Mortgage Brokers represent YOU, the customer, not the lender.

Because we are not employees of a lending institution, brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation.

Since we don’t work for a lender, we’re not motivated to lead you in only one direction. We’ll analyse your needs, shop the market for the best available deals, then recommend the one that fits your needs best. Choosing the wrong mortgage can cost you thousands of extra dollars.

At Clearlight Financial Solutions in Essendon Victoria, we are trained professionals who can help you save on your mortgage dollar. We keep up to date with our lenders offerings, and therefore know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers.

As a result, mortgage rates obtained by Brokers are among the best available at the time of placement. We can even represent you to your own financial institution often resulting in a better rate than you could get on your own.

Clearlight Financial Solutions in Essendon Victoria will prepare your application, arrange approval and settlement of your loan, and provide on-going assistance and support.

1. We listen to you, gather information and evaluate your needs.
2. Based on your information, we compare and make recommendations which outline the lenders’ best rates and product features to suit your needs.
3. We complete an application form and gather all necessary supporting documents for submission to the lender. We then electronically forward your application to that lender.
4. Once approval is received – you simply sign the required forms and you’ve got your mortgage! Then, over the next few days and weeks, we follow up with all supporting documents.
5. We keep in touch – our customer care plan ensures we stay in contact and review your situation annually or sooner as required. Your satisfaction is our priority.

This process can be done over the phone, via email or in person – our approach is flexible to suit YOU.

Below is a list of information you may need to provide when applying for your loan. We will advise you what is needed as you proceed through the home loan application process as some lenders may need further information.

• 100 points ID (Passport/Drivers license/Australian State or Territory proof of age card)
• Last 2 Pay Slips
• Last Group Certificate
• Last 2 years Tax Returns (only if self-employed)
• Savings Statement (latest 3 months)Credit Card Statement/s
• Last 6 months Mortgage Statements (only if re-financing)

Our borrowing calculator can give you an estimated amount you may be able to borrow. However, for a more accurate assessment, please contact our team. We will discuss your options and review your specific circumstances in greater detail.

Click here to visit our borrowing calculator page.

We charge nothing for helping you get the right standard home loan.

Clearlight Financial Solutions brokers get paid a commission by the lender when you receive your home loan, but we don’t charge you a fee for your appointment or for our service nor will any lender charge you an additional fee for using a mortgage broker.