Our Mortgage Services
We'll help you get the right mortgage and create a tailor-made mortgage strategy to help you pay down your mortgage faster.
Having a mortgage is a big financial commitment, so make sure you get the right advice and have your mortgage structured correctly from the beginning as it can save you thousands of dollars and reduce the time it takes to pay it off.
Schedule a time with us for a phone call. It’s all about getting to know you, your goals and what you’re looking to do and how we can help you to achieve them. This session helps us define the scope of our work.
We'll review and analyse your current financial situation which covers your serviceability and affordability, your limitations, recommend you the best lender and lending strategy specifically tailored to your needs and objectives.
We'll underwrite and submit a professional loan application to the recommended lender. We'll guide you though completing your due diligence and meeting your conditions.
Tailored Mortgage Strategy
We'll create a tailored mortgage strategy to structure your loans according to your specific goals. We also negotiate on your behalf the best terms, cashback and interest rates.
We will liaise with the bank, your solicitor, accountant, and various stakeholders to manage the drawdown process and make sure that your finances are sorted prior to settlement.
Ongoing Loan Maintenance Service
We'll maintain your loan refixes throughout the life of your loans. Your Twine adviser will review your personal circumstances with you annually, or more frequently if necessary to ensure the solutions we helped implement remains appropriate for your needs and objectives.
Schedule a time with us for a phone call. It’s all about getting to know you, your goals and what you’re looking to do. This session helps us define the scope of our work.
Financial Health Check
A full financial health check helps us get a better understanding of your current financial situation; your income, expenses, assets and liabilities. This session serves as the basis for our personalised advice and mortgage strategy for you.
We'll design and prepare your mortgage strategy and explain to you how it will be implemented. Once you’ve given us the green light, we’ll implement the strategy; loan submissions and acquiring the pre-approval.
We’ll negotiate the best rates with the lender and we’ll design your loan structure based on your tailor-made mortgage strategy.
We will liaise with the bank, your solicitor, accountant, and various stakeholders to manage the drawdown process and make sure that everything is sorted prior to settlement.
& Bi-Annual Review
Your circumstances may change during the year. If you find that your current mortgage structure is no longer working for you, let us know so we can modify your mortgage strategy to suit your new circumstances. We also maintain your loans with fixed rate renewals, throughout the life of your loans.