Mortgage Broker in Malvern, VIC 3144

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

5.0

from 17 Reviews

Traj Finance Mortgage Broker in Malvern, VIC 3144

Looking for a Mortgage Broker in Malvern, VIC 3144? Welcome to Traj Finance

Traj Finance stands as a reliable partner for those looking to buy in Malvern, VIC 3144. As a dedicated Finance & Mortgage Broker, we are well-versed in securing the right loan options from banks and lenders across Australia. Whether you're a first-time homebuyer or seeking an investment loan, our expertise helps you within the local property market. Understanding the complexities of buying a home and applying for a loan can be overwhelming, but our team is here to ease the process and find competitive interest rates tailored to your needs.

Securing the appropriate home loan involves understanding several factors, including your financial situation and borrowing capacity. We consider your credit history and bank statements to determine the loan amount you're eligible for. Our streamlined application process makes it straightforward to apply for a loan, whether it's a fixed interest rate loan or one with variable loan rates. We collaborate closely with you to ensure you have a clear grasp of the interest rate and how it will impact your loan repayments. Opting for a fixed or variable interest rate depends on your preferences, and we'll guide you through calculating loan repayments to find what suits you best.

Lenders Mortgage Insurance (LMI) is another aspect to consider when assessing loan to value ratio (LVR). If your deposit doesn’t meet the 20% threshold, LMI may be necessary, and we'll explain how it affects your overall loan. Additionally, factors like stamp duty and whether you qualify for any discounts or offsets are reviewed. For those keen on investment, home equity and an offset account can play vital roles in your financial strategy. Understanding potential interest rate discounts or features like getting pre-approved can provide clarity and confidence in your decisions.

Applying for a loan need not be daunting. At Traj Finance, we simplify the Loan application process by assisting with the necessary paperwork and providing insights into the types of loan options available. Our expertise ensures a better understanding of both fixed and variable interest rate loans, emphasising long-term financial health. We focus on making the process efficient and transparent, guiding you through loan pre-approval to securing your desired property. With local knowledge and access to diverse financial products, we open the door to possibilities within the thriving Malvern property market.

Partner with Traj Finance for expert guidance tailored to your circumstances. Whether you’re a local resident or planning to move to Malvern, VIC 3144, our team is ready to assist you in exploring competitive loan solutions. No matter the loan interest rate or type, having a knowledgeable broker can alleviate concerns as you embark on buying a home. Reach out today to discover how our services can enhance your home-buying experience.

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Get in touch with your local Mortgage Broker in Malvern, VIC 3144

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Our Process for helping locals in Malvern, VIC 3144 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 Malvern

Traj Finance is more than just a brokerage, we're your trusted Mortgage Broker in Malvern 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 Malvern, VIC 3144

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 excellent deal that exceeded my expectations. I wouldn't hesitate to recommend them to anyone looking for a trustworthy and knowledgeable finance broker.

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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Name

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.