SEVEN STEPS TO DOING BUSINESS
SportzMortgage.com.au has a game plan that makes applying for a loan as easy as it has ever been. Our straightforward approach reduces the margin for error and allows us to provide you with a comprehensive report detailing all you need to know about taking out your loan. When you know what you want – we will take you through the following steps :

1. Complete and submit an online enquiry to us and we will begin the research for you
2. Make yourself available for a 15 – 30 minute phone conversation to discuss the findings
3. Arrange a convenient time to meet with a SportzMortgage Lending Associate (If you are unable to meet personally we can discuss all of the available options and next steps via telephone-conference)
4. Complete a loan application with assistance from a SportzMortgage Lending Associate
5. Your SportzMortgage Associate will submit the application and follow it get the result and will keep you informed every step of the way by phone and email
6. Upon formal approval from your chosen lender your Sportzmortgage lending associate will discuss everything that needs to be done and assist you every step of the way
7. Cross the T’s dot the I’s and get set for settlement

When settlement is completed and everything is done time to pop the cork and celebrate

When applying for a loan, there are some basic and fundamental steps that need to be completed. Whilst it looks like a lot of things to do, a SportzMortgage Lending Associate can and will help to make the process as simple and easy as possible.
One thing we can tell you is that irrespective of where you choose to do business, you will be required to answer a number of questions. These questions help a potential lender to assess your borrowing capacity and your ability to repay the loan. The following documents will assist the lender in their considerations:

• photocopies of current bank account statements
• copy of most recent pay slips and or group certificate (PAYG)
• copy of last two years financials (Self Employed)
• proof of any share holdings and other assets
• details of any second income, bonuses, allowances or benefits
• pay slips or a letter from your employer outlining length of employment and salary

If self-employed:

• tax agent income statements and income tax returns, and
• profit and loss statements certified by a registered accountant

If your are selling a home in the process:

• copies of exchanged contracts, or
• solicitor’s letter confirming a firm buyer

If paying out an existing mortgage and starting a new home loan:

• a letter from the present lender stating the amount owing and proof of past repayments, and a
• photocopy of the front page of the contract of sale, if you have already decided on a property

Buying a home is a big decision and generally, it takes some time to find the right home. This gives you the opportunity to check out the lending options and products available that best suit your particular needs and circumstances. Most lenders will approve a loan ‘in principle’ (pre-approve) which allows you to look for a property with a specific budget in mind.

Choosing the right home loan is as important as choosing the right home. Home loan lenders fall into two main categories banks and non-bank lenders, such as credit unions, building societies and mortgage originators.

Right now there is healthy competition between lenders for your business. SportzMortgage has a wide range of lenders from all of these areas, so we do suggest that you take your time to thoroughly research the products, packages, options and repayment methods each offers.

To assist you in your research and ultimate selection we have a state of the art technology platform that allows you to tell us what you want and what you don’t want in your loan. Once we have entered this information a selection of the most suitable options (based on your preferences) will be short listed. A short discussion following this stage will help you decide. Some of the determining features that might be considered is the access to a branch network, internet facilities, add on features etc.

The office for Consumer Affairs Victoria will confirm that the loan with the lowest rate may not necessarily represent the best overall value when you take into account fees, charges and repayment flexibility. Hence it pays to discuss these matters in some detail with a SportzMortgage professional accredited loan specialist.

Buying a home is the most important purchase that many people will make. It is therefore just as important to put the same care into choosing the right loan product as you put into choosing the right home. Generally home loans are referred to as mortgages because the lender takes a freehold or property mortgage over your home as security for the loan.

Whilst choosing right is an important decision it is also important to remember that as your circumstances change so will the loan that you have on your property. Albeit that this is not a regular occurrence it is possible to change your loan as and when necessary. In fact some industry experts claim that people change their loans as much as ever three to five years.

