Not all brokers sell the products of all lenders, and some products of lenders may require special approval. What should you look for when choosing a lender? Your first thought may be interest rates and you are not alone. According to the Australian Mortgage Snapshot 83 per cent of Australians choose their home loan provider based on their interest rates.
However, there are several factors you should consider beyond the interest rates. Home Loan Features such as Extra repayments facility, Redraw Facility, Repayment Holidays, Interest only & Mortgage offset accounts. Fees such as Application fees, Valuation fees, lender's legal fees, Lender's mortgage insurance, Monthly or annual fees & Break costs.
However, there are several factors you should consider beyond the interest rates. Home Loan Features such as Extra repayments facility, Redraw Facility, Repayment Holidays, Interest only & Mortgage offset accounts. Fees such as Application fees, Valuation fees, lender's legal fees, Lender's mortgage insurance, Monthly or annual fees & Break costs.
Services
Manish Gupta is a Financial Planner and Mortgage Specialist and Managing Director of AMAFG, commenced his career in the Accounting and Finance Industry in 2000. Manish is committed to protecting clients and holds accreditations with over 30 of Australia's leading Banks, Building Societies, other Lenders and Insurance providers.
Manish, one of the most qualified and experienced broker I have ever seen. Carrying so many finer information according to customers needs he is sure to be contacted if any one wants a loan. His communication will make you provide each and every details he wants to make your loan a success. A hardworking and efficient broker who carries all the answers to your questions.
We pay the same rate no matter which home loan you choose from our wide choice of lenders, so you know we have your best interests at heart. A regular savings habit- A history of regular savings in your bank account and a solid track record of employment will make it easier for you to get a home loan.
With a network of 100 plus lenders including the major banks we have a variety of commercial loan solutions that will suit any borrower looking for commercial property loans, business loans or car leasing or equipment finance solutions. Commercial property leases usually run for longer periods than residential properties - several years rather than 6 to 12 months.
You borrow an amount of money that you have to repay within a certain period of time (called 'the term'). You will have to sign a credit contract that specifies the amount borrowed and how you will repay it. The term can vary, but is usually between 12 months and 5 years.
If you don't pay off the full amount of the loan by the end of the term, or if you can't afford to make equal payments over the life of the loan, the final payment must be made as a lump sum.While this makes repayments affordable, you may be left with a large amount of money to pay off or refinance when the term ends.
If you don't pay off the full amount of the loan by the end of the term, or if you can't afford to make equal payments over the life of the loan, the final payment must be made as a lump sum.While this makes repayments affordable, you may be left with a large amount of money to pay off or refinance when the term ends.
Reviews (10)
Jayya A.
Nov 28, 2021
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Obaidullah Aleem
Nov 07, 2021
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Sumit Sanwal
Nov 11, 2020
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Chandi Gaddipati
Oct 15, 2020
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Manish and Sonia were fantastic and helpful with securing home loan for our recent purchase. Right from our first enquiry till the close of sale, we were walked through and informed about each step of the process, and had excellent helping hand with making right decisions. They went above and beyond, adapting to change of our preferences, and never for a moment showed any signs of frustration. We are very thankful for their cooperation and would definitely opt them over anyone else anytime. Thanks Manish.
Deepak Bhatia
Oct 08, 2020
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Mayur Ancha
Sep 08, 2020
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Manish has been excellent right from our inquiry till the closure, and was nothing but helpful the whole way. He is exceptionally equipped with all information pertaining to the bank/loan matters, and makes great effort in educating and helping your decision making. He is someone whom I could definitely trust in the future, knowing he deals with my matters as if it were his. I couldn’t have asked for more.
Kiran Kumar
Aug 30, 2020
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Prasanth Nambiar
Aug 24, 2020
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Reema Khurana
May 26, 2020
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Kaminee Ponnan
Jan 08, 2020
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