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Dependable Financing When You Need It

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At LJ Finance Capital we review offers from a panel of over 30 providers to ensure that we always recommend the most competitive and appropriate products to suit your needs and objectives.

Some of our Lenders

Why should you use a broker verse going to the bank directly?

Access to Multiple Lenders: Mortgage brokers have relationships with various lenders, including banks, credit unions, and non-bank lenders. This means they can provide you with a wider range of loan options than what a single bank might offer.

Comparison Shopping: Brokers can help you compare different loan products and interest rates from various lenders. This can save you time and effort in researching and contacting multiple banks on your own.

Tailored Recommendations: A broker can analyse your financial situation and goals to recommend loan options that best suit your needs. They can help you find loans with terms that align with your specific circumstances. And can guide you through the application process, explaining complex terms and helping you understand your options.

Negotiation: Brokers have experience negotiating with lenders to secure competitive rates and terms on your behalf. This can potentially lead to better loan terms compared to what you might secure on your own.

Convenience: Brokers handle much of the paperwork, communication, and coordination between you, the lender, and other parties involved in the transaction, making the process more convenient for you.

Specialised Situations: If you have a unique financial situation, such as being self-employed or having a non-traditional income source, a broker may have access to lenders who specialize in these cases.

Credit Challenges: If you have a lower credit score, a broker might be able to connect you with lenders who are more lenient with credit requirements, potentially increasing your chances of approval.

Saves Time: Searching for the right loan can be time-consuming. Brokers can streamline the process by presenting you with options that match your criteria, saving you time and effort.

When considering a mortgage, one of the key decisions you'll face is choosing between a fixed rate and a variable rate. Each option has its own advantages and considerations, and understanding the differences can help you make an informed decision.

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