https://www.loansmart.com.au/news-and-insights daily 0.75 2020-10-14 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556084824423-ANKM3JUGZXUS9YOHBOU4/image-asset.jpeg News and Insights https://www.loansmart.com.au/news-and-insights/2018/7/10/blog-headline-3-ks879 monthly 0.5 2020-09-25 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556075690927-DQSLOPJQG2XBUNG43LP7/10-Tips-for-choosing_10TipsForChoosing-Image_iStock-640228132_%401x-1.png News and Insights - 10 tips for choosing an investment property https://www.loansmart.com.au/news-and-insights/2018/7/10/blog-headline-1-4tt7r monthly 0.5 2020-09-25 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556076366899-4VDF376SKFG17M3108RO/B2C_2_4_187991682_Top.jpg News and Insights - How to modernise your kitchen on a budget https://www.loansmart.com.au/news-and-insights/how-mortgage-redraw-facility-works monthly 0.5 2021-02-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556075842126-0ITS1YSRAX3T3POPEO8I/loan-smart-australia-home-mortgage-redraw-facility-benefits.png News and Insights - How Redraw Works and Why it’s a Handy Loan Feature https://www.loansmart.com.au/news-and-insights/2018/7/10/blog-headline-376gb-nfc7d monthly 0.5 2020-09-25 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556075938428-8ZROCHFML2Q6MSC8CY16/buying-to-flip-1170x325-iStock-848291470.png News and Insights - Is buying to flip still viable in today’s market? https://www.loansmart.com.au/news-and-insights/2018/7/10/blog-headline-2-g2s5m monthly 0.5 2020-09-25 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556076130902-1ZSYS6V1F1QQ9JIE5RC1/B2C_2_6_558271531_Top.jpg News and Insights - Why good tenants are more important than you think? https://www.loansmart.com.au/news-and-insights/2020/8/5/government-property-grants-and-concessions monthly 0.5 2021-02-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1597294490105-20JYQCOZHDFPGN57MJOL/tierra-mallorca-JXI2Ap8dTNc-unsplash.jpg News and Insights - Government Grants and Concessions that are Available for Different Situations https://www.loansmart.com.au/news-and-insights/2020/8/5/what-you-need-to-know-home-builder-grant monthly 0.5 2021-02-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1596600808126-Q4KCUPA0JFSIQ2DZOE8T/loan-smart-australia-home-builder-grant News and Insights - What You Need to Know About the New HomeBuilder Grant https://www.loansmart.com.au/news-and-insights/is-now-the-time-to-refinance-your-mortgage monthly 0.5 2021-02-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1602646711115-YGW3SIO4EEHZLTP63VAY/loan-smart-australia-anton-clarke-home-mortgage-refinance.jpg News and Insights - Is Now the Time to Refinance? https://www.loansmart.com.au/news-and-insights/the-axing-of-responsible-lending monthly 0.5 2021-02-12 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1612670473311-H70W59M5193UBROL9GMR/loan-smart-mortgage-brokers-sunshine-coast-australia-responsible-lending.jpg News and Insights - The Axing of Responsible Lending Laws and What Does it Really Mean for You? https://www.loansmart.com.au/loan-smart daily 1.0 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553554885848-SWIIUDKFSCE85EMNCKU0/loan-smart-australia-helps-you-make-the-right-decision.jpg Loan Smart - HOW CAN WE HELP? Making the right decisions Whether it’s your first home, second home or an investment purchase. Making the right decisions is vital during the home buying process, and going it alone is certainly not advisable. Loan Smart is here to provide the helping hand, guidance, advice and help with your finance needs. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553554724729-5WDXM93MBPTJ1RT5PF27/loan-smart-australia-how-much-does-a-mortgage-broker-cost.jpg Loan Smart - WHAT DOES IT COST? Enabling Growth We’re proud of the services we offer, the value we provide our clients and the long-term relationships we’re able to form with every successful client. We don’t charge you for our services, and you will not pay more for your loan by using Loan Smart. We as mortgage brokers are paid by the lenders – not you our client. