MATCH Selection System
Helping to match the right home loan choice with your needs
In today’s market choosing a home loan is not only about the rate on offer, let’s face it, rates change all the time. Over the years Mortgageport has helped thousands of Australians make a smarter finance choice when it comes to buying property.
Using our experience we have developed a unique system to help you navigate your way through all possible loan combinations to deliver the right home loan choice at the right rate based on your needs.
Mortgageport recognises that your individual requirements of a home loan will be unique to your situation. We will take you through our MATCH selection system, a 6-step methodology to analyse your needs and recommend the right home loan choice for you.
So what is involved?
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Step 1 Analysis of your needs |
We’ll help you make the right decision, when we know it’s right for you. Before any informed decisions can be made about what loan product is right for you, careful thought is given to your particular needs and circumstances. |
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Step 2 Strategy for lending
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Once we understand your needs, a loan structure is recommended for you. We do not just look at what products are available and then make you fit into one of these. We work in reverse, identifying what is right for you and then looking at what products deliver this result. This is known as your Lending Strategy. An example of why this is important is tax effectiveness. The wrong loan can end up costing twice as much as it should. |
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Step 3 Exploring your options |
Once we know your Lending Strategy, we then match your credit profile to a range of lenders to identify which lenders will meet this strategy and where you meet their credit guidelines. Not all lenders do things the same. |
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Step 4 Structuring your solutions
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We aim to access the most competitive rates in the market. To help you understand the facts, we will give you a short list of lenders, along with an adjusted interest rate reflecting the “real” cost of each loan over your preferred term – giving you a simple, accurate way of measuring the most suitable and affordable solution. We will also provide information on our experience with these lenders considering their service standards as well as outlining how difficult or easy they are to do business with. |
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Step 5 Approval and settlement process
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Your choice of loan is vital but that’s only part of the job. We must make sure that your loan gets approved in an easy and prompt manner. Mortgageport does this work for you by completing the necessary paperwork and preparing the loan application for submission. We do all of the negotiation on your behalf to make sure your loan is approved and settled on time. |
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Step 6 Reassurance
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What happens if my priorities change? With loans we manage, we offer the Mortgageport Future Proof Loan Commitment. We recognise that your circumstances change over time and the lender may not always deliver what they promise – so if you’re not satisfied with your existing home loan, we’ll arrange for your loan to be rewritten to a more suitable lender. You may choose from our loan portfolio of over 14 major banks, retail mortgage providers and two wholesales lenders. Read more here about how the Mortgageport Future Proof Loan Commitment works. |
It is not all about income and assets, we need to take the time to find out your whole situation.
The MATCH selection system is designed to guide you to an informed choice so you can have confidence that the home loan you select is right for you now and will be down the track.
Come in and see all your home loan options, our MATCH selection system will speak for itself.
