At Bayside Financial Brokers we can arrange a financial package for virtually anyone. So whether you are looking to buy the house of your dreams, raise cash from the equity in your home with a fast remortgage, clear your debts with a debt consolidation package, equipment finance to buy that Truck you need or raise cash to get that car wash business up and running then Bayside Financial Brokers should be your first and only call!

If you have had problems obtaining home finance due to self-employment, contract work, no proof of income, problems with affordability, county court judgements also known as ccj's, mortgage or rent arrears, defaults on loans, credit cards and hp agreements, iva's, ex-bankruptcy or any other adverse or poor credit history then the chances are we can help you. And all at very competitive interest rates!

For a financial company, we are slightly different, as we put you - the customer first!

Who are we?

• A national broker covering the whole of Australia
• Set up to provide a no pressure, hassle-free financial solutions service for people like you.

Why use a Mortgage Broker

A BFB broker can be seen as a home loan expert. In most cases, lending is all they do and can give you professional advice to match your needs with a suitable lending solution. Given that a home loan is probably the biggest expense you will ever have, it pays to get the best advice possible.

A great mortgage broker will save you time, effort and most likely money in selecting a home or commercial loan.

And of course, many brokers offer comprehensive post settlement services to look after your needs of tomorrow.

What do they do?

• Assess your needs
• Find the most suitable loans for your situation
• Manage the process
• Provide advise at every step
• Why use a Broker from Bayside Financial Brokers.

A BFB broker will take the time to discuss your needs and circumstances with you. This gives them the opportunity to determine which type of loan is most suitable.

As part of this process, you will need to provide documents to support your identity and financial situation. These will include a 100 point check list for identification, personal bank statements to demonstrate savings (if applicable), tax returns, payslips, outstanding loans, statements, etc. Your broker will advise you of what you need for your situation

Once BFB has a clear understanding of your financial position and goals, they will discuss the various loan products available. They should also provide you with product comparisons and inform you of proposed mortgage repayments and any upfront and ongoing fees.

BFB will then search their database containing hundreds of mortgage products from many different lenders, including major banks, smaller banks and other lenders.

Sophisticated software assists with this otherwise labour intensive task and usually a comparison table and or graph is available for your consideration.

The broker will then recommend a product or products which suit your needs. You should also be provided with a copy of the lenders comparison rate schedule. Comparison rates include both the interest rate and fees and charges relating to a loan and are a tool to help you identify the true cost of a loan. It is sort of an "apples with apples" yardstick to help you make comparing loan packages easy

If you wish to proceed, then the broker will help you to complete the necessary paperwork and liaise with the lender on your behalf. This will include the completion and submission of your home loan application and the on-going communication between all parties until your home loan is approved and settled.

Your BFB broker is also required to inform you of their complaints process. This is called an Internal Dispute Resolution procedure and all members of the MFAA (Mortgage & Finance Association of Australia), COSL (Credit Ombudsman Service Limited)

There are many steps in the loan process and a great mortgage broker will help you from your initial steps, such as getting pre-approval (where your loan is "approved" based on certain conditions such as loan value) right through to possible refinancing at a later stage.

From Bayside Financial Brokers you will get the following:

• Broad selection of loans to choose from
• Professional expert advise, licensed and accredited brokers
• Smooth and efficient service always provided
• Flexible solutions to tailor to your needs.