Choosing a lender
Which lender should you go with? Is your work full time, casual or self employed? This is one of many questions which require answers before selecting a lender.
Applying for a loan
Every lender has different requirements for submitting an application. From ID requirements to providing the right supporting documentation in a timely manner, we do all the work for you.
Negotiating with banks
Negotiation with the banks is a unique job which requires an understanding of their language and mindset. Our experience helps get your NO turned into a YES.
Choosing a bank is not an easy thing to do without understanding each of their policies. Your specific situation may suit one bank but not another. Speaking with a finance broker like Rebus Finance can help you with this decision, free of charge.
Your borrowing capacity is very unique and can depend on various things, like how long you have been employed if casual, if you are on probation etc. Many people make the mistake of going onto a ''borrowing capacity" calculator online and getting false information. Speak to us for a free consultation.
Brokers have access to multiple lenders, including the Big 4, that will ensure you are getting the best rate and products to suit your specific situation. Brokers also provide a personal service which may include after hours appointments if required.
First and foremost, getting the right lender for your specific situation usually narrows down which lenders we can use pretty fast. From there, we provide you with the options that are remaining and this choice is yours. Most lenders pay similar commissions so this is not a consideration. Rebus finance make a point of not knowing the exact commissions paid to a broker so this does not influence the decision.
Some broker/aggregator groups are owned by a bank. For example, Aussie Home Loans is owned by CBA. Rebus Finance and Insurance is privately owned and is not affiliated with any Bank.
We just want to thank David Close for all the hard work he put into helping us. From the day we first met David he has been patient, helpful and professional.
I have already recommended David to some of my friends and would have no hesitation in publicly recommending David to really investigate the market and achieve a great outcome.
Bevan and Brianna Carson
We absolutely recommend David Close. We found his knowledge, advice, regular communication and importantly, follow up, to be exceptional.
Despite some complications with the bank we used, he skilfully negotiated an excellent outcome. It's like having a 'fighter on your side' who takes the stress out of what can be a daunting time.
David is the consummate professional and we felt he went above and beyond with the service he provided.
Trent & Jessica Austin
I would highly recommend David Close to act as your mortgage broker.
I was trying to refinance my mortgage in 2016. I had accumulated a significant credit card debt, I was approaching retirement and my wife had a business that had a tax liability.
I approached the local lender that I had my mortgage with and applied to refinance; that institution declined. I then approached the other local lender who considered my circumstances and declined also. I then approached a prominent mortgage broker for assistance; eventually the refinance was discontinued. Finally, I applied to a specific mortgage provider but they would only agree with a significantly raised interest rate. I began to feel that my options were limited at best.
I approached David and he acted on my behalf. He was able to find a reputable lender that offered me an interest rate that was one of the lowest on the market. This has allowed me to have increased financial freedom and reduced personal stress. David was ethical and reliable throughout the whole process. Thus, I have no hesitation in recommending David to negotiate a mortgage for any prospective client.