Home Loans - Buying or Selling

We aim to keep it simple.
 
Here at Black & White Mortgages we find you the best home loan deal for your needs freeing you up to focus on finding the right property to purchase.
 
Our job is to do the shopping around for you and secure your loan approval in a timely manner while. you get the home you want. We take away the stress and assist you through the process and help with all aspects of your loan structure such as interest rates, loan type, repayment options and can show you ways to pay off your mortgage faster.
 
Two important facts you should know:

1. We are a totally FREE service.  We are paid by the banks and lenders and there is no hidden costs to you in anyway.
2. Due to a fantastic and ongoing relationship with the banks and lenders we can negotiate on your behalf. This often results in securing a much better rate or package than you may have achieved by going directly to the bank.

This all means you save time and money. That easy!

What should I expect? 
When we work with you, we will:

• Calculate your exact borrowing capacity, so you know what you can afford and can spend
• Take you through each step of the home loan process, guide you, advise you and support you along the way
• Help structure your loan
• A hassle free home loan approval experience

What do I need to bring? 
Below is a list of information you may need to initially provide when applying for your loan. Some lenders may ask for additional information depending on your individual situation. We will advise you what is needed as you proceed through the home loan application process.

• Valid ID (Passport/Drivers license)
• Last 3 months bank statements
• Last 6 months mortgage statements
• Last 3 months of any credit card, hire purchase or personal loan statements
• Evidence of income
• Savings statement (evidence of deposit if applicable)