TRUSTED MORTGAGE ADVICE FOR ONE OF THE MOST IMPORTANT DECISIONS OF YOUR LIFE.
It helps to move fast when you are considering buying a property in a trophy home market such as Sydney’s Northern Beaches or North Shore. Mint Equity is a highly recommended mortgage broker in North Shore with multiple industry awards. Having over two decades of banking experience and developed a deep understanding of the area, we’re able to provide a proactive, hands-on approach by keeping our finger on the pulse. Both Directors of Mint Equity grew up on the gorgeous Northern Beaches and lived for many years in Northbridge on the North Shore. Knowing the property market as well as the mortgage products on the market is how we help you select the best home loan products for the best chance of approval amongst over 40 lenders and 100’s of financial products.
BUYING PROPERTY IN SYDNEY’S NORTH SHORE
Living in Sydney’s Northern Beaches or the North Shore is the dream for many. In the middle of the action of Sydney’s beautiful beaches, cafes, restaurants and things to do, along with being close to the North Sydney CBD, the North Shore is an area prime for lifestyle. The North Shore offers many enviable high-end luxury apartments and houses that are perfect for working professionals, more established families and retirees in their golden years.
As such a desired location that’s close to the city, there are also lots of developers that are interested in creating new luxurious villas, apartments, and duplexes in this space. The result is many on-the-plan and off-the-plan apartments on the market. For this reason, it may be beneficial to seek assistance from a Northern Beaches mortgage broker who understands how to navigate the different financial needs for a home or investment loan.
OUR SERVICES
Mint Equity is an independent mortgage broker in Sydney, offering services in the North Shore, Waverton, Kirribilli, Mosman, Greenwich, Lane Cove, Randwick, Five Dock and other surrounding suburbs. We’ve built our reputation on our independence and dedication to assisting our clients to achieve the best outcome.
We assist clients with residential, commercial, business and SMSF lending:
Benefits of choosing mint equity
Our services are free, as we’re remunerated by the lender you select.
We have over 20 years experience in finance, including residential, commercial and SMSF lending. So you only need to deal with one person for every loan.
We have experience working in credit and understand how credit thinks so we can help you improve your chances of securing approval.
We’re with you every step of the way - from your planning and initial thoughts, through the application process to settlement and beyond.
We don’t pressure our clients into taking unnecessary products in order to hit targets. That’s not our style.
We have personality, energy and are easy to deal with.
HOME LOAN CALCULATOR
As you start looking at property, it can be difficult to understand your borrowing capacity and anticipate what your loan repayments will look like. And in a hot market such as Sydney’s North Shore, it’s understandable that you want to move swiftly to secure your dream home.
Mint Equity’s home loan calculator helps remove the uncertainty with estimates to get a better idea of where the numbers range. When our mortgage brokers in North Shore compare home loan finance products, we use our own home loan calculator while taking the different policies of lenders in mind. This helps provide a full picture to our clients, of how you can start planning your next move. When calculating your capacity and loan repayment requirements, our North Sydney mortgage brokers always lean on the conservative side to help reduce risk. So you don’t extend your borrowing capacity past your budget or struggle in the case of changes.
HOME LOAN PRODUCT COMPARISON
We compare home loans from over 100’s home loans from 40 different lenders to meet your property goals after calculating your borrowing capacity. Our system pulls directly from lenders to ensure that we are always getting the latest finance products and comparison information to choose from.
Interest rates are often updated weekly to add confusion to the process of selecting a home loan. This is where we, as your mortgage broker in the North Shore, Mint Equity, can help provide clarity and streamline the process. We will provide you with only the best finance products that are most suited for your situation and goals. Our knowledgeable brokers can also recalculate what loan repayments may look like if your situation changes to help you plan for a comfortable margin.
Highly recommended mortgage broker in the north shore
Mint Equity assists clients with residential, commercial, business, and SMSF lending. Our role as a highly recommended mortgage broker in the North Shore is to work with clients to identify the most suitable mortgage in Sydney and finance options from a portfolio of products from the big-four banks and multiple second-tier lenders to meet the objectives of your financial situation. We simplify the process for our clients, taking care of all the necessary administration tasks, which include the paperwork, application process, and the final settlement. In a tight and fast-moving property market, you need to move quickly. That’s where the Mint Equity team hit their stride. Finding a Northern Beaches mortgage broker who not only knows all the ins and outs of home loans but is responsive and proactive is beneficial as we can fast-track and streamline the application for our clients.
Discussing the objectives of your financial situation both for the short and long term, enables us to get a clear picture of your needs to reduce fees and charges and lenders mortgage insurance (LMI) costs.
As part of our free service, we’ll provide you with a full mortgage comparison in Sydney detailing the best mortgage rates and comparison rates. We can also specify your actual repayments using a repayment calculator and take into account any extra repayments and final loan amount if utilising an offset account.
When assessing your borrowing capacity and loan amount, we will explain how the bank calculates your ability to repay the loan if you decide to apply, and if required, advise how credit cards and their limits can increase or decrease your borrowing capacity.
HOW CAN OUR north shore MORTGAGE BROKERS HELP?
Mint Equity assists clients with residential, commercial, business, and SMSF lending. Our role as a mortgage broker on the North Shore is to work with clients to identify the most suitable mortgage from a portfolio of products from the banks and second-tier lenders to meet your needs.
We simplify the process for our clients, taking care of all the necessary administration tasks, which include the paperwork, application process, and the final settlement. In a tight and fast-moving property market, you need to move quickly. That’s where you’ll value the years of experience the Mint Equity team have. Finding a North Shore mortgage broker who not only knows all the ins and outs of home loans but is responsive and proactive is beneficial as we can fast-track and streamline the application for our clients.
Meet the Mint Equity team
Frequently Asked Questions
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We don’t charge fees for our services as we are remunerated by the lender you choose once the loan reaches settlement.
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Credit Representative Number 460314 is authorised under Australian Credit Licence Number 389328.
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We can arrange appointments 7 days a week at a time that suits you and at your preferred location. You can call us on 1300 00 MINT (1300 006 468).
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We are able to service all parts of Australia and for clients living overseas.
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No, the digital age has helped the finance industry a lot and with the use of phone, email, Skype and identification verification points (like banks and Australia Post), we’re able to provide our service to those across the whole of Australia.
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We have access to over 40 lenders including the big 4 and 2nd tier lenders which provides us with 100’s of products to suit the needs of our clients.
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If you’re not sure if your current bank is providing you with the best home loan option, give us a call. We can assess their offer and let you know if there is anything better out there from other lenders.
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Depending on the lender you choose, in some cases we can get pre-approval within 24 hours. Many lenders have an auto approval system that enables us to turn around home loan pre-approvals very quickly. However, we would always recommend allowing up to 5 business days to ensure you have enough time to provide all the documentation we’ll need to submit your loan.
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Whilst it’s not ideal to exchange contracts before getting finance approved, we know some properties are hard to resist. In those cases we are able to prioritise and escalate your application through the lender. We have great relationships with our lender panel and can assist us to get urgent approval.