Morse Loan Solutions provide loans and finance to our clients for a wide range of purposes. If you’re curious as to why our clients continue to use us, or if you’re thinking about finding a loan yourself, here’s some background information to consider:

Why use a Mortgage broker?

To save you time and, most likely save money. A Mortgage Broker has access to many different lenders with a wide variety of different products that ensures that you get the right loan for your specific needs at the best possible rate.

Why not use my existing bank

Banks are in the business of selling money but they are limited in how many choices they can offer. In fact they will only show you loans from their own stable of products, or from an associated supplier. This can severely limit your chances of seeing or attaining the best available option.

What types of loans are available?

We can help you find the money, what you do with it is up to you. We can provide loans for business purposes, home purchase, investment properties, equipment finance, car loans and personal loans for any worthwhile purpose.

What is the difference between variable and fixed rate loans?

A variable rate moves in conjunction with the Reserve Bank lending rate, if this increases so does your interest rate and vice a versa. Meaning your repayments will increase or decrease with a change in interest rates. There are very few restrictions on lump sum, extra or early repayments.

Fixed rates are fixed for a set period of time (can be up to 10 years) and so are your repayments. Restrictions include:

• extra repayments and lump sums  are restricted to $10,000 per year without penalty.
• early repayment or changing terms of the loan could attract an economic loss penalty.

Fixed rate loans revert to current standard variable rate at end of the fixed period.

Whether you should choose fixed or variable is matter to discuss with your broker as these decisions are best made on a case by case basis.

Why should I use Morse Loan Solutions and not some other broker?

Morse Loan Solutions will meet you at anytime or anywhere to provide you with a loan at the best rate for your circumstances. We do all the necessary running around to complete the loan, from application to settlement, and provide regular contact to ensure the loan continues to meet your needs for the life of the loan. In addition Morse Group clients know that our advisors are aware of your broader financial and life goals and we will always act on your behalf, with one eye on your ‘bigger picture’. Having a range of taxation and investment experts down the hall is no bad thing either!

What do I need to do to make an appointment?

Simply contact any Morse Group office and register your interest.
Our loans officer will contact you direct to arrange an appointment that is most convenient for you.As a mobile broker the appointment can be at any place (your home, your work or any Morse Group office) and before, during or after work, whichever suits for you best.

What will it cost?

Our service is free to you.
We are paid a commission from the lender, only after the loan is settled.
This commission can include an upfront fee and a trail for the life of the loan.

Where do I sign?

If you’d like to know more about how we can help you get the finance you need, contact Glyn Crouch at Morse Loan Solutions on 02 6883 2200 or email glyn.crouch@morsegroup.com.au