Q. I have a long established history with my bank so why would I need to look any further?

A. While your current lender may have provided what you needed in the past, this may no longer be relevant to your current situation. The fact is that your lender can only deliver to you one set of products and credit policy. That lender may well be providing you with its best product, but is it the best the market can offer? Further, if your lender has not grown with you, you may find that you are making important lifestyle and investment decisions around its credit policy.

At Premier Finance, we will find a lender that fits your requirements, not the other way around thereby helping you realise your full potential in terms of lifestyle, security and risk.

Q. Don’t brokers just place my business to the lender that pays them the highest commission?

A. We are here to do the right thing by you, which entails placing you with the lender and product best suited to your needs. Premier Finance believes in full transparency with fees, charges and commission schedules supplied to all clients. We are also focused on long-term relationships, which means that we do what is best for you so that we may be able to assist further in the future.

Q. What is the benefit in using the services of PFA?

A. Premier Finance has the experience, skill, contacts and industry knowledge to be best placed to arrange your finance needs. We believe that in the interests of efficiency we should stick to our strengths whatever our vocation. After all, you have nothing to lose as Premier Finance does not charge for initial consultations.

Up to one hour of your time is the only investment you need make to discuss your goals with Premier Finance. From there, Premier Finance will analyse facts and data provided by you, research the appropriate market, in certain transactions, negotiate an attractive deal unique to you, provide a quote, and justify recommendations made. An application is then taken, further analysis of facts and data is undertaken, a proposal is submitted on your behalf to the lender and the approval and documentation process is managed right through until settlement.

Premier Finance will keep you updated every step of the way – we prefer to be communicatively proactive rather than being chased for feedback.

Where Premier Finance recognises areas that may warrant some attention such as taxation, estate planning, investment or legal, but are not legally qualified to provide such advice, we are well placed to refer you to the appropriate vetted professional. We place a high value in surrounding ourselves with the right people in life as well as business.

Q. What if my financial returns are not up to date?

A. This is not an insurmountable setback as Premier Finance is accredited with numerous lenders who are not insistent on seeing financial information. In some cases, you do not even need to declare an estimated income figure.

Q. Why would I refinance?

A. In our experience, the majority of home borrowers are paying excessive interest rates and fees. Many may have started on a honeymoon type rate, but are now coasting along on a standard variable interest rate where they could be doing much better.

Further, your personal circumstances may have changed such as starting a family, commencing a new business, looking to improve your property, change in marital status, moving home or you may be simply looking for a better deal.

Q. Can I access products through a broker that would otherwise be unavailable if I was to approach a lender directly?

A. The benefit of using a broker is that there will be lenders with exclusive fee specials from time to time and brokers such as Premier Finance have the ability to negotiate further discounts for strong applicants. The reality is that lenders know there are multiple loans per month to be referred from a broker as distinct from an individual applicant who may be borrowing once every few years. This means that Premier Finance and its clients are more likely to be favoured in terms of service, terms and pricing.