tierra-mallorca-rgJ1J8SDEAY-unsplash

Benefits of using a Mortgage Broker

A professional mortgage broker originates, negotiates, and processes residential and commercial mortgage loans on behalf of the client. Below is a six point guide to the services you should be offered and the expectations you should have of a qualified mortgage broker:

1. OFFERS ACCESS TO HUNDREDS OF LOAN PRODUCTS

A mortgage broker offers a wide range of mortgage loans from a number of different lenders. The greater the broker’s experience and network, the better your opportunity to obtain the loan product and the interest rate that best suits your needs.

2. FINDS THE MOST ADVANTAGEOUS DEAL

A mortgage broker represents your interests rather than the interests of a lending institution. They should act not only as your agent, but as a knowledgeable consultant and problem solver. With access to a wide range of mortgage products, a broker is able to offer you the greatest value in terms of interest rate, repayment amounts, and loan products. Mortgage brokers will interview you to identify your needs and your short and long term goals. Many situations demand more than the simple use of a 30 year, 15 year, or adjustable rate mortgage (ARM), so innovative mortgage strategies and sophisticated solutions are the advantage of working with an experienced mortgage broker.

3. HAS FLEXIBILITY & EXPERTISE TO MEET YOUR NEEDS

A mortgage broker navigates the client through any situation, handling the process and smoothing any bumps in the road along the way. For example, if borrowers have credit issues, the broker will know which lenders offer the best products to meet their needs. Borrowers who find they need larger loans than their bank will approve also benefit from a broker’s knowledge and ability to successfully obtain financing.

4. SAVES YOU TIME

With a mortgage broker, you only need one application, rather than completing forms for each individual lender. Your mortgage broker can provide a formal comparison of any loans recommended, guiding you to the information that accurately portrays cost differences, with current rates, points, and closing costs for each loan reflected.

5. SAVES YOU MONEY WITH NO HIDDEN COSTS

A mortgage broker is offered loans on a wholesale basis from lenders, and therefore can offer the best rates available in the market, typically making the total loan cost lower for the client. A reputable mortgage broker will disclose how they are paid for their services, as well as detail the total costs for the loan.

6. DELIVERS PERSONALIZED SERVICE

Personalized service is the differentiating factor when selecting a mortgage broker. You should expect your mortgage broker to help smooth the way, be available to you, and advise you throughout the closing process. Check the qualifications and experience of the mortgage broker, ask for references, and rely on referrals from your attorney, accountant, real estate agent, or financial planner.



Rowena Telebrico-Sabdao

Registered Financial Adviser

For Home Loans, Personal Loans, and Insurance.
Phone number: 021 2456988
Email: rowena@lifeprotectorlimited.com
Life Protector Limited
Level 1, Quad 7 Bldg.,
6 Leonard Isitt Drive, Auckland Airport,
Auckland 2022

success1

A Proud New Homeowner!

Congratulations to this lovely couple from Papatoetoe, Auckland. They just moved in to their new home.

I met Darren and Marvin sometime last year looking to apply for a home loan.

Their family is growing and they needed a permanent home where they don’t need to move every now and then when the landlord decides to sell the house.

After assessing their financial capacity, we have journeyed together all the way to where they are now.

Once again, a big Congratulations to your new milestone.

Rest assured that we will be with you from day 1 till you’ll be mortgage free!

As we’ll be constantly reviewing your mortgage before your fixed term expires and providing you the best options so that you can pay off your mortgage faster without jeopardising your lifestyle.

Should you also be interested to find out on how to be a new home owner, please contact us.

Rowena Telebrico-Sabdao

Registered Financial Adviser

For Home Loans, Personal Loans, and Insurance.
Phone number: 021 2456988
Email: rowena@lifeprotectorlimited.com
Life Protector Limited
Level 1, Quad 7 Bldg.,
6 Leonard Isitt Drive, Auckland Airport,
Auckland 2022

travel driving

Alex & Kat – Happy Customers

“We had our home loan refinanced through Life Protector Ltd. this year. The whole transaction went smoothly and without a glitch. It is a breeze dealing with Rowena. When we first purchased our home we did not go through an adviser and everything was through the bank – we did not feel as much support as we did with Life Protector. We were also able to update our home & contents insurance as well as our life insurance at the same time – this was really very convenient for us as we are busy people and we do not have the time to be calling around. Rowena did all the groundwork for us and all we had to do was review, approve and sign. Thank you Life Protector Ltd. for the wonderful service.”

 

Regards,
Alex and Kat

Rowena Telebrico-Sabdao

Registered Financial Adviser

For Home Loans, Personal Loans, and Insurance.
Phone number: 021 2456988
Email: rowena@lifeprotectorlimited.com
Life Protector Limited
Level 1, Quad 7 Bldg.,
6 Leonard Isitt Drive, Auckland Airport,
Auckland 2022

alex-iby-LaHo9Set3bI-unsplash

Kevin and Imelda – Happy Customers

“We are very happy with the service. The service was personalized. All our questions were answered which helped us make an informed decision. Because of that, we got a better package. I have no reservations recommending our mortgage advisor. She has done a good job of guiding us through the process.”

Regards,

Kevin & Imelda

Rowena Telebrico-Sabdao

Registered Financial Adviser

For Home Loans, Personal Loans, and Insurance.
Phone number: 021 2456988
Email: rowena@lifeprotectorlimited.com
Life Protector Limited
Level 1, Quad 7 Bldg.,
6 Leonard Isitt Drive, Auckland Airport,
Auckland 2022

house

Siuka Pakileata – Happy Customers

“Of course Rowena, we have been doing business for a while now and I want to verify that you and Life Protector Limited Insurance had helped my family. That’s why everything is possible today.

I strongly agree and very happy with everything we’ve done in the past, and still looking forward for the incoming future.


Regards,
Siuka Pakileata

Rowena Telebrico-Sabdao

Registered Financial Adviser

For Home Loans, Personal Loans, and Insurance.
Phone number: 021 2456988
Email: rowena@lifeprotectorlimited.com
Life Protector Limited
Level 1, Quad 7 Bldg.,
6 Leonard Isitt Drive, Auckland Airport,
Auckland 2022

jude-beck-kPeugAckSPo-unsplash

Jethro Guerrero – Happy Customers

“At long last, we are gonna be moving into our brand new KiwiBuild Home. We did it. KiwiBuild is one of the many first, we are fortunate to be part of it, after all the stress & hassles, we finally made it. God Bless u & family”

Regards,
Jethro-John Guerrero

Rowena Telebrico-Sabdao

Registered Financial Adviser

For Home Loans, Personal Loans, and Insurance.
Phone number: 021 2456988
Email: rowena@lifeprotectorlimited.com
Life Protector Limited
Level 1, Quad 7 Bldg.,
6 Leonard Isitt Drive, Auckland Airport,
Auckland 2022