We Understand
We understand that buying a home in Kingscliff is a big deal. Whether you are escaping the rental rat race or upgrading, you still want the comfort from having a specialist look after you. Davies Home Loans has a Kingscliff Mortgage Broker that is ready to help you achieve your dream. As many areas around Kingscliff have relatively newly built homes, unknown costs can be hurting those people as the loan that was great for construction is nearly always not the best home loan in the long term. We understand that even when people are happy with their loan they just want to check what’s out there and we are willing to help you do this.
We know that when you start looking for a home loan, that the first thing you encounter is an industry pushing an interest rate, which can divert the focus away from you. Our Kingscliff Mortgage Brokers bring the focus back to you and what you hope to achieve. They will take time to understand your circumstances and make sure you get a loan that suits your needs and objectives. The final step is, of course, approaching the lender that suits you best to match or better the rate offered by its competitors. This way you get the best of both worlds, great product and great rate.
Serving Kingscliff & Northern Rivers
Kingscliff Mortgage Brokers helping you
Every industry nowadays has specialist software and home loans are no different. Our Kingscliff Mortgage Broker has access to over 1000 different loan products and our software is updated daily with different lender specials and policy changes. With this information we are able to enter specific details to search through the data and shortlist lenders that suit you. What makes us different is that we combine this with knowledge about you to help refine these further. We then present you with a comparison report showing the good and bad points of selected loans that is used as an initial discussion point to ensure we understand what you want. Doing this yourself, via the internet, will typically only reveal the favorable things about a home loan (bad news makes poor advertising). To truly discover everything about a loan, you would need to request and read countless product disclosure documents and terms and conditions booklets or purchase expensive software (as we have). With our Kingscliff Mortgage Broker on your team things become a lot easier for you.
More than just a home loan
So how does it all work? The first step is a phone call to us. We will then collect basic information about you in four main areas; your contact details, financial information, what you want from your future lender and what you want from your future loan. This takes about 15 mins and ensures that when you meet your Kingscliff mortgage broker arrives at your first meeting, they have already looked at what is available and printed a comparison report for you. This means that the first meeting is productive and does not waste your time. Meetings are available by video or in our Tweed Heads South office (near Bunnings).
You could just keep the comparison report and go direct to the bank of your choice without further help from us, but why would you? We do not charge a brokerage fee for our services, similarly the bank loan officer does not charge you for their wages, as both are paid by the lender you choose.
Kingscliff Mortgage Broker
As we education and property purchasing strategies. We understand that the home loan process can be confusing and there is nothing worse than discovering a better way after you have already spent your money. When you meet with us, it is like having visiting over 35 different lenders all at once. We understand your time is important and that you appreciate good service.
We look forward to helping you
No Cost to You
Davies Home Loans Mortgage Brokers do not charge a brokerage fee to help you. We can do this as we will get paid by the lender you chose. Unlike the loan officer in a branch that gets a salary, we invoice the lender under a commission model. Effectively the banks are outsourcing the loan officer job to us for your loan. Banks actually really need mortgage brokers help as they only hire enough loan officers to handle about 50% of all loans. Either way the bank pays, but with us, you get the option of many lenders and you get the convenience of us being right here in the Kingscliff area.
More than just a home loan
Our Banora Point mortgage brokers know that there is a lot to consider when financing property in Banora Point and with so many choices out there it can be daunting to work it all out. A simple 15 minute phone call, where we collect your basic information will allow us to conduct an analysis of your unique situation and reveal potential savings to you. Your Banora Point mortgage broker will provide you with a comparison report on competitive lenders matching your situation at our first meeting. You get to retain this information obligation free along with our expert advice and education on issues facing the area.
Kingscliff Area Profile
The size of Kingscliff is approximately 9 square kilometres. The population of Kingscliff in 2006 was 4,285 people. By 2011 the population was 6,400 showing a population growth of 49% in the area during that time. The predominant age group in Kingscliff is 0-14 years. Households in Kingscliff are primarily couples with children and are likely to be repaying between $1800 – $2400 per month on mortgage repayments. In general, people in Kingscliff work in a Professional occupation. In 2006, 52.2% of the homes in Kingscliff were owner-occupied compared with 59.6% in 2011. Currently the median sales price of houses in the area is 748,500.
Settlement history
Settlement of the area dates from the 1840s, with land used mainly for timber-getting and farming. Population was minimal until growth took place during the early 1900s. Significant development occurred from the 1960s. The population continued to increase from the early 1990s as new dwellings were added to the area.
Land use
North Coast – Kingscliff encompasses rural and growing residential and tourist areas, with some industrial land use. Rural land is used largely for dairy farming, fruit growing and crop farming.
We look forward to helping you. Please contact us to find out more about our 2487 Kingscliff mortgage broker services.
Testimonials
Julie McNeil20. March, 2023.A big thanks to Greg and his team for securing a reduced interest rate on my home loan.
Troy L28. February, 2023.Just wanted to thank you for your ongoing services throughout my continued loan process. Just opened your mail then and realised you had recently successfully negotiated a lower interest rate for me. Thank you as always for your professionalism.
Jennifer McDonald16. February, 2023.Almost 9 years ago Greg and his team were recommended to us for our first home loan. The support provided in navigating that life changing event surpassed all expectations and I’m very grateful to have had Greg on our side. Even more impressive is the constant updates and support we have had in continuing to keep our interest rate competitive in the current market. I highly recommend Davies Home Loans to anyone needing financial services. Thanks so much Greg!
cherie lambert19. January, 2023.Had our meeting, was very informative, will be continuing the loan process. Look forward to our next meeting.
Belinda Hyett18. January, 2023.The team at Davies Home Loans were excellent. Constant help along the way. Making the application and data gathering process and ease. Also the updates were appreciated. Now that we have found Davies Home Loans our opportunities are endless. The knowledge and network Greg provides, followed by the outstanding service of the office staff and the technology used. We are no longer scared of the borrowing process and sharing our thoughts or ideas for our future. We feel in safe, knowledgeable and caring hands.
Diana Teese3. January, 2023.Greg and all the team at Davies Home Loans continue to look after our best lending interests year after year. They have great knowledge of the industry and make themselves readily available to help with any questions big or small. They have just saved us $1109/year from one quick and easy request to our bank.
Jamin Nest22. November, 2022.Great service as always from the team, which at this time managed to save me just under 3k annually. This team has stayed true to their word over the years and has continued to provide ongoing support to its existing clients.
Paul Williams31. October, 2022.I definitely recommend Greg Davies Home Loans, who helped us secure a construction loan for our home build. The post-Covid landscape was radically shifting during our application phase and their knowledge was invaluable in navigating this and adapting our application's specifics. A cannot express how important it is to use a Broker to ensure the outcome that you need!
CleleRB White5. September, 2022.I have been with Davies for many years now. They are so professional and their after service care is exemplary. I don't ever have to ask and they review my loan, contact the bank and negotiate a lower rate anytime there is a change (such as fixed to variable). Then they let me know! Couldn't recommend more.