The following information should always be sought when searching for and considering what is the most appropriate loan for your long term needs. SportzMortgage recommend that customers should get as much information as they possible by asking for details on: -

The market has a wide range of loan products catering for a variety situations and circumstances. All have particular benefits and features that you will find attractive. Consumer Affairs Victoria has produced a comprehensive publication

After the leg work is done and full approval is issued (letter confirming details) loan documentation will be issued for you to sign. We encourage people to have these documents read by a solicitor or trusted advisor. If you are unsure of anything in the contract, ask your advisor, or SportzMortgage representative for clarification. The best advice is to get independent advice.
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Each credit contract and pre-contractual statement should include all relevant information including the amount of credit to be provided, the annual percentage rate/s, how the interest will be calculated and when it will be charged, the total amount of interest if the contract is paid out, credit fees and charges, how changes will be advised, default rate of interest, frequency of account statements, relevant commission charges, mortgage guarantee insurance and details of credit-related insurance financed under the contract.

After the contract is signed, the lender is required to give you a copy of the signed contract. The lender should also provide regular account statements that include:

If you require further assistance or any information about credit, you can call Consumer Affairs Victoria on: 1300 55 81 81or Country callers: 1800 80 38 00

Owning our own home has always been an important part of the great Australian dream. More recently, owning an investment property has also become a goal of many families.

But sometimes the stresses and strains of life get in the way of our best intentions. Our plans get put in the “Too Hard” basket.

This is why Sportzmortgage.com.au, accredited mortgage professionals; have come up with a mortgage offer that deserves your serious consideration. Are you:

If so, by calling us we’ll not only help you find a great home loan – you could also take a holiday from mortgage repayments for a whole year!

We are accredited mortgage professionals and part of Australia’s largest mortgage broker, Australian Finance Group (AFG). We live and work in your suburb and can visit you at a time that’s convenient to offer a no-obligation assessment of your needs. Let us do all the leg work to find you the most suitable home loan for your needs. Our service is at no cost to you.

What’s the difference between a mortgage broker and a bank? With a bank you have access to only one company’s loans. As a broker we have access to over 35 lenders and 800 home loans, including all the main banks and lending institutions. You don’t pay any more than if you went into a bank, you don’t have to fill in endless paperwork (we do that), and we can give you advice on which loan best suits your needs.

For terms and conditions click here

ABOUT US

SportzMortgage.com.au is a National Mortgage Broking and Financial Services company dedicated to providing exceptional service to consumers via an extensive range of products and services.

Together with our core business services, our team of highly committed and qualified staff and our passion for community based sport, SportzMortgage provides: -

SportzMortgage.com.au provides a share of all revenue to be directly and indirectly distributed to local clubs and organisations. This inturn enables clubs and groups to generate a passive ongoing income stream, not only from active members but also from areas outside of immediate local community areas.

Our core business is the provision of financial and lending products and insurance services. Our prime objective is to ensure that every experience is a fantastic experience based on our service model that is designed to provide exceptional service. This is central to our philosophy and commitment to continually build sustainable relationships with a wide range of clubs, sporting bodies and individual consumers.

As we continue to gather momentum, we will continuously strive to Build Community Spirit by enhancing the financial viability of clubs and community groups, predominantly reliant on membership fees, local fundraising and volunteer labor for their survival.

HOME LOANS
SportzMortgage.com.au is a National Mortgage Broking and Financial Services company dedicated to providing exceptional mortgage services to customers. SportzMortgage.com.au has access to over thirty home loan lenders (including all major banks) and over 1000 products.

Through our team of highly committed and qualified staff and our passion for community based sport, SportzMortgage provides: -

• A wide and diverse range of products and services
• An opportunity for local sporting clubs to build financial security, and
• An opportunity for Clubs to gain access to financial grants

How Sportzmortgage can work for youSportzmortgage.com.au believes everyone deserves a sporting chance when looking for a mortgage. Based on this philosophy we are dedicated to two fundamental causes:

Getting consumers the home loans they want, and Providing local sporting clubs with a lifeline for their long term survival. We have access to all the major home loan lenders which include:

ANZ Bank, Westpac Bank, Bankwest, Colonial and more

Through our team of accredited Lending Associates an extensive choice of home loans from a wide range of lenders, we do the hard yards to make getting your mortgage quick, easy and free of stress. Everyone gets a sporting chance at Sportzmortgage.com.au To get the ball rolling