacy finance needs.

Easier for you

We will organise a time to meet or chat that suits you, at home, at work, over a coffee – we’re flexible. We take care of all the annoying but important stuff (aka the paperwork), analysing your current financial circumstances and what your future needs may look like. Together we will find the right loan for you and then leave it to us to deal with the lender and manage your application process all the way to settlement.

Anytime

It doesn’t matter what part of the loan process you’re at, we can help you! Whether you’ve just started thinking about it, have found your dream home, or looking to find a better borrowing options than the one you already we can help you discover your options.

Focus on you

Because we are a small business, our success depends on your satisfaction with our services. We focus on what is right for you. And whatever your goals may be, whether it’s securing a loan for your first home or an investment property, establishing a business, or setting yourself up for a comfortable retirement, we can help make them a reality. Far more than a transactional service, we will come to know your financial circumstances back to front, allowing us to collaboratively work with you and your trusted advisors to guide you on the most appropriate course of action for your unique scenario.

The Numbers

In the past five years, consumer use of brokers has continued to grow. 71.7% of mortgages are written by brokers. This is the first time the mortgage broker market share has exceeded 70% in the last 40 consecutive quarters! (MFAA quarterly survey June-September 2022. This underlines the value of the broker model. We exist to help you to achieve your financial goals!