Mortgage Professional Australia’s Post

BREAKING NEWS: MPA is delighted to reveal the best mortgage companies to work for in Australia, with the release of its Top Mortgage Employers 2024 report. To identify the 25 best mortgage employers in Australia, MPA invited organisations to participate in a detailed survey outlining their offerings and workplace practices. Employees from these nominated firms filled out anonymous survey, rating their satisfaction on critieria including compensation, workplace culture, development opportunities, and the overall work environment. Only firms which received a satisfaction rate of 80% or higher were named top mortgage employers. Among the winners were FBAA, Finsure and La Trobe Financial. https://lnkd.in/gf5dbyDy To see the full list of winners check out the Top Mortgage Employers 2024 report: https://lnkd.in/g5B6-F9m #bestemployers #bestworkplaces #mortgageindustry #topemployers #mortgagebrokers

We’ve done it again 🤩 For a second year running… Mortgage 1st has been named as a Top Mortgage Employer🏆 Mortgage Introducer has published its annual list of the best mortgage employers in the UK.... and we’re one of them alongside only 7 other Mortgage Broker Firms!! To determine the top mortgage employers for 2024, Mortgage Introducer invited companies to submit detailed information regarding their employment practices. This was followed by an anonymous employee survey that evaluated the workplace based on eight criteria. Gold, silver and bronze medals are awarded to the top three companies in each category based on overall employee satisfaction. Mortgage 1st were awarded- 🥇Gold for Innovation, Benefits & Compensation 🥈Silver for Culture, Reputation, Advancement & Sustainability 🥉Bronze for Diversity, equity & Inclusion. We’re extremely proud, particularly as this was decided upon by an anonymous employee survey ☺️ To view the full report 👉 https://lnkd.in/eENtV3aS #topmortgageemployer

Little things can make a big difference 🤝 Applying for a mortgage can be challenging for clients who are self-employed - that's why we do more to help. Here are a few scenarios outlining how our approach can better support your self-employed clients👇 https://bit.ly/42K5c06 #selfemployed #mortgagelender #intermediary

🔑 Understanding the Challenges: CIS Mortgages for the Construction Industry 🔑    At Mortgage To Home, we know that securing a mortgage as a contractor or subcontractor in the Construction Industry Scheme (CIS) can be uniquely challenging. Our specialized team is here to turn these challenges into opportunities, helping you achieve your homeownership dreams.  🚧 Common Challenges for CIS Workers: Irregular Income: Traditional lenders often struggle to understand the variable income patterns typical of the construction industry. This can make proving your financial stability more difficult.  Short Employment History: Many CIS workers move between projects frequently, leading to gaps in employment history that can be a red flag for conventional mortgage providers.  Self-Employed Status: CIS workers often operate as self-employed individuals or limited company contractors, complicating the process of income verification compared to salaried employees.  Complex Financial Documentation: The construction industry involves intricate financial documentation, including invoices, contracts, and deductions, which can be challenging for standard lenders to navigate.  🏠 How Mortgage To Home Can Help: 🌟 Expert Knowledge: Our team specializes in CIS mortgages and understands the intricacies of the construction industry. We know how to present your financial situation in the best light to lenders. 🌟 Tailored Solutions: We work with a network of lenders who are familiar with the CIS scheme and more flexible in their lending criteria, ensuring you get the best possible mortgage terms. 🌟 Comprehensive Support: From gathering the right documentation to negotiating with lenders, we provide end-to-end support to make the mortgage process as smooth as possible. 🌟 Personalized Advice: Every client’s situation is unique. We take the time to understand your specific circumstances and offer advice that is tailored to your needs. Our goal is to simplify the mortgage process for CIS workers, turning potential obstacles into stepping stones. Whether you’re a first-time buyer or looking to remortgage, we’re here to make your journey to homeownership as seamless as possible. 🔗 Contact us today to find out how we can help you overcome the challenges and secure your dream home! #CISmortgages #ConstructionIndustry #MortgageChallenges #HomeBuying #MortgageExperts #YourCompanyName 