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553553858768-LL56V6MBYZTXQK0GGKTD/loan-smart-australia-why-use-a-mortgage-broker.jpg Loan Smart - WHY USE LOAN SMART? Find the best loan package for you We can search a large number of loans from a large number of lenders to find the best loan package for you. Your bank can only offer you what they have. If you want to find out if your bank is giving you the best deal, you don’t ask the bank…you ask us. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555744613-F0OXY8W7AL31QEOA31N8/loan-smart-australia-mortgage-application-process.jpg Loan Smart - 6) APPLICATION PROCESS Once you have made your decision we then are ready to get the application to the lender ASAP. It is still surprising the number of different elements involve with this part of the process but you don’t need to worry it is our job to deal with it and get your loan approved as soon as possible. Supporting Documentation Lender Application – paper based or online lodgement First Home Owners Grant (FHOG) Application Deposit Bond Application Pre-approval through to Full Unconditional Approval Mortgage Documents & Letter of Offer Settlement https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555722274-LVKHBHVHF0OU1RAY1HY1/loan-smart-australia-lender-selection-types.jpg Loan Smart - 5) LENDER SELECTION Once we have decided on the best loan type we can then look at which lenders will suit your needs some of the points we consider here are as follows: Credit Policy Interest Rates Features and benefits We provide you with a detailed report with our lender and product recommendations in a format that is easy to understand. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555030728-TUTWZN2ATP8AOP21M77M/loan-smart-australia-how-much-can-i-borrow.jpg Loan Smart - 1) START OF THE PROCESS (HOW MUCH CAN I BORROW?) This is often one of the first questions we get asked so as part of this process we would cover the following issues: Income (Self Employed or Salary paid) Deposit (Savings, Equity, Gift, First Home Owners Grant) Existing Commitments (Home Loan, Personal Loans & Credit Cards – limit & balance) Family Situation (Number of Adults and Children) The power and confidence of Pre-approval https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555648449-3VFAG2X0RKJMFBV2S1HS/loan-smart-australia-different-property-types.jpg Loan Smart - 3) PROPERTY TYPE As you can appreciate not all properties are created equal and we have highlighted below some of the different types available. Depending on what type of property you are looking to purchase it may be subject to different lending criteria. Units & Apartments – Size does matter, Studios, Holiday Accommodation, Serviced Apartments & Student Accommodation Rural Properties – Size does matter, Hobby Farm, Income Producing & Location Standard Residential Other important issues include – Environmental (rivers, power cables, recent floods etc) & Multiple dwellings on one title Vacant Land, Construction, House and Land Packages https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555246693-FDX40E6MCZX6PLIF10NN/loan-smart-australia-property-ownership-considerations.jpg Loan Smart - 2) WHO WILL OWN THE PROPERTY? This is one of the most overlooked issues who will own the property, so before you sign a purchase contract you should discuss this issue with your accountant and / or solicitor. Mr & Ms Mr Only or Ms Only Individuals as Trustee for a Discretionary (Family) Trust Company as Trustee for a Discretionary Trust Unit Trust Hybrid Trust Tenants in Common Joint Tenants https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555679378-M0WMOZTO6DPT6Y7VLCYI/loan-smart-australia-mortgage-product-selection.jpg Loan Smart - 4) PRODUCT SELECTION Before we make any recommendation as to which lender you should consider it is important we look at the loan options available. As with most things in this world we live in – you get what you pay for. And this is also true when it comes to residential loans. The more features and benefits you have with a loan generally (not always) the higher the rate. However if you can use the extra features to pay the loan off quicker it could still be worth considering. Some of the loan types available are: No Frills (Basic Variable) Standard Variable (Honeymoon & Fixed Rates) Flexible Options (Line of Credit, 100% Offset Accounts & Loan Transaction Loans) https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555803807-LAXIXC3I0IO5UL1XOQH6/loan-smart-australia-contact-us-for-individualised-services.jpg Loan Smart - PLEASE CONTACT US FOR FURTHER ASSISTANCE We provide individualised services to help you find the right loan. With many years of experience, experience, we have the knowledge and expertise to help you. