Mortgage Broker in Box Hill, VIC 3128

At Traj Finance, we're Box Hill Mortgage Brokers helping clients get a new loan or refinance their existing loan

5.0

from 17 Reviews

Traj Finance Mortgage Broker in Box Hill, VIC 3128

Looking for a Mortgage Broker in Box Hill, VIC 3128? Welcome to Traj Finance

Traj Finance is your dedicated finance and mortgage broker located in Box Hill, VIC. Specialising in seamless access to loan options from banks and lenders across Australia, Traj Finance ensures your home-buying process is well-supported. Understanding the intricacies of loan applications, whether for a home or investment loan, becomes straightforward with expert guidance. Box Hill locals and prospective buyers can benefit from customised solutions, tailored interest rates, and detailed insights into the local property market.

Securing the right home loan starts with understanding your financial situation and borrowing capacity. Traj Finance assists clients in applying for a loan by evaluating their credit history and loan amount needs. The application process considers essential factors such as loan to value ratio (LVR) and lenders mortgage insurance (LMI). This depth of assistance reassures clients by offering loan pre-approval and helps them get pre-approved, maximising their readiness to make informed decisions. Traj Finance stands out by offering a streamlined application process with clear guidance on preparing necessary documents like bank statements.

Calculating loan repayments and understanding different types of interest rates is crucial. Home buyers often weigh the pros and cons of a fixed interest rate loan versus variable loan rates. At Traj Finance, expert brokers help clarify these aspects, including how an offset account can decrease the overall loan interest rate. With access to interest rate discounts, clients benefit from well-structured financial planning. Exploring both variable interest rate and fixed interest rate options allows borrowers to choose what best suits their needs.

The local property market in Box Hill, VIC presents unique opportunities and considerations. Stamp duty, home equity advantages, and specific loan options are essential when strategising a property investment. Traj Finance’s thorough knowledge of the local area helps buyers understand these complexities. By focusing on tailored solutions, clients receive support designed to match their financial goals, whether they are first-time home buyers or seasoned investors.

Experience with Traj Finance is more than just about applying for a loan; it’s about securing a future. The professional support provided ensures clarity throughout the process, from loan pre-approval to finalising the details of interest rates. Contact Traj Finance today and explore how expert guidance can transform buying a home into a well-informed endeavour.

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Get in touch with your local Mortgage Broker in Box Hill, VIC 3128

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Our Process for helping locals in Box Hill, VIC 3128 with their lending needs

Initial Meeting
Begin by having a chat with one of our qualified Finance & Mortgage Brokers, either face-to-face or via a Teams video call. We will explore your goals and overall strategy, taking time to understand your situation. We also discuss loan types, options, and special policies you may be eligible for.
Documentation
Next, we go over all necessary documents. Reviewing your financials, assets, credit history, and bank statements allows us to provide accurate insights into your borrowing capacity. This ensures we have everything we need for a strong submission that aligns with your financial objectives.
Strategy Meeting
In this session, we delve into credit policies and refine your financials to maximise servicing potential. We break down the loan amount, interest rates (both variable and fixed), potential rate discounts, and the importance of the loan-to-value ratio (LVR). Our goal is to offer personalised solutions that match your objectives while ensuring a clear understanding of all requirements.
Loan Submission
Once you receive pre-approval, you can confidently begin bidding or making offers on properties. We then submit your complete application and supporting documents to your chosen lender, aiming for the best possible outcome based on your financial goals.
Approval and Signing
After approval, we organise document signing and provide guidance, ensuring clarity. We guide you through each step to finalise your mortgage effectively.
Settlement
Upon property settlement, your loan is drawn down, and you can move forward. We coordinate with all relevant parties to make sure the process is efficient and seamless. You’ll also receive guidance on loan repayments and managing your interest rate.
Post Settlement
Following settlement, we stay in touch to ensure everything continues to run smoothly. We remain available to answer any questions about your new loan and assist with any changes you might need. Furthermore, we review your loan every six months to maintain competitive pricing, demonstrating our commitment to your financial well-being.

