Getting a mortgage can be hard. Sometimes it's not easy to figure your chances as different lenders have different rules.
Your bank might say no. So it’s common to feel confused or let down when you get this kind of response.
That’s where we can help.
A skilled mortgage adviser makes getting a mortgage easy. They tailor your application to fit bank policies, not only securing bank approval but also getting the best terms. This personalised service and financial expertise is something you won't find by going directly to a bank - even if you've been a customer for decades.
A good mortgage adviser should:
Each bank has a 20+ page lending policy document dictating how they assess your mortgage application.
A good mortgage adviser won’t just know the policies, they’ll help you adapt your application so it fits the bank’s policies.
Before you can invest in property you've got to get the money. Here at Opes Mortgages, our #1 job is to get the money approved.
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This is so they can run the numbers and get a sense of what you can borrow before they meet. This speeds up the process, saving you time.
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The best bank for you is the one that’s going to say "yes" to your application. Sometimes a bank will advertise a great interest rate or deal. But, if they aren’t willing to lend to you, there’s no point sending your application in.
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Congrats, the bank gave you an initial “yes”. You’ll usually hear this good news via an email from us, with the approval letter attached. Your bank may have conditions before you get the money and you need to make sure you meet these conditions.
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The final step is to pay for your property. This is also when the bank will then send through your interest rates and any cashback they want to offer.
$0
We get paid by the lender
Opes Mortgages
Nothing.
Working with an adviser from Opes means you'll pay nothing for the service.
The bank will pay them a commission based on the value of the mortgage.
Their dedication and tireless efforts were truly impressive
I had the pleasure of working with Peter and Kirstie from Opes Mortgages, and I cannot praise their service enough. Their dedication and tireless efforts in securing my lending approval were truly impressive. They efficiently navigated through multiple banks, making the entire process stress-free and seamless for me. Their professionalism and commitment were exemplary. I am thankful for their outstanding service and look forward to collaborating with them again in the future.
Lana J
I recommend Opes Mortgages to my friends and family
April is fantastic, she helped us feel at ease when we were concerned we couldnt get the lending we needed. She answered our a million and one questions even one I repeated several times without realising.
She made applying and accepting our loan easy and simple.
Francie and April worked well together to ensure our loan application got across the line to be able to purchase our 2nd property.
I will be using April and Opes Mortgages in the future.
I recommend Opes Mortgages to my friends and family or anyone who needs to get a mortgage.
Gemma T
Will go out of their way to ensure things get done
Great team to work with - they are knowledgeable and have the expertise to help work through any situations that may arise. They are very responsive and will go out of their way to ensure things get done on time. Much appreciated!
S C
Here at Opes, we specialise in helping property investors get their mortgages approved.
It’s what we do all day, every day.
That means that when you work with an Opes mortgage adviser, you’re working with someone who gives you the best shot at getting your mortgage application approved.
You’re also working with someone who can explain why your application might have got a “no” for now … and exactly how to turn it into a “yes” in a few months time.
We’re also opinionated about how to set up mortgages the right way.
We do all of this so you can avoid lying awake at night, wondering if your mortgage application will be rejected.
You'll be able to sleep more comfortably, knowing that you're in the best position to get your loan approved.
Once you submit this form, we'll give you a call to discuss whether we can help you get the money to invest. This will take roughly 10 minutes.
1. A team member from Opes will be in touch to see if working with a mortgage adviser is the right fit for you.
2. You'll be paired up with a mortgage adviser best suited for your situation.
3. With their help, you'll start the mortgage application process.