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553555770522-LJGMXBPWMWBUNF98UXKQ/loan-smart-australia-property-insurance-considerations.jpg Loan Smart - 7) OTHER IMPORTANT ISSUES Given that buying a home is one of the biggest financial decisions of your life it is important that you consider the importance of Insurance. Building & Contents Income Protection, Life Insurance, Total & Permanent Disablement insurance & Trauma Insurance Most people have no problem understanding the need for protecting your home with a good building and contents insurance policy however it’s as equally important to consider what would happen of you died or were injured and unable to work for a long period of time – how would your family survive? My father lost his sight by the time he was 40 and that was a massive issue for him and our family to deal with but he was smart enough (I wouldn’t tell him that) to have had adequate Life and Income Insurance so we could survive financially. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1551870316797-BKL8M6W24I8VNXTZHZ6P/imsoldDJI_0107+cmyk%400%2C5x.jpg Loan Smart https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1551874461391-SB82L4XU7SM9YMDGP05S/image-asset.jpeg Loan Smart https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1551879608180-7X9DWK9MIHMTVEY2ZOYL/DJI_0520.jpg Loan Smart https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554361846200-MUV0GXD9B63EL9MYBSFU/image-asset.jpeg Loan Smart https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557967757344-L3F6K8XDI3AX8EMQUA9N/loan+smart+skype+banner+wide+small+3.png Loan Smart https://www.loansmart.com.au/australian-expat-home-loans daily 0.75 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1558311875194-QW5OWNSI56Y6AXO17SC7/06-facebook-512%400%2C5x.png Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554953045751-JLTH0IB5YPVHN12IKNXL/australian-expat-home-loans-recommendations-lender-options.jpg Australian Expat Home Loans - Step 2 Once we have your completed the “Client Fact Find” we then complete a report with our full recommendations, lender options and everything you need to know to make a decision. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554953319152-2387UYEDL4YHW49KJOSE/australian-expat-home-loans-lodge-lender-paperwork-application.jpg Australian Expat Home Loans - Step 3 We are now ready to prepare the lender’s paperwork and get signatures on the application, once completed we are then ready to electronically lodge your details with the lender. It’s normally at this time we would make time for a Skype interview so we can satisfy the lender interview process. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554952718567-6HJ8ULDLVED9Z9INQDOX/australian-expat-home-loans-client-fact-find-data-collection.jpg Australian Expat Home Loans - Step 1 Our initial email comes with our simple easy-to-complete “Client Fact Find” it’s only a few pages of data collection that enables us to get a clear idea as to your current financial position. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557791390739-MOMX38JRA5J64694S95A/Trouble+free+borrowing+for+expats+book Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554954718695-5UB7P3XEOR506DTQ58EQ/australian-expat-home-loans-better-service-thank-banks.jpg Australian Expat Home Loans - Two Better service. Bankers are generally only available during business hours. We understand that there can be time zone differences and as we don’t keep bankers’ hours, you can reach us after hours and over the weekend. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554954898732-M5FMTG08NL06D6I97XTT/australian-expat-home-loans-better-variety-of-lender-options.jpg Australian Expat Home Loans - Three We can search a large number of loans from a large number of lenders – banks, credit unions, insurance companies, building societies as well as number of mortgage managers — to find the best loan package for you. Your bank can only offer you what they have, and nothing else. If you want to find out if your bank is giving you the best deal, you don’t ask the bank…you ask us. