Mortgage Broker in Ivanhoe, VIC 3079

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

5.0

from 13 Reviews

Looking for a Mortgage Broker in Ivanhoe, VIC 3079? Welcome to Traj Finance

At Traj Finance, we understand the journey to buying a home or investing in property can be complex. As a trusted mortgage broker serving the vibrant community of Ivanhoe, we aim to guide you through the process of securing the most suitable home loan options. Our expertise and local knowledge allow us to assess your financial situation and help you access loan options from banks and lenders across Australia. Whether you are a first-time homebuyer or a seasoned investor, we’re here to simplify the mortgage landscape for you.

A crucial step in your journey is understanding the diverse loan options available. As a reputable mortgage broker, we offer insights into both fixed and variable loan rates, enabling you to find the right fit for your needs. Fixed interest rate loans provide predictability by locking in the interest rate, protecting against future rate rises. Conversely, variable interest rate plans can grant you flexibility, often reflecting the market's changing dynamics. We strive to ensure that you’re fully informed about potential interest rate discounts, lenders mortgage insurance (LMI), and how they may impact your loan amount. Our tools for calculating loan repayments further assist you in visualising your long-term commitments.

Understanding your borrowing capacity is essential. We support you in determining this by evaluating your credit history and gathering necessary documents like bank statements. With an accurate loan pre-approval, you can confidently approach the property market. Our streamlined application process makes applying for a loan straightforward, allowing you to focus more on choosing your ideal home. We also explain how the loan to value ratio (LVR) affects both your lending capacity and the application process, ensuring transparency at every step.

Navigating financial nuances like stamp duty and home equity can be challenging. At Traj Finance, we provide clarity on these aspects, allowing you to make well-informed decisions. We guide you through potential uses of an offset account and how it can benefit your repayment strategy. Additionally, we explain the local Ivanhoe property market trends, helping you choose the perfect location tailored to your lifestyle and investment goals. Our expertise ensures that the path to home ownership or property investment is less stressful and more rewarding.

Partnering with Traj Finance means receiving personalised service tailored to the unique needs of Ivanhoe residents. We believe in forging enduring relationships by ensuring every client has access to the best loan options that accommodate their financial situation and future aspirations. As you embark on your property journey, let us help you get pre-approved so you can secure your dream home with confidence. Reach out to us today to explore how we can assist you further.

Ready to chat to a qualified Mortgage Broker?

Get in touch with your local Mortgage Broker in Ivanhoe, VIC 3079

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Our Process for helping locals in Ivanhoe 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 Ivanhoe

Traj Finance is more than just a brokerage, we're your trusted Mortgage Broker in Ivanhoe 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

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

I highly recommend Danny as a broker. He is incredibly knowledgeable and goes above and beyond to help. He made what is usually an overwhelming experience a very easy process. Thanks Danny!

Maree Risteski

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.