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By Natalie Fasham

Let me say this loudly, loyalty doesn’t necessarily pay anymore. Not with lenders (banks) anyway. They’re busy acquiring new clients, delivering dividends to shareholders… and they know that we Aussies like to stick with the brands we know.

Banks can be guilty of taking their current clients for granted. You may have a long term savings account with a bank but that doesn’t guarantee you a great home loan.

Loyalty is a characteristic we value but when it comes to home loans it could end up costing you more in repayments than is necessary. That’s when you’ve got to question the value of asking your bank, directly, for a loan.

Often customers who have been with the same bank for a while can be easily swayed by the offers put right in front of them, tempted to go with the first one they see.

After all, with the busy lives we all lead, it’s easy to just head to the bank and pick the first product the bank suggests, isn’t it?

These days, if you’re looking to find the right deal, with suitable inclusions and terms, and would like to save as much money as you can, this is where a Loan Market mortgage broker – like me – can be worth their weight in gold to you.

Look, you might even end up with your current bank, in the process, but boy will we make them work hard for you.

10 reasons you’ll love a broker more than you love your bank…

  1. On January 1, Best Interests Duty (BID) will apply to brokers, not banks. This means you’ll have a professional who is legally obligated to work and act in your best interests – and no one else’s.
  2. You get someone who works for you. Bankers work for their shareholders.
  3. You’ll benefit from a comparison of over 60 banks and lenders who offer thousands of loans and products. ^
  4. You’ll have someone with you for the long haul, regularly checking in on your loan to ensure it aligns with your goals.
  5. You’ll have someone fighting for the fittest rate on the market for you so that your loan matches your needs and goals, not the first product on the shelf.
  6. You can contact me at any time, not just during the restricted working hours of a bank.
  7. You’ll have a professional advising on rates, repayments, incentives and contracts.
  8. From the first Fact Find to the final repayment, your broker is with you all the way.
  9. You won’t be left alone to negotiate with bankers, agents, conveyancers, accountants…
  10. Oh, and did I mention that having a broker comes at no cost to you?*

I’ll search high and low, across thousands of products, all the best known and emerging banks and lenders to find your loan. A Loan Market broker is part of a family owned company, I genuinely want what’s right for you.

^Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.*There may be occasions where you may be charged a fee by your broker. This document has been created by Loan Market Pty Ltd (ABN 89 105 230 019, Australian Credit Licence number 390222). It provides an overview or summary only and it should not be considered a comprehensive statement on any matter.You should before acting in reliance upon this information seek independent professional lending or taxation advice as appropriate specific to your objectives, financial circumstances or needs. Information included has been sourced from third parties and has not been independently verified. Accordingly, Loan Market Pty Ltd is not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.

Courtesy of Loan Market.

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