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With the recent upswing of the Australian property market, more investors are looking at property as a vehicle to excel their investment portfolio.

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In this episode of the nestegg podcast, host David Stratford is joined by group general manager at CFMG Capital, Andrew Thomson, to discuss the difference between active and passive investment approaches, how his client base has evolved over the last 12 months, and the ways his business distinguishes itself from others in today’s property market.

Andrew also emphasises the importance of strong investor-lender relationships and the quick decision-making practices of savvy investors.

Click here to listen on your device

Thanks Andrew, for sharing your insights with the nestegg podcast team!

You can keep up to date with what Andrew is up to HERE and listen to his previous guest episode HERE.

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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Sunday, 17 November 2019

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Borrow

How to save thousands with the right mortgage broker

By Cameron Micallef · June 19 2019

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Borrow

How to save thousands with the right mortgage broker

By Cameron Micallef
June 19 2019

Reading:

How to save thousands with the right mortgage broker

By Cameron Micallef · June 19 2019

Reading:

A good mortgage broker will be available when you need them, save you thousands on a loans package, and align their work to your financial goals. Here’s how you can choose a mortgage broker that’s right for you.

A mortgage broker will help guide its clients through the process of selecting the best mortgage possible as well as a competitive loans package.

Due to this, clients who have a good mortgage broker can save thousands, meaning it is vital that a mortgagor chooses the right person.

In a discussion with Nest Egg, mortgage and finance specialist Bianca Patterson goes through some of her expert tips to help guide advisers into the perfect broker for them.

What makes a good mortgage broker?

A good broker understands the market, keeps on top of government regulations, can effectively communicate with clients and will be there for the long term.

“Each lender has their own policy on how they lend for investment and how they calculate an investor’s income and tax benefits, so working with the right broker will take the stress and uncertainty out of finding the right lender for the individual investor’s portfolio,” Ms Patterson said.

“The broker will be there for the long term, they will be helping investors make decisions today that will ideally make investing in the future easier as their portfolio grows and borrowing becomes more complex.”

A great broker will not be transactional or interest rate-focused. They should guide the investor to make lender choices based on policy and ability to make changes in the future rather than on the “best rate”, continued Ms Patterson.

What should investors consider before deciding on a broker?

According to Ms Patterson, it is important that investors consider the experience of the broker, how they align to the investor and whether they have similar ideologies.

“Investors should clarify that they have a similar ethos as the broker on key loan structuring points such as cross collateralisation, spreading lending risk amongst different lenders and attitude to risk and debt. The best broker/client relationship is built on trust and mutual respect,” said Ms Patterson.

What are the signs of a bad broker?

Ms Patterson has broken down the characteristics of a bad broker by the following attributes:

Poor communication skills
Hard to reach/lack of response
Limited/infrequent updates
Limited product knowledge
Limited access to lenders on their panel

In most circumstances, it does not cost anything to change brokers and most initial conversations with brokers are obligation free.

Should my broker be available on weekends?

It all comes back to communication. If the broker is clear with the mortgagor, being available on weekends might not be important.

“While it is great for a broker to be available on weekends, I don’t think it is a necessity. Within my business I encourage my clients to come to me before they make an offer or attend an auction so we can check their equity position and borrowing capacity before the pressure is on them to make what is often an emotional decision on auction day,” Ms Patterson said.

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leveraging their insights to grow your portfolio.