Your Questions
Please call us on (08) 9456 3925 or contact us via this website if the answer to your question is not covered below:
- Are my personal details secure when I apply online?
- Can Mortgage Miracles help with a Reverse Mortgage?
- Can someone with a bad credit history still get a loan?
- How can I ensure Mortgage Miracles will provide a high quality service?
- How do I get the first home owners grant?
- How many lender's do you have available to you?
- How much will your service cost me?
- What happens after I apply for a loan with Mortgage Miracles?
- What services can Mortgage Miracles offer me apart from Mortgages?
- What type of organisation is Mortgage Miracles?
- Why don't I just go direct to my bank for a loan?
- Why should I use Mortgage Miracles?
- Will you come to visit me or do I have to come to your office?
Are my personal details secure when I apply online?
Yes, your personal information is held securely in accordance with our privacy policy and the current Data Protection laws.
Unlike some brokers we like to do this personally and nearly all our forms require just your contact details, so we can speak to you over the phone. We are not another "faceless" company that makes you do all the running around.
Please note that the personal information you have submitted to us will only be used to secure any finance or services you have requested of us and will not be shared to any other organisation or individuals outside Mortgage Miracles without your express permission.
Can Mortgage Miracles help with a Reverse Mortgage?
Yes we can! We have in house expertise on reverse mortgages and can offer free advice on this type of home loan. We will present a balanced assessment of reverse mortgages, showing our clients the positive aspects without glossing over the facts.
Reverse mortgages are getting more and more popular as property prices increase and many older people have considerable equity in their homes, but little disposable income to enjoy their later years with financial freedom.
We have published a news story on reverse mortgages and if you wish to read more about this type of product, please click here.
If you wish us to contact you about a reverse mortgage please fill in one of our free, no obligation mortgage quote forms.
Can someone with a bad credit history still get a loan?
As long as you are truthful with us, we will put you with a specialist lender and submit the best case we can to that lender, endeavouring to getting your loan approved, regardless of your past credit history.
We do encounter problems when the applicant has not told us of past problems and remember when you apply for a loan, the first thing the lender will do is run a credit check for themselves. We can run a credit check on your behalf and do advise anyone who may have a credit problem to ask for a for one.
If successful with a specialist lender, you may have to pay a slightly higher rate if you have past credit problems, but that is often better than no loan at all. Once you have a proven record of repaying on time we can often move you to a standard lender and a better loan rate.
To see if we can help you, please fill out our FREE mortgage quote form.
How can I ensure Mortgage Miracles will provide a high quality service?
Mortgage Miracles adheres to the highest legislative standards and is a member of several major industry and governing bodies, which helps to protect your interests.
Mortgage Miracles is a member of the Australian Finance Group (AFG), Australia's largest mortgage wholesaler, organising over $2 Billion in home loans each month and are also members of the Mortgage Industry Association of Australasia (MIAA).
We hold Corporate and Individual Finance Brokers Licenses. This means we must adhere to a stringent code of practice, including acting with honesty and integrity at all times and complying with all the laws and regulations relating to the mortgage industry.
How do I get the first home owners grant?
We can tell you if you are eligble for it and if so arrange for your first home owners grant application to be submitted at the same time as your finance application. This will ensure that upon approval the funds will be available at settlement of your new home. This will also ensure that stamp duties exemptions (where applicable) are passed on to you.
Not only do we help ensure that your finance application is correct but also help you with all the things that can often make applying for finance such a headache.
For a full explanation of what help we offer our clients please read our service promise page.
How many lender's do you have available to you?
At Mortgage Miracles we deal with over 30 financial institutions including Banks, Building Societies, Credit Unions and Non-Bank Lenders. We compare all these to find you the lowest home, business and personal loan rates we can.
We are not tied to offering only our own products like the banks and we are sure we can find a lender that meets your needs and suits your circumstances.
Why not view our full lender list.
Would you like us to get you a FREE mortgage quote?
How much will your service cost me?
On residential loans our commissions are paid by the lenders and not you! We get paid for introducing mortgages, loans or other products by our lender panel through the Australian Finance Group (AFG).
If you would like to know more about our commission structures, during your loan interview or over the phone, please ask and we will be happy to explain further.
What happens after I apply for a loan with Mortgage Miracles?
We will take you all the way through to settlement, from submitting the application to the financial institution to receiving the approval.
We will then keep track of your application ensuring documents are issued in a timely manner, help you go through the documents and then ensure settlement is booked on time.
We will keep you informed through the whole process and make sure your experience with one of the biggest decisions in your life is as stress free as possible.
To see the full list of steps we go through please read our service promise.
What services can Mortgage Miracles offer me apart from Mortgages?
We have access to all types of loan products, not only mortgages. We can offer personal loans,
debt consolidation loans, and can help you even if you are credit impaired. We offer all types of insurance services, from personal, health, business and car insurance.
We specialise in helping find and finance investment properties for our clients and helping those who have never owned their own home get on the property ladder.
As part of the service we offer, we can run a credit check report on your behalf, making sure there are no surprises in your credit ratings file. Even someone that is credit worthy should check their credit rating regularly as mistakes do happen and we can deal with them quickly and efficiently.
What type of organisation is Mortgage Miracles?
Mortgage Miracles is a Mortgage Brokerage; also known as a Mortgage Introducer or Mortgage Originator. We bring together a wide selection of mortgage lenders and products, so we can make sure that whatever your circumstances we can almost certainly help you get the best deal on the market.
Why not get a FREE mortgage quote today and become one of our many success stories.
Why don't I just go direct to my bank for a loan?
Banks can only offer their own products and these may not always be the best for your personal circumstances. Speaking to us is like speaking to over 30 different lenders at once. We look at your current bank’s loan products and compare them to all the other lenders at once, saving you time and confusion.
We can also advise you which loan (i.e.fixed, standard variable, honeymoon, line of credit, etc.) fits your circumstances. Knowing what type of loan you need is only half the battle, we help you choose which lender has that type of loan at the lowest rates and fees.
Why not put us to the test by applying for a FREE mortgage quote today.
Why should I use Mortgage Miracles?
Mortgage Miracles takes all the hard work out of finding a loan that suits your requirements. We have access to over 30 top lenders and can hopefully save you money by directing you to the lenders with the best rates and the loan features to suit you.
We can save you time by bringing the major lenders to you all at once, instead of you having to go from lender to lender, trying to make sense of it all.
We talk to you in plain English, helping you decide the best loan for your circumstances, guiding you through the application process, making sure your application is as strong as it can be, avoiding simple but common mistakes.
Why not put us to the test by applying for a FREE mortgage quote today.
Will you come to visit me or do I have to come to your office?
These days with the use of mobile technology, location is no longer a key factor in utilising a finance broker, service is probably more important. We have conducted business across all states and internationally, so do not let location stop you from using us.
The Mortgage Miracles main office is situated in WA, just outside Perth and we do like to meet our clients if possible, as long as they are within a reasonable distance we are happy to visit you at home or work.
If you prefer you are welcome to visit us at anytime during our office hours (08:30 - 18:00 Monday to Friday and 08:30 - 17:00 on Saturdays), you do not need an appointment, but it is worth calling beforehand in case you require specialist knowledge and we can make sure we have someone suitable on hand.
To arrange and appointment, please call us on (08) 9456 3925 or contact us via this website.