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556165089872-U1V9AWYGP291I24YZUHY/australian-expat-home-loans-best-lender-credit-policies.jpg Australian Expat Home Loans - One Each lender has different credit policies. This is the main issue for expats as each lender has different policies on how they look at the currency your receive your income in, exchange rates, deposits amounts (we have lenders that are happy to lend up to 95% of the property value for expats). You might be surprised in the difference between the maximum lending amounts for different lenders based on these policies. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554939826180-M5O2RW7INT693E42BU9J/image-asset.jpeg Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554939903857-17SVING2I2F8HXOA6PVE/image-asset.jpeg Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554940778818-89OY7SKMQ9Q1CUF7Q0UY/image-asset.jpeg Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554943091829-CSPK3KS00TYPAB60I0UR/image-asset.jpeg Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554947699635-SJL5XK5HQABPUTTDR4RV/image-asset.jpeg Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554954956636-34NO84X9KGM5D5QXVVDP/image-asset.jpeg Australian Expat Home Loans https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557967757344-L3F6K8XDI3AX8EMQUA9N/loan+smart+skype+banner+wide+small+3.png Australian Expat Home Loans https://www.loansmart.com.au/education-videos daily 0.75 2020-11-12 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556166392012-HHJG6IQSCASHH25AHGQW/image-asset.jpeg Education Videos https://www.loansmart.com.au/books daily 0.75 2021-01-29 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557791063488-3N0294TIQ56EQBXG5MNS/loan-smart-australia-anton-clarke-7-proven-steps-to-getting-the-best-home-loan.jpg Books https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557791111608-9WS94JMG7QV2WKMHEB91/loan-smart-australia-anton-clarke-choosing-the-right-loan-structure-for-your-investment-property.jpg Books https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557791179606-N32RTSJI5O2JR8Z3QZ5I/loan-smart-australia-anton-clarke-trouble-free-borrowing-for-australian-expats.jpg Books https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557791011611-MC9VX9S51722TSBI5V3E/loan-smart-australia-anton-clarke-borrowing-inside-your-smsf-to-invest-in-property.jpg Books https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557788456200-03NF3HDZ3K4C1W8GBAL2/DSC08273.jpg Books https://www.loansmart.com.au/education-videos-1 daily 0.75 2019-05-08 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557284557400-C9SOVIIWT1W8E7A2ZVFM/image-asset.jpeg Education Videos https://www.loansmart.com.au/education-videos-1/2019/5/7/loan-types-and-options monthly 0.5 2019-05-08 https://www.loansmart.com.au/useful-links-1 daily 0.75 2020-11-19 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1603865152767-O859LYIDT1RHBG3WX6O0/image-asset.jpeg Useful Links https://www.loansmart.com.au/team daily 0.75 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554945682394-C65SY11GG06HX64JLBH5/loan-smart-australia-mortgage-broker-georgina-taylor.jpg Team https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1551881943315-HZPJZNYO9MQ9J537QUEC/loan-smart-australia-director-mortgage-broker-anton-clarke.jpg Team https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1553488000310-D7OPK46KTSDKZDXNDLXL/DJI_0182.jpg Team https://www.loansmart.com.au/contact daily 0.75 2022-07-19 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557967757344-L3F6K8XDI3AX8EMQUA9N/loan+smart+skype+banner+wide+small+3.png Contact https://www.loansmart.com.au/calculators daily 0.75 2020-09-24 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557803850185-M5P0GI1GD6RFNF5J67LP/loan-smart-australia-loan-repayment-calculator.jpg Calculators - Loan Repayment Calculator https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557804168917-Q5DX1ZXUZ5EE66YVI271/loan-smart-australia-government-purchase-costs-mortgage.jpg Calculators - Government Purchase Costs (e.g. Stamp Duty