Existing Home Owners

Why Lockhart Mortgages Limited?

With over 9 years advising experience Lockhart Mortgages has already helped hundreds of clients secure their home loans and we can help you too.

Negotiating the pitfalls of selling and buying property can be daunting in this age of regulation and strict banking requirements, so having the right advisor, who knows the market and the banks, and who can guide you through the process, saving you time and money, is now more important than ever.

How do we work with you?

Lockhart Mortgages will work with you every step of the way, from assessing your options, to helping you ensure you have all your “ducks in a row” prior to your property settlement date.

Our experienced team don’t just get you a loan approval and a great rate, we are here giving you the benefit of our experience and advice, to guide you through your next purchase, ensuring your future is secure.

Our service is free!

So many things are advertised as free nowadays, but our service is completely free to you. The banks pay our commission – only when your loan settles. Importantly, and contrary to some rumors, the banks do not add our commission into the interest rate they charge you.

In fact a good advisor will likely get you a better interest rate discount than you can negotiate yourself through your bank. At Lockhart Mortgages we put together the most appropriate home loan package that works for you.

We want to give you the best service possible so we will see you again for your future purchases and that you will want to recommend us to your friends and colleagues.

This is how we work with you.

Lockhart Mortgages will meet with you (at home, at your place of work or wherever suits you best) and learn all about where you are at and what you wish to do.

We need to understand the nature of your deposit and provide advice around meeting banks’ lending criteria.

A loan profile will be provided that helps you understand your options and how much you can afford to borrow from each bank we deal with.

Advice is given on the most appropriate buying strategy for you, types of sale options, property issues to watch out for, reports you may want and reports you must have.

Also, we will advise on the types of properties you should be looking at and those to avoid, ensuring you find a property the banks will find acceptable to lend money against.

Once you have found your dream home, we will get you the best overall deal on the market, great rates and the most appropriate loan package tailored to your requirements.

Lockhart Mortgages has great relationships with specialists that we can recommend, to help you protect your purchase.

Refinancing

Are you happy with your current mortgage provider? Are they giving you their best deal? Did you review the market last time your mortgage interest rate expired?

If you answered “No” to any of these questions, Lockhart Mortgages is here to help. Our procedure is always to check in with you at every interest rate expiry date. We ensure you are getting or being offered the best deal for you, as we are dealing with all the major banks on a daily basis.

If you want to talk to us about getting a better lending deal than you currently have in place, we have the experience and expertise to help.