FAQ

Mortgage brokers have to work to Best Interest Duty; we always have to work for the best of our clients. A bank may be able to offer you a product but it likely won’t be the best product on the market available for the 90+ lenders in Australia. A mortgage broker will compare over 1500 products to find the best solution for your needs.

The costs applicable to you will vary depending on the lender and the application type. These are the typical costs we suggest to allow for but not all will apply to your circumstance.

• Deposit
• Stamp duty
• Foreign ownership surcharge
• Mortgage registration fee
• Transfer fee
• Lender fee
• Conveyancing/solicitor fee
• Building & pest inspection
• Buffer

For home buyers we recommend:

• Solicitor/Conveyancer – Transfer title and funds at settlement, analyses contract of sale and conduct title checks
• Building & pest inspector – When purchasing an established home to ensure there are no issues pending
• Building – When building a new home to help with the construction and ensuring you establish a budget early in the process

For developers and investors

• Accountant – To ensure your structure and finances are optimized for your strategy
• Real estate firm – Handle development pre-sales or ongoing property management

2K Finance have partners throughout Australia to assist in sourcing reputable professionals to join your team

After we’ve settled on your property or development, the team will check in on you after 3 months to make sure the chosen product meets your expectation and there are no issues you would like to clarify. 

We monitor the value of your property and available products to ensure your chosen loan option is still a competitive product. If we believe there is opportunity to request a discount with you existing lender, take advantage of lender offers including refinance cashbacks or another lender offers a more suitable product for your circumstances we will get in touch with you. You don’t have to worry about overpaying on your mortgage because 2K Finance are keeping up to date on your behalf.

We have over 80 lenders on our panel, ranging from the big 4 banks to private lenders. Depending on your goals we will find a lender and a product that will best suite your needs.

Yes! Though our head office is in Taylors Hill Victoria we work nation wide with many of our existing clients situated in states and territories from all around Australia. If you do prefer to speak to someone in person this can be arranged as we have a team of over 100 mortgage brokers spread all around the country and more than happy to take you out for coffee.