About your Mortgage Broker in Box Hill

Traj Finance is more than just a brokerage, we're your trusted Mortgage Broker in Box Hill for strategic guidance towards your property goals. Danny leverages his extensive knowledge of lending policies, financial structures, and financial statement analysis to secure exclusive loan options and develop customised wealth-building strategies for each client. This personalised approach, combined with access to a diverse network of lenders for high-net-worth individuals, empowers his clients to achieve their property vision with clarity and confidence.

Traj Finance is where wealth strategy meets financial excellence.

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Danny Traj Finance Mortgage Broker in Box Hill, VIC 3128

Our Recent Reviews

I couldn’t speak highly enough of my experience with Traj Finance. Danny is very knowledgeable and helped us come up with a plan for our future financial goals. Would definitely recommend getting in contact with the Traj Finance team!

Angela Pomohaci

Absolutely outstanding service! Danny made the entire finance process seamless and stress-free. Their expertise, professionalism, and clear communication were second to none. They took the time to understand my needs and secured an ...

Anthony Critelli

Had a fantastic experience dealing with Danny, was incredibly patient, taking the time to answer all of my questions and carefully explaining the different options available. I felt that he genuinely took the time to understand what I ...

Dime T

Had a fantastic experience with Traj Finance! The entire process was seamless and hassle-free. They genuinely understand their clients’ needs and deliver exactly as expected. A special shoutout to Danny for his outstanding communication, ...

Anu Harsh

Frequently Asked Questions

How is Traj Finance different from other brokers?

With over a decade of experience in private and premier banking, Danny Trajcevski brings a deep understanding of the unique needs of high-net worth Australians. As a successful property investor with an impressive property portfolio himself, Danny has firsthand experience in using property as a vehicle for wealth creation. This experience has allowed him to retire from his PAYG income early, and transition into helping like-minded individuals achieve their property aspirations, making Traj Finance uniquely positioned to assist high-net worth Australians in growing their wealth.

Do you charge fees for home or investment loans?

When you secure a loan through a broker, you won’t face any additional loan repayments or charges. The broker earns a commission from the lender for bringing in new customers, but this has no impact on your interest rate or any other terms of your loan agreement.

Is it more expensive to use a broker?

You won’t have to pay for the services of a broker as they receive their compensation from the lender. Brokers have a vast selection of loan options from numerous lenders at their disposal, ensuring they can locate the perfect loan that fits your specific needs. They typically aim to secure the lowest rate possible while also considering the loan features that best suit your situation.

However, be aware that some brokers might charge a service fee, but they are required to inform you of any such fees upfront before they begin providing their services.

How much can I borrow?

Although our borrowing calculator offers a good estimate of the amount you could potentially borrow, for a more accurate evaluation, we encourage you to contact our team. We’ll discuss your specific situation in greater detail and explore the various options available to you.

Should I go for a fixed or variable rate?

Variable-rate home loans are exactly what they sound like – their interest rates can go up or down over time. This type of loan usually offers more flexibility, including the ability to make extra payments or access a redraw facility, but it means your repayment amounts can vary.

Conversely, fixed-rate home loans lock in your monthly payments, so you’ll always know precisely what you’re paying each month for the life of the loan. They tend not to offer as many features but provide stability for your budgeting.

Deciding between the two comes down to what you value more: the flexibility to adapt your loan to changing circumstances or the security of knowing your repayments will stay the same.

Which lenders do you work with?

Thanks to our partnership with a mortgage aggregator, we have access to a diverse range of loan options from over 40 lenders. This extensive network enables us to present you with a variety of suitable choices tailored to your unique needs and circumstances.

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Phone Number

Email Address

Contact

Bundoora, VIC

0403 567 301

Traj Finance Pty Ltd ABN: 55 675 457 495. Credit Representative #558243 is authorised under Australian Credit License #384704

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.