Select A Mortgage provides a personalised service by Mr John Bruitzman. He has over 30 yrs experience assisting clients with both Owner occupied and Investment Home Loans.
He has dealt with all lending institutions.
In addition to Home Loans he is able to assist you with Personal Loans and Vehicle and Equipment Finance.
Our role as your mortgage specialist is to guide you through the process to ensure that all your needs and options are considered. We make sure that this exciting opportunity is professionally managed to reduce the time and worry for you throughout the purchase.
What can Select A Mortgage do for ME?
More and more Australians are using Mortgage Brokers to guide them through the home loan maze. Currently about 60% of Home Loans are introduced through mortgage brokers.
• The first reason for this is that Select A Mortgage will save you money by directing you to the lenders with the best rates and the loan features to suit you.
• Secondly, we save you time by bringing the major lenders to you at once, instead of you having to go from bank to bank trying to make sense of it all.
• Thirdly, we explain the loan to you in plain English, so you know you are getting a good home loan.
• Fourthly, we can guide you away from the many potential traps in borrowing money.
• Fifthly, Select A Mortgage is a personal service provided by Mr John Bruitzman who has been assisting clients since 1988. He has over 30yrs experience as a Mortgage Broker.
• Finally, using a Mortgage Broker is a totally free service, there are no additional charges to your loan at all.
What kind of organisation is Select A Mortgage?
Select A Mortgage is a Mortgage Brokerage. Also called Mortgage Introducers or Mortgage Originators. We bring together the best loans from a wide cross-section of lenders and assist you through the process of choosing and applying for a home loan. We do not lend money ourselves, which means we are totally independent and looking out for your best interests. Mortgages are what we know best, so take advantage of our expertise. After all, its free.
How do I know Select A Mortgage will provide a High Quality service?
Select A Mortgage is a full member of the Mortgage & Finance Association of Australasia. This means we must adhere to a stringent Code of Ethics:
• To Act with Honesty and Integrity at all times
• To Comply with all the Laws and Regulations relating to the Mortgage Industry
• To Maintain Confidentiality in all Dealings
Which lenders does Select A Mortgage represent?
Select A Mortgage represents lenders who have consistently competitive loan products. Also, we select our lenders to ensure we have a wide number of lender types – banks, credit unions, mortgage managers, building societies – to ensure that you will get a great deal.
Why would you go anywhere else?
Why don’t I just go direct to my bank?
When you go straight to the lender it is in their best interests to put you into the loan which makes them the most money over as long a period as possible. We are paid by the bank but it is in our best interest and we are obligated by law to put you into a loan that is the suitable for you in your current circumstance.
We are experts in mortgages and can teach you mortgage minimisation techniques that can save you thousands of dollars and require no extra repayments.
The Lenders have various types of loans (i.e., honeymoon, standard variable, line of credit, etc.). Knowing what type of home loan you need is only half the battle, we help you choose which lender has that best type of loan. Because we are independent we can help you select what loan and lender suits your situation, not just what the bank has to sell you.
I have a good relationship with my bank manager, what more can you do for me than he could?
Individual bank managers do not have the power they did in the past, they can’t approve loans.. Assessment of loans is done through centralised processing unit. We have access to the Bank’s Business Development Managers and we know the different discounts each bank is able to give depending on your situation. Also, the banks view us as one big customer because of the large amount of loans we put through them every month and they compete for our business. This means we have access to discounts and special offers which an individual bank manager can’t offer.
How do I know I am getting the best loan?
We will give you a choice of lenders, provide a comparison of the products being offered and allow you to choose your preferred loan facility. We will inform you of the commission that we will paid depending on which loan you decide upon. We do this so you know that you are getting the best loan, and not the loan that pays us the most.
How can using Select A Mortgage be free?
As we all know, banks have been drastically cutting staff numbers and closing branches. To cut costs the banks have been forced to outsource their sales force. It is much cheaper to pay us as on a performance basis than to pay a bank manager and keep a branch open. Also, we represent some less well known, but reputable and inexpensive lenders who do not have huge advertising budgets like the banks. We help them keep their costs down.
Does Select A Mortgage ensure my confidentiality?
Select A Mortgage is governed by the Privacy Act 1988 which enforces the privacy of personal financial information. Your financial, contact or other personal details can only be conveyed to another organisation or individuals outside Select A Mortgage with your express permission.
Need a consultation?
If you would like to speak to us about your specific requirements please use the form below to contact us today.
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4A Macdonald Grove Mornington VIC 3931
PO Box 626 Frankston VIC 3199
P: 03 9788 6888
M: 0425 750 581
Australian Credit Licence Number
ABN 62 055 638 198