At Eclipse, we offer a comprehensive mortgage broking service, which goes beyond a search of loan databases. Not only do we have a choice of over 200 loan packages to find the right one to suit you, we can offer you financial advice that will set you on the right path from day 1. If you get your loan right the first time around, the long-term financial savings can be staggering. Our two lending consultants, Justin Butler and Paul Barrett are members of the Australian Loan Company and Mortgage & Finance Association of Australia.
When you use the Eclipse Mortgage Broking service we will examine:
Strategies – our advisor will look at your assets, debts, tax position and financial goals and provide guidance on strategies to minimise interest and ensure your loans are structured on the most effective manner to maximise tax deductions and accelerate debt repayment.
Loan features and options – once the strategy is clear, we can then gauge what product features would be most beneficial, such as redraw, off-set accounts, internet and branch access.
Product recommendation – after reviewing the multitude of different loan options from over 30 major lenders including the ‘big four’ banks, we then make a specific product recommendation on which loan package that has the required features and options with the most competitive fees and interest rates.
Application and approval process – we will organise the loan application and supporting documentation, analysing the your situation and comparing this to the bank’s application approval criteria, submit the application, liaise with the bank to get approval and then guide you through the documentation and settlement process.
Eclipse can help you secure finance for a house, investment property, equipment, motor vehicle or boat. We understand that when buying property, time is of the essence and we urge you to begin the application process with us as early as possible.
For the business owner, we offer a referral service for commercial lending. Our advisors have an intimate knowledge of local bank structures and can set you on the right track for your commercial lending needs.