A mortgage broker is a type of financial professional who specialises in helping their clients to find a home loan. Their job is to gather information about the needs of their clients and to suggest lenders and products that match those needs.
“We know that when we empower our clients with education, they can confidently make fully informed decisions”
Sarah Miller and Tash Hibberd, together with the Mortgage Effect team love to help busy people to buy their dream home or embark on the sometimes complex journey to invest in property.
We’ve been doing it for over ten years!
We do this because we understand that lending is a specialist field that requires considerable time to confidently navigate; time that you might better spend doing the things you love!
Mortgage Effect is a small service business which has been built and sustained because of the trust and loyalty of our clients. We spend all of our resources and attention to provide our clients with well thought out recommendations and solutions at no cost. We do this in good faith that clients are happy to utilise our service.
Why Choose Us
We love property! We love the property market, the thrill of buying, the security of having something to own. We know how exciting it is to hang a picture on the wall and know that ‘it’s my wall’.
We also know that buying good property will pave the way for strong financial success.
We’re home owners as well as investors ourselves with portfolios in residential and commercial property and within our Self Managed Super Funds. We walk the walk!
Background in Financial Advice…
Both Sarah Miller and Tash Hibberd are both fully trained as Financial Advisers. We prefer to work as Mortgage Brokers rather than Advisers but we keep current and training in both industries.
This means that when we’re structuring your mortgage we’re thinking about the lending holistically; how it will impact your taxation, your cashflow and your retirement and how are you going to protect it from possible risks?
We wish we could tell you that it’s all about the interest the rate, but it just isn’t. The lenders’ policy is the most important consideration; that is who will lend to you and will they like the property you buy?
Buying a Property
Most people don’t buy property often. You will likely be in the market once every five years – unless you’re say, an aggressive investor. We help you to navigate through the confusion and support you to ensure a smooth transaction.
Diverse Loan Options
Once we understand your objectives we can identify your needs. From here we’ll make sure you know all the factors to consider and then we’ll provide you with lender options for how to proceed. Of course, we’ll tell you which we prefer and why that is; we want to make this easy for you.
End to end Service
If you’re happy to work with us, we’ll commit the required 20+ hours to apply for and settle your loan – and everything in between. There won’t be much heavy lifting for you.
Communication is Key
No one every complained about being over-communicated to. We will keep you regularly updated as to how your file is progressing and if there is anything we need you to do. We’ll keep the other members of your ‘property purchase team’ (conveyancer, inspector, agent, advocate etc) in the loop too so that we can all get on with our job to serve you best.
"Home is where our story begins..."
"Only buy something that you'd be perfectly happy to hold if the market shut down for 10 years."
"Some people look for a beautiful place. Others make a place beautiful"."
Hazrat Inayat Khan
"Have the courage to follow your heart and intuition. They somehow know what you truly want to become."
"Real wealth is ideas plus energy"
R Buckminster Fuller
"It is important to dream..."
"It's kind of fun to do the impossible."
What Our Clients Think
"You are outstanding in your job and made us feel so at ease."
Michael & Jessica
"Passionate and informed - I loved that"
"I learn something every time I come here"
"You and your colleagues made us feel as ease through the whole process".
Stacy & Tom
"...thanks for your pep talks!"
Julie & Shane
"I learnt more in one hour than in all my years at school"
We’re here to help!
Our service to you comes at no cost, however that doesn’t make us free – the banks budget for broker introductions, the same way they do for say, their advertising; they might not get any return on their random billboards. Instead they pay us for each loan we introduce, so it’s a win-win-win – which is just the way we like doing business.
News & Resources
The following conversation is so predictable between myself and a client who tells me the purpose for our meeting is to cash out and pay off personal loans and credit cards – in other words, to consolidate debt: Me: “So why am I here?” Bashful client: “I’m afraid our...
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