etc) https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557803231384-BO20IMVN74I23EAJCWEP/loan-smart-australia-mortgage-budget-planner.jpg Calculators - Budget Planner https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1557794324378-OFH4VIIKQO4EARH60R2A/loan-smart-australia-calculators-how-much-can-i-borrow.jpg Calculators - Find out how much you can borrow https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554674932106-VPLCDATN6E1LZ44PZXJN/image-asset.jpeg Calculators https://www.loansmart.com.au/testimonials daily 0.75 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554675079088-IN11A2IBYM6J1R279ZKU/image-asset.jpeg Testimonials https://www.loansmart.com.au/faq-2 daily 0.75 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556247835890-930XCVQGLEVY0C9UB3OS/image-asset.jpeg FAQ https://www.loansmart.com.au/faq daily 0.75 2018-09-12 https://www.loansmart.com.au/loan-repayment-calculator daily 0.75 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554674932106-VPLCDATN6E1LZ44PZXJN/image-asset.jpeg Loan Repayment Calculator https://www.loansmart.com.au/client-testimonials-banner daily 0.75 2019-05-08 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554955454706-0W3FH3UOH3ZKCM6PRG5D/AusExpateBook.png Free Report Banner https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554956348999-OOGUTZ36306BJI0WWVA8/image-asset.jpeg Free Report Banner https://www.loansmart.com.au/free-report daily 0.75 2019-04-11 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554955839366-MQLOW2O8M2MPLBPR7VLH/AusExpateBook.png Free Report https://www.loansmart.com.au/why-us-banner-2 daily 0.75 2019-04-11 https://www.loansmart.com.au/borrowing-power daily 0.75 2020-09-24 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554674932106-VPLCDATN6E1LZ44PZXJN/image-asset.jpeg Borrowing Power https://www.loansmart.com.au/budget-planner daily 0.75 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554674932106-VPLCDATN6E1LZ44PZXJN/image-asset.jpeg Budget Planner https://www.loansmart.com.au/stamp-duty-calculator daily 0.75 2020-08-07 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554674932106-VPLCDATN6E1LZ44PZXJN/image-asset.jpeg Stamp Duty Calculator https://www.loansmart.com.au/privacy-policy daily 0.75 2022-07-19 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556079144304-LLM77OL2VIO5KIVMPGUA/image-asset.jpeg Privacy Policy https://www.loansmart.com.au/credit-guides daily 0.75 2022-07-19 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556079534515-K8ALNNO5IMBVNW14K17O/image-asset.jpeg Credit Guides https://www.loansmart.com.au/industry-expert daily 0.75 2019-04-25 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556171651122-MVC71TR2ZSF2OY0ADTR5/DSC06846-3.jpg Industry Expert https://www.loansmart.com.au/industry-expert-videos daily 0.75 2019-04-25 https://www.loansmart.com.au/faq-1 daily 0.75 2019-04-26 https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554954718695-5UB7P3XEOR506DTQ58EQ/australian-expat-home-loans-better-service-thank-banks.jpg FAQ - Two Better service. Bankers are generally only available during business hours. We understand that there can be time zone differences and as we don’t keep bankers hours, you can reach us after hours and over the weekend. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1554954898732-M5FMTG08NL06D6I97XTT/australian-expat-home-loans-better-variety-of-lender-options.jpg FAQ - Three We can search a large number of loans from a large number of lenders – banks, credit unions, insurance companies, building societies as well as number of mortgage managers — to find the best loan package for you. Your bank can only offer you what they have, and nothing else. If you want to find out if your bank is giving you the best deal, you don’t ask the bank…you ask us. https://images.squarespace-cdn.com/content/v1/5c7fa889fb22a54a7d18e6cc/1556165089872-U1V9AWYGP291I24YZUHY/australian-expat-home-loans-best-lender-credit-policies.jpg FAQ - One Each lender has different credit policies, this is the main issue for expats as each lender has different policies on how they look at the currency your receive your income in, exchange rates, deposits amounts (we have lenders that are happy to lend up to 97% of the property value for expats). 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