Who are you?
Investor
You’re a dynamic, knowledgeable, savvy investor determined to grow your portfolio. But you need more help than the bank can give you and you need to re-evaluate your strategy.
Upgrader
You’re a growing family or you need more space and your current home isn’t big enough anymore. But you’re unsure of your options, worried about your finances and concerned about the disruption to your family.
First Home Buyer
You’re a first home buyer both thrilled and cautious about buying your own home. But you’re worried about how complicated it is and unsure of who’s advice to follow to get yourself the best outcome.
Refinancer
You’re financially secure and have had the same home and investment loans for years. But you sometimes think there might be a better way of dealing with your debt and you’re not sure what it is.
What can we do?
We are mortgage brokers who know how to talk to you without all the confusing finance-speak. We understand that you need to know what is happening at every step. We value and deliver clear communication in the most convenient way for you.
We have ten years of experience in the financial services industry and are willing to share our depth and breadth of knowledge with you to achieve the best outcomes for you, our client. If we don’t have the expertise you need, our valued partners will.
We have a broad range of experience that allows us to approach solutions to your financial problems from a holistic point of view. We create solutions that will move your finances forward to attain your goals, now and in the future.
We greatly value transparency and honesty in all of our professional relationships. We will only ever act to benefit your interests. We bring our values and a high level of integrity to every interaction we have with you.
We will earn your trust and help you progress your finances to create the life you want for you and your family.
Our Services
Investor
We understand that approaching the lending side of how you structure your portfolio is vital. We know that you want to control your equity, the strategic direction and the growth of your property portfolio and we will support you to find the best way to do that.
Upgrader
We understand that you have questions that need answers. Do we sell before we buy? Do we buy before we sell? Do we need a bridging loan and how will that work? We help you work out the options available to you and identify which option is best for your family based on your individual circumstances.
First Home Buyer
We understand that buying your first home is exciting but also daunting. We will guide you through the buying process and beyond and make sure the only thing you need to worry about is finding the right home.
Refinancer
We understand that you have a busy life and don’t always pay close attention to your finances. We will help you review your lending portfolio and check that the lender and loans you have are working for you.
Holistic Financial Assessment
Enlighten Home Loans have established strong relationships with a range of valued professionals in all sections of the finance industry. We have leveraged these relationships to provide our clients with a full complimentary review of your financial services and goals. Enlighten Home Loans is dedicated to providing you with all of the knowledge, skills and support you need to achieve your financial goals for now, and for your future.
Principles
In pursuit of excellence for you, Enlighten Home Loans are dedicated to the following professional principles.
We have developed six clear steps to guide you through our business process. We address all of your requirements and provide the clear communication you need to be comfortable.
1. Meeting
We meet with you for a 45-60 minute initial consultation to identify your needs and our way forward.
2. Review
Your full financial situation will need to be reviewed prior to acceptance of any offer or product. We undertake a comprehensive review of your circumstances, goals, immediate plans and vision for the next 5, 10 and 20 years.
3. Strategy
You will be provided with a full loan proposal and recommend strategy following the review. This will be followed by another discussion in which we come to an agreement on the strategy.
4. Process
We provide you with a document checklist, collect all of the paperwork and lodge the application on your behalf with the lender.
5. Management
We manage your application through the entire process from submission to settlement. We will keep you updated regularly via the medium you prefer to make sure you know the status of your application.
6. Post Settlement
We will be in touch one month after – and then each year on the anniversary of – settlement to check the loan, lender and product are still the best suited for your circumstances.
Partners
Enlighten Home Loans is here to take care of you. Our partners are companies with whom we have established relationships. We recommend them because they reflect the same values and integrity embodied in Enlighten Home Loans. We recommend our partners because you can trust them like you trust us.
