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How healthy is your home loan?

How healthy is your home loan

Bodies’ are not the only thing you should have checked regularly, you should think the same way about your financials – How healthy is your home loan?

Australians tend to treat their health condition cautiously and as health-conscious people, we check up on our health regularly to make sure everything’s running smoothly. In light of the COVID-19 outbreak, we must take care of ourselves, our families, and the people around us more carefully. However, when it comes to financial health check-up, people generally feel reluctant to have their financials reviewed. Some people may find it unnecessary to have regular check-ups if they don’t have any financial position changes. Some people may feel not comfortable discussing their financial conditions.

How healthy is your home loan?

People may start to wonder how healthy is my home loan. Are there any standard criteria to measure just like how we measure a healthy body? Here are a few indicators you should be evaluated to make sure your home loan is still fit.

What is your rate?

We have mentioned in the past that people should get refinanced with the historical low RBA cash rate of 0.25%. Why? Because your lender will not automatically update your rate with the best market rate. This means that even though there are lenders who are providing super competitive rates starting from 2.09%, you will not be entitled to get it if you choose to do nothing.

You can easily find out what is best for you if you choose to do a financial health check-up with Credit Hub, or simply contact us for an update on the interest rate. When it comes to interest rated, you want them to be as low as possible. By refinancing, you will be getting a better rate and saving more money on repayments.

What is your financial position now?

Our financial issues can often be the result of some recent circumstances change, and that explains why your home that once fit perfectly suddenly inadequate. For instance, you might have lost your current job or you have started a second job, which changed your monthly income, leading to a diversified income stream. Or you might recently become a father or mother, and you just realized that living expenses have been increasing significantly. If you have been experiencing a major lifestyle change, you should probably consider a healthy home loan check-up to ensure your financial plan is updated to date.

What are your loan features?

Don’t put up with a home loan that withholds the necessary features you need to pay down your debt and build equity. You should know clearly about the loan features you are getting and understand why those are important to you. For example, for people who have extra savings, mortgage offset accounts can help you pay less interest and provide financial flexibility to homeowners. It’s definitely worth discussing with a loan expert to find out if your home loan is suitable for you.

What are your fees are charges?

No one likes to pay extra unnecessary fees and charges, and that’s why you should make sure you are not paying unreasonable fees and charges. Although the fees and charges may seem very small in comparison with the loan repayment, it can app up to thousands in the long-term.

We understand that people may not have the time to actively manage their home loans, and that’s why we are here to help. Let us do what we do and that’s what we good at.

Credit Hub provides continuous loan service even after settlement, aiming to help our customers find the best loans. So, why not start with a loan health check-up with us, let us work on the rest! 

Disclaimer:

The information presented by staff or employees of Credit Hub and its associated companies is provided for general informational purposes only. We do not guarantee the accuracy, completeness, or timeliness of the data or views presented. Audience members should conduct their own research and verify any information before relying on it. Credit Hub and its associated companies are not liable for any errors or omissions, or for any actions taken based on the information presented.

Mortgage Broker in Point Cook

Credit Hub Australia
  • Point Cook, Melbourne VIC
  • Mortgages (Banking & Financial Services)
  • Contract/Temp
  • Add expected salary to your profile for insights
About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.

  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for

  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

Apply Now

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