CBM Mortgages helps Perth home buyers, property investors and refinancers understand their home loan options. We compare suitable loans from the lenders available through our panel, explain the rates, fees and features, and guide you through the application process from the initial discussion through to settlement.
Every borrower’s circumstances are different. Your income, deposit, existing commitments, loan amount, and the property you want to buy can all affect which lenders and home loan options you can access.
CBM Mortgages helps Perth borrowers compare suitable options from the lenders available through our panel. We explain the rates, fees, features and lender requirements clearly, helping you understand why one option may suit your circumstances better than another.
Preparing before you make an offer can help you approach the home-buying process with a clearer understanding of your position. This includes reviewing your borrowing capacity, available deposit, existing commitments and the additional costs associated with purchasing a property.
Finance pre-approval may help you understand how much a lender could be prepared to lend, subject to its conditions, verification requirements, property assessment and final approval. Different lenders assess applications differently, so your income, employment arrangements, credit history and the property itself can influence the options available.
CBM Mortgages can help you prepare the required documents, compare suitable lenders and understand the steps involved before you apply.
Get a clearer understanding of a property before you make an offer. Request a free property report containing recent comparable sales, property details and available local market information.
We help Perth borrowers understand their options and prepare for the home loan process. This may involve reviewing your financial position, estimating borrowing capacity and identifying the documents a lender may require.
When comparing suitable options, we consider more than the advertised interest rate. We can explain the comparison rate, upfront and ongoing fees, repayment flexibility, offset and redraw features, and relevant lender requirements.
We can also assist first-home buyers, property investors and existing homeowners considering refinancing. If you decide to proceed, we prepare and submit the application, communicate with the lender and keep you informed through to settlement.
Mortgage broker fees can vary depending on the service and circumstances. In many cases, brokers receive commission from the lender after settlement. We explain any fee you must pay, along with the required commission information and disclosures, before you proceed.
Look for a mortgage broker who takes the time to understand your circumstances, clearly explains how the broker is paid and compares suitable options from the lenders available through their panel. Ask about rates, fees, loan features, lender requirements and why a recommended option may suit your needs.
Your borrowing capacity depends on factors such as your income, regular expenses, existing debts, deposit, credit history and the lender’s assessment requirements. The loan amount and type of property may also affect the outcome. A borrowing-capacity review can provide an initial estimate, but the final decision rests with the lender.
In many cases, mortgage brokers receive commission from the lender after a loan settles. A broker fee may apply in some circumstances, depending on the service and complexity of the application. Any fee payable by you, together with the required commission information and disclosures, should be explained before you proceed.
Yes. CBM Mortgages can help Perth homeowners review an existing loan and compare suitable refinancing options. This may include considering the interest rate, comparison rate, fees, loan features and total cost of refinancing. Any potential benefit should be weighed against discharge fees, application costs and the effect of extending the loan term.
Ready to discuss your home loan options? Complete an enquiry and our Perth mortgage brokers will contact you to learn more about your circumstances and explain how we can help.
Reach out and let us help you with the process of home ownership with a cost and obligation free consultation
