Your broker is your expert to guide you through the process of choosing, applying for and settling on a home loan or investment loan – saving you time and frustration. At Avalon Mortgages, you do not pay for the services of your broker. The bank pays a commission to the Avalon Mortgages once your loan settles. Your broker can help you choose the most appropriate loan from many dozens of options. You broker will often receive better interest rates for you than you will receive if you go directly to the bank – saving you thousands per year.

At Avalon Mortgages, you do not pay for your brokers assistance. We are paid directly by the bank, once your loan settles.

The bank does not charge a different rate or additional fees, if you use a broker, in fact the rates are typically better when your broker negotiates the rate for you.

You!

You are the client and your broker is paid the same regardless of the bank you choose.

It depends!

Firstly it depends upon the time it takes us to complete the application and gather the documents required by the lender.

Second, it depends upon the time the lender takes to assess and verify the application.

Some lenders are able to provide a conditional approval within 24 hours, others take much longer. We will advise you on the timeframe to expect from each lender before you apply.

It can be! Different lenders have different processes and requirements. Sometimes these requirements are very tedious. You should consider the simplicity or difficulty of each lender, as a part of your lender decision.

We will advise you on what to expect in terms of documentation and information required by your chosen lender. We believe that we have made the process as streamlined as possible, saving you time and frustration!