It’s easier, more enjoyable, and there’s a greater variety of options now. We offer our best loan advisors have a wide choice of financial institutions on their lending panel. A challenging and time-consuming task, securing the best financing on your own. For the most part, EMS does not charge for its financial services.

The amount of money you make as an employee or business owner, as well as your other financial obligations, affect how much you can borrow. Check out our borrowing capacity calculator to get an idea of how much you can borrow.

In order to check your eligibility for a house loan, your income and spending, and the type of security you plan to utilise, the lender will ask for a number of documents.

If you could contribute 20% deposit you don’t get to pay the LMI (lenders mortgage insurance) If you don’t have 20% deposit, you may get charged the LMI. Please contact Equity Mortgage Services expert to find out about our low deposit loan options.

If you qualify, you may borrow up to 95 percent of the property’s worth inclusive of LMI; however, the higher the percentage, the more you pay in LMI, especially if the percentage exceeds 90 percent.

To begin, a loan consultant saves you time and aggravation by eliminating the need to knock on the doors of an infinite number of lenders. Secondly, Equity Mortgage Services takes care of all the paperwork, which saves you time. Thirdly, when speed is critical, the loan consultant is familiar with which lenders handle loans fast and efficiently.

Depending on the property loan type you choose, you may be required to pay upfront costs to cover the loan application and/or property appraisal. Generally, reputable loan experts will not charge their clients for their services.