Should I use a mortgage broker in Australia?

Yes, especially if you prefer not spending your evenings decoding bank jargon. A mortgage loan broker can compare products across multiple lenders, explain what actually suits your situation and guide you from application to settlement. At The Happy Finance Company, we add the human bit too: real conversations, smart strategy and support that makes the whole process feel less like a financial obstacle course. Our team can also review and provide additional support after settlement.

How do you get approved for a mortgage loan?

Getting approved starts with knowing what lenders want to see: income, expenses, your credit history, how much deposit or equity you need and whether you need genuine savings or not. The not-so-fun bit? Every lender assesses things differently. That is where a seasoned mortgage broker in Australia helps. We review your situation, tidy up the details, compare lender options and guide the application so you are not left refreshing your inbox and stress-eating biscuits.

Do all mortgage brokers have access to the same banks?

No, not all mortgage brokers in Australia have access and authority to use the same banks as we do. Our team also gets priority service over other brokers with certain lenders due to our quality submissions, high volumes and relationships with the banks. At Happy Finance, we also have a big support team behind us, ensuring that clients are looked after.

October 2023 - The Happy Finance Company

Finance News

Deadline fast approaching for people who do their own taxesDeadline fast approaching for people who do their own taxes

October 31, 2023 0 Comments 5:35 am

The Australian Taxation office (ATO) has reminded taxpayers to lodge their taxes by the October 31 deadline or engage with

First Home Buyer news Government Schemes news

How the Federal Government is helping first home buyersHow the Federal Government is helping first home buyers

October 31, 2023 0 Comments 5:30 am

A new report, from Housing Australia, has revealed that about one in three of all first home buyers in the

Interest rates news

How interest rates have evolved over the past 18 monthsHow interest rates have evolved over the past 18 months

October 31, 2023 0 Comments 5:26 am

The latest Reserve Bank of Australia (RBA) data has shown the impact the RBA’s cash rate rises have had on

Refinancing news

Australians refinance more than $20 billion of loansAustralians refinance more than $20 billion of loans

October 31, 2023 0 Comments 5:18 am

With lots of people coming off fixed rates right now, it’s no surprise that an enormous amount of refinancing is

Understanding home loans

Demystifying Loan to Value Ratio (LVR)Demystifying Loan to Value Ratio (LVR)

October 6, 2023 0 Comments 6:28 am

At The Happy Finance Company, we believe that understanding the financial world should be as bright and sunny as our

RBA Cash Rate news

RBA leaves cash rate at 4.10%RBA leaves cash rate at 4.10%

October 3, 2023 0 Comments 1:50 pm

The Reserve Bank of Australia (RBA) has left the cash rate at 4.10% for the fourth consecutive month, as many

Month: October 2023

Deadline fast approaching for people who do their own taxesDeadline fast approaching for people who do their own taxes

How the Federal Government is helping first home buyersHow the Federal Government is helping first home buyers

How interest rates have evolved over the past 18 monthsHow interest rates have evolved over the past 18 months

Australians refinance more than $20 billion of loansAustralians refinance more than $20 billion of loans

Demystifying Loan to Value Ratio (LVR)Demystifying Loan to Value Ratio (LVR)

RBA leaves cash rate at 4.10%RBA leaves cash rate at 4.10%

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