Resources

Knowledge is power and we aim to put your fingertips. At SF Capital our goal is to give you the keys to your decision making even before we meet. Browse our library of useful downloads and links, read our Frequently Asked Questions and use our Calculators

FAQ

Why use SF Capital?

SF Capital is an award winning Mortgage Broking firm that provides a full suite of residential and commercial lending services. While many mortgage brokers may claim this our key points of difference are:

  • We can handle large and complex transactions where other brokers would be too lazy, unwilling or unable to find a solution
  • We single-mindedly focus on approving your loan in one go and giving you the best service experience possible. SF stands for “Service First”
  • We team extremely well with your other advisers – accountants, solicitors, financial planners, real estate agents – to give them a great experience as well
  • We focus on providing education and advice that adds value to your requirements, rather than being a transactional salesperson looking to ‘close the deal’

See Why Us to read more about our points of difference.

What does a Mortgage Broker do?

A mortgage broker is a professional adviser that finds you the best loan for your financing needs. ‘Best’ is often more than just price, but can mean loan amount, loan features, loan structure, and most importantly, the ability of the lender to accept your unique scenario.

An exceptional mortgage broker should be focused on delivering three main things.

  1. Understanding your requirements and solving your scenario
  2. Opening up the market for you and giving you choice
  3. Managing the process for you so you can focus on the most important decisions, not the distractions

See our Expertise pages to read more about the services we offer.

Why should I use a Mortgage Broker rather than go directly to a bank?

Using a Mortgage Broker has many distinct advantages to going directly to the bank. These advantages include:

Extensive product and lender choice. In turn, this gives you access to better rates, unique products, and more flexible policies.

Top brokers are problem solvers and know the policies of many banks, not just one. This means you will find a home for your scenario where your bank might get stuck.

Brokers offer more personalised service and are available when the bank is shut. You can pick your broker, but often you can’t pick your banker!

For complex loans and commercial loans, especially property development, banks also prefer to work with brokers because they know how to structure and package a deal where a client would have no time or get stuck

Often your branch based banker will change jobs, switch banks or get promoted, meaning you will be referred to a new banker who has to relearn your scenario each time. A mortgage broker usually stays with you for as long as they remain in the profession, and this is especially true where they are the principal of the business or accredited with a specific firm.

How does a Mortgage Broker get paid for their services?

A Mortgage Broker is paid a fee from the bank for successfully settling your loan. This fee is usually a percentage of the loan size.

Because a mortgage broker is only paid on success, they are very incentivised to provide you with the very best service possible. This means a broker will need to provide you with expert advice, prepare and submit your application, and manage your loan through to settlement before they are remunerated.

Only in very unique situations, such as a small loan sizes, complex loan scenarios or commercial lending, will a Mortgage Broker charge you as the client a fee-for-service or an additional success fee.

COMPLIMENTARY ASSESSMENT

This can be done on your mobile and takes a few extra minutes to complete depending on the nature of your enquiry. Completing an enquiry will allow us to more accurately assess your scenario, and provide a personalised response when we first contact you. Submitting a detailed enquiry is recommended for more serious clients looking to purchase or refinance in the next 3 – 6 months.