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Reasons to use a Mortgage Adviser

October 31, 2019
by
Peter Moore

If you've never used an adviser before - you might be wondering why you wouldn't just go straight to the bank to get your loan. The list of benefits is quite long - so the best thing to do is get started!

  1. Better rates. Liquid advisers are constantly in touch with lenders, so we know what the banks and other lenders are willing to offer. We can play the lenders off each-other and negotiate the best rate for your situation.
  2. Less fees. Generally, you won't be charged for our services - the lenders pay us a commission. Sometimes a fee can't be avoided, but if this is the case we will let you know up front. We can also sometimes get fees from the lenders waived because they haven't been required to spend time with you going through the loan application process.
  3. Better advice. Liquid advisers have a ton of experience structuring loans for our client's best interest and goals, which means you get to benefit from this. If you go straight to the bank, you'll be very unlikely to get this advice.
  4. Less hassle. If you want to hunt down the best loan, you might need to speak to or even visit multiple banks to get competitive rates or find the one that will charge you the least fees. We can probably tell you who your best fit is straight away - all you need to do is provide us with some info on your financials. We make the lending process easy, supporting throughout.
  5. Peace-of-mind. We've already talked about the experience you can lean on with Liquid - but it's more than that. Leaving your lending in our hands means you can focus on other things, knowing that experts are working with the lenders to get you a great deal and are here to answer any questions you have.
  6. Debt management. We've seen every kind of loan, and every kind of borrower. How you manage your debt will depend on a few things - we can help you make that plan based on your goals.
  7. Professional and Independent. Liquid is a member of the WealthPoint network, which means that our Authorised Financial Advisers are regularly audited for best practice and are required to perform CPD (Continuing Professional Development). Wealthpoint does not provide any financial products, and therefore no preference as to which products we advise to our customers (unlike say, a staff member of a bank - who would be very unlikely to advise against using their own products).
  8. One-stop shop. Liquid also has advisers who are experts in insurance, wealth management and retirement planning. Save yourself even more time - we can put together the whole package, or refer you to quality professionals to help you with other parts of the process.
  9. Market knowledge. Because we are looking at properties every day - and importantly how the lenders treat different properties, we can give you some insight into what looks good and what might be worth avoiding. There is a lot to consider, and we're happy to help you with those considerations.
  10. Less stress. Buying or building a home or business is stressful, but we do everything we can to take some of the load.
  11. Partners for life. Once we've helped put your loan together, we'll keep an eye on trends and products in the market and let you know if there's something we think might interest you. We'll also be in touch when it's time to re-fix your loan, and discuss refinancing if it makes sense for you to do so.
We could go on - but you get the idea. If this sounds like something you'd like to take advantage of,
Contact us now to learn more.
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about the author

Peter Moore

Developing and maintaining ongoing supportive relationships with my clients is a major priority for me, and I am committed to providing you with professional advice and personal service to help you achieve your goals and build a secure financial future. While I can help you with your broader financial needs, my particular area of expertise is in residential and commercial property lending.

I have been involved in the financial services sector for four decades, and have been a financial adviser since 2001. I’ve established and maintain solid relationships with a number of lending institutions to ensure that my clients get the best possible solution tailored to their individual requirements.

Continued education is highly important to me. I’m a Chartered Accountant and have completed a Diploma in Business Studies (Personal Financial Planning). With these credentials, clients can be confident that their financial needs will be appropriately assessed prior to making a final recommendation.

On the weekend you can usually find me developing the rural lifestyle property in Albany I live on with my wife Gail. I have three children and recently became a grandfather to my first grandchild.

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