Whether you are looking for a home loan and investment property or refinancing solutions, our team will structure the most effective solution that helps you achieve your goal.
Finance & Mortgage Solutions
Whether you’re dreaming of purchasing your first home, thinking of investing in the property market, funding your business or looking to refinance, we’ve got you covered.
Our mortgage brokers will guide you through the assessment & application process, providing insight & professional advice to ensure you get the loan that will enable you to achieve your goals & aspirations.
We partner with a range of finance providers & analyse your personal needs & objectives to enable us to present a range of finance solutions that offer the best combination of options, features and rates to suit your needs.
We offer our services across a wide range of financial solutions including:
Our finance arm is headed by Michael Vella, an accredited mortgage broker. We are registered with the Finance Brokers Association of Australia (FBAA) who are one of the premier professional associations in the finance industry, upholding high standards of ethical and professional conduct. Beyond our accounting qualifications and licencing with CPA Australia, our brokers have attained a Diploma in Mortgage Broking.
We apply a holistic approach to your financial journey through our knowledge in all facets of accounting, finance & tax to ensure that you find the financial solution that truly works for you.
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Q: What does a mortgage broker do?
A:
Mortgage brokers are accredited finance professionals who specialise in helping people find the most suitable loan for them to achieve their goals. We gather information to assess your borrowing capacity, your individual needs, financial & life goals. We then compare multiple lenders & products to find the most suitable loan options to present to you to decide on. Once you have chosen the most appropriate option for you, we then gather necessary information & apply for the loan on your behalf.
Q: Do you charge fees for finance services?
A:
Our ordinary residential home & investment mortgage broking services come at no cost to you – when your loan is approved, we will receive a commission from the lender for bringing new clients to them. This doesn’t affect your loan repayments or interest rates.
We may quote you a direct upfront fee where there are extraordinary services required.
Q: Which lenders do you deal with?
A:
We have over 30 lenders on our panel, all the major and smaller lenders you may know of. A comprehensive list of current accreditations will be provided to you in our Credit Guide which we provide to you in your initial consultation.
Here are some that we commonly deal with:
Q: Why should I use a broker rather than going directly through a bank?
A:
When you try to get a loan through a bank, they will only present their bank’s products to you & within their policies. Some of these products may not suit your needs, or there may be a better solutions with a different provider. As a mortgage broker, but more importantly your personal finance advisor, we first & foremost are advising you on a strategy that best suits your situation before comparing multiple products from various lenders to ensure that you’re getting a result suitable to you.
Q: How much can I borrow?
A:
There are many factors that determine the amount you can borrow. This includes things like your income, type of income & consistency, employment status & type, industry, your personal living expenses, deposit saved, the lender recommended and any assets or financial commitments you may have. One of the first things we do as mortgage brokers is to collect all information from you to help us determine how much you may be able to borrow. If you want to know how much you could borrow or work towards a strategy to finance your next property purchase, book a “Discovery Session – Mortgage Broking” session with us today.
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Company Australia Pty Ltd
Call Us
0393 175 019
Email Us
info@marvelconsulting.com.au
Location: Admin Office
Suite 101, Level 1
46 Graingers Road
West Footscray VIC 3012
