These days you can go and get a loan anywhere because everyone is willing to throw money at you…. But then they generally say "Goodbye" and not look after you in any other way.
Home Ownership Company®'s philosophy is that the loan is important but what is equally if not more important is why you need the loan and
what your plans are for the future!
For example:
- What do you want the loan for - a home loan, an investment loan, a personal loan etc…
- If it is a home loan - do you also want to look at investment properties down the track?
- If it is an investment loan - what do you want to achieve in the next two years, five years, what are your long term goals in regards to investments? What are your exit strategies for the future?
- If it is a personal loan - can it be consolidated into your home loan to achieve a lower interest rate?
Home Ownership Company® looks at the big picture and then from this information decides which bank product would suit your situation, taking into consideration your future aspirations.
By only going to an individual bank they will never tell you about any other product on the market and they will not be necessarily interested in a relationship with you and truly understand what your long term goals are. They will however promote rate, rate, rate, rate, sign you up and say "see you later".
Home Ownership Company® believes
that rate is important, however we also believe the
most important thing about a loan is how that loan is being managed and utilised to pay the debt off as quickly as possible. This then opens other opportunities for you to create wealth faster!
Just because someone says you have a good rate you then really need to work out what the comparative rate is - the effective rate is when you add on the monthly/annual fees and charges. Sometimes the cheap rate is not so cheap once all of the relative fees and charges are added on. Sometimes it is better to get a higher rate with no monthly fees and charges attached.
Home Ownership Company® puts a lot more thought into all types of loans because it is the reasoning behind why you want the loan in the first place that is important, what you want to achieve. A "run of the mill" Mortgage Broker or Bank is not necessarily interested in helping you towards your actual end goal - they will just focus on the loan as a single entity, not as a part of the "big picture".
Our focus is to ensure that
- You have the right loan for your situation and then
- Review that facility yearly to ensure that it is meeting your changing circumstances
REMEMBER - Home Ownership Company's® Loans service is COMPLETELY FREE! The only fees you will incur are bank fees and government
charges as you would with any bank, building society or credit union.
