My clients sometimes ask me why they should not go directly to a bank. My normal response is along the lines of that as a mortgage broker we can do a lot more than just process a transaction. We provide advice, financial guidance and valuable assistance with negotiating you through the mortgage process. We also take the time to listen to your needs and understand your future financial goals. There are so many lenders, products and features to choose from that it helps to have an expert on your side to explain the benefits and drawbacks of each one. Using a mortgage broker can also make the difference between having your finance approved or declined. This is because we have so much knowledge of all the different lenders loan criteria, policy, borrowing capacities and application systems so that we can steer you towards a lender that matches your situation. I have lost count of the number of happy and satisfied clients that I have who had been declined by their own bank in the first instance. Then somebody has recommended my service and after sitting down and looking at the situation I have been able to get the loan approved elsewhere. My role is to understand what is important to my clients and then do everything I can to ensure we meet those needs and exceed them.