Mortgage Broker in Hurstbridge, VIC 3099

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

5.0

from 14 Reviews

Looking for a Mortgage Broker in Hurstbridge, VIC 3099? Welcome to Traj Finance

Finding the right mortgage broker in Hurstbridge, VIC, can make all the difference when it comes to financing your dream home. Whether you're a first-time homebuyer or looking to expand your property portfolio, Traj Finance offers tailored solutions that help you access a wide array of loan options from banks and lenders across Australia. Navigating the complexities of interest rates, loan amounts, and lenders mortgage insurance (LMI) shouldn’t be daunting, and our experts are here to ensure a smooth and informed experience.

Working with a mortgage broker like Traj Finance offers several advantages, one of which is expert guidance on a broad range of loan options. From fixed interest rates to variable loan rates, understanding which option best suits your financial situation is crucial. Fixed interest rate loans provide stability by locking in a set rate, making calculating loan repayments straightforward and predictable. On the other hand, variable interest rates offer flexibility, potentially leading to interest rate discounts over time. Our knowledgeable brokers will break down these options, helping you choose between loan types that align with your needs and goals.

Understanding costs associated with home buying is another area where Traj Finance excels. Common concerns like stamp duty, home equity, and lenders mortgage insurance (LMI) can impact your borrowing capacity and overall financial plan. We ensure that you are well-informed about these elements and how they affect the loan-to-value ratio (LVR) and your loan application. For example, a higher LVR might require LMI, while a larger home equity can enhance your borrowing power.

Additionally, our streamlined application process eliminates unnecessary hassle. We assist with every detail, from credit history assessments to compiling necessary documents like bank statements for your loan pre-approval. The loan pre-approval process is vital, offering clarity on what you can afford and boosting your confidence when making an offer. Our team helps you apply for a loan with ease and efficiency, walking you through application processes and clarifying any queries around borrowing capacity and loan rates.

Investing in the local Hurstbridge property market requires strategy and planning. At Traj Finance, we provide options that align with your financial objectives, whether it involves a home loan for a new property or an investment loan to expand your portfolio. You can explore offset accounts to reduce the interest paid over time and maximise your investment returns. Our aim is to not only help you get pre-approved but also secure the most favourable loan interest rate available, tailored to your current circumstances.

As you explore the possibilities in the Hurstbridge property market, having a reliable partner can make all the difference. Traj Finance, as a trusted mortgage broker, is dedicated to guiding you through the intricacies of applying for a loan. Our comprehensive support ensures you are well-prepared to make informed decisions. Whether interest rate choices or loan amount considerations, we provide clarity and support every step of the way. Reach out to Traj Finance today and take a confident step toward securing your next property.

Ready to chat to a qualified Mortgage Broker?

Get in touch with your local Mortgage Broker in Hurstbridge, VIC 3099

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Our Process for helping locals in Hurstbridge 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 Hurstbridge

Traj Finance is more than just a brokerage, we're your trusted Mortgage Broker in Hurstbridge 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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Our Recent Reviews

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 needed so that he could find the right loan with the right lender. Throughout the process, Danny kept me well-informed, efficiently following up on paperwork and ensuring I knew what to expect at each stage. Fabrice was also outstanding—quick to respond to emails and very proactive in helping to keep everything on track. Together, they made what could have been a complex experience feel smooth and manageable. Highly recommend and will definitely be back in future.

Dime T

I had the pleasure of working with TrajFinance, and I must say their professionalism and expertise exceeded my expectations. From the very first consultation, their team demonstrated a deep understanding of financial planning, investment ...

Ashkan Motaman

I can't thank Danny from Traj Finance enough for the incredible support he provided my partner and I. From the start, it was clear that the bank wasn’t going to make things easy, offering little to no guidance on our options. Danny, ...

Natalia Nevin

Danny has consistently demonstrated professionalism, expertise, and a strong commitment to client service. His ability to provide tailored financial solutions, coupled with their deep industry knowledge, makes him a trusted advisor. I highly recommend him for anyone seeking strategic and efficient assistance.

Shirin Motaman

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.