At Trinity Financial Services, we are proudly completely FREE.
We do not charge any fees on any of the loans we’ve completed. We stand by our knowledge and will not submit your application unless we know it will be approved. Your broker will be able to go into further detail, however lenders pay brokers commissions to work for them. We only get paid if, and when your loan is approved and settled.
The benefit of utilising a broker is we have access to in excess of 50 different lenders to choose from.
Our value proposition is that we understand the banks offerings and our close relationship in working directly with lenders is we have insight into their policies and niches that could be beneficial to you. Once we have reviewed your financial position and understand your financial goals and objectives, we are able to pinpoint the best option and solutions for you.
Using a broker is better than to going into a branch as the branch will only have their products whereas we have multiple banks & different products that we can help match to your specific needs.
YES, you can buy a property with NO DEPOSIT.
Other options:
For first home owners, banks are accepting as little as a 5% deposit!! This, in conjunction with the Government grants available at the moment are making it easier for first home owners to get into the property market. There are additional fees that will need to be considered when looking to purchase a property like stamp duty (if applicable) and Lenders Mortgage Insurance (LMI).
LMI is a once off fee paid to the lender, on settlement, and applicable when loans exceed 80% of the property value. To avoid LMI you will need to hold a 20% deposit to purchase your property.
Stamp Duty may not be applicable to you as a first homeowner, if you meet the criteria set out by the Government.
To work out the funds required for your dream home, please call our broker team today.
We aim to contact all enquiries within 24 hours.
Once we have obtained all the required information from you to complete our investigations, we aim to get a response out to our clients within 2 business days.
If your case is slightly more complex, we will advise you the correct turn around time in when to expect a response. If there is a time restraint around your circumstance, we can also prioritise your application to meet a deadline.
Whilst missed repayments and defaults are not good financial behaviour – we understand that sometimes life just happens!
We can enquire with the Lenders that have a more flexible and understanding policy, put you in a better financial position by simplifying your finances and educate you on how to keep on top of your repayments.
Using our expertise, we can find you the right lender and business banker to assist with your individual needs as well as your company needs.
Speak to us now to find out more on 02 8608 1122 or email info@trinityfs.com.au to book in a meeting.
Pre-approvals generally last around 90 days. If your pre-approval expires, your broker can apply for an extension, so you have more time to find your property!
Once you have found your property, the lender may require some updated information like Pay slips, however your broker will help manage the process, so everything runs smoothly.