🏠 "𝗖𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗳𝘁𝗲𝗿 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗮 𝗻𝗲𝘄 𝗷𝗼𝗯?" ℹ️ CASE STUDY - In a recent conversation with a couple who were looking to purchase their property, we stumbled across the most widely misinterpreted bit of criteria, and that's the length of time in employment. Our clients believed that they couldn't use one of their incomes as they hadn't been employed long enough after changing jobs, so it had to be in a sole name. We probed a bit deeper and found out the client actually changed employers last month, to a totally different sector, and had been told by family/friends that they wouldn’t be able to use this income. This is totally wrong ❌! As they were on a permanent contract, we could use that income, which meant that we were ready to go right away! In fact, even if you’re changing jobs, as long as you’ve got a permanent contract starting within the next 3 months, some lenders can use this income; so don’t wait! Get in touch today and we’ll guide you through the mine field of mortgages! Revilo Financial - Welcome to a new and simplified journey to Mortgages & Protection. ☎️ - 01706 509239 📧 - [email protected] 💻 - www.revilofinancial.co.uk #mortgages #insurance #movinghouse

💼 How Does Your Employment Type Affect Your Mortgage Application? 🏡📊 Embarking on a mortgage journey? Your employment type plays a significant role! Let’s break it down: 1️⃣ Permanent Full-Time: 🔹 Stability is Key: Seen as low-risk due to steady income. 🔹 Easier Documentation: Regular payslips and employment history simplify the process. 2️⃣ Contract or Part-Time: 🔹 Consistency Matters: Lenders look for stable, consistent earnings. 🔹 Varied Income: You may need to provide additional proof of earnings. 3️⃣ Self-Employed: 🔹 Detailed Records: Expect to show tax returns and business accounts for at least 2-3 years. 🔹 Profit vs Salary: Lenders consider your net profit, not just your salary. 4️⃣ Zero-Hour Contracts: 🔹 Income Proof: Demonstrate a consistent earning history. 🔹 Additional Scrutiny: Lenders may be cautious, requiring more proof of financial stability. 📝 Remember: Each lender has different criteria. Your employment type affects how they view your income stability and ability to make repayments. 👩💼 Seek Professional Advice: A mortgage advisor can guide you on how to best present your employment status to lenders. Your job matters in your home-buying journey! 💡 #MortgageTips #EmploymentTypes #HomeLoanAdvice #UKMortgages Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FR

🤕 Do you know what employee benefits you'd receive if you couldn't work? 🤷♀️ 🤷♂️ Not many of us do. Even fewer of us know if our benefits would be enough to look after our families, or pay our rent, if the worst should happen. ✅ We can help by reviewing your existing benefits package and building on this foundation if you need more cover. We can't stop the worst from happening but we can help eliminate the risk of you losing your home. 📞 ✉️ Get in touch to learn more about how we can help you 𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲. Approver Quilter Wealth Limited, Quilter Financial Limited, Quilter Financial Services Limited & Quilter Mortgage Planning Limited. Quilter Financial Planning Solutions Limited. 2024

🔑𝐏𝐚𝐫𝐭𝐧𝐞𝐫𝐢𝐧𝐠 𝐟𝐨𝐫 𝐒𝐮𝐜𝐜𝐞𝐬𝐬 - 𝐀𝐥𝐰𝐚𝐲𝐬 𝐢𝐧 𝐘𝐨𝐮𝐫 𝐁𝐞𝐬𝐭 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭🔑 As mortgage brokers, you’re in the business of helping clients secure the best financial outcomes, ensuring that every recommendation is carefully aligned with their unique needs and long-term goals. You are trusted advisers, always putting your clients' best interests first, even when the path isn’t the easiest one to follow. At FinTalent we see a strong parallel between your work and what we do every day as recruitment specialists in the mortgage broking space. 💡 𝐇𝐞𝐫𝐞’𝐬 𝐡𝐨𝐰: Just as you take the time to understand each client’s financial situation before recommending a mortgage product, we take the time to understand the unique needs of your business, culture, and goals before presenting you with top-tier candidates. Our commitment is simple: 𝐖𝐞 𝐚𝐜𝐭 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐛𝐞𝐬𝐭 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭, just as you do for your clients. Whether you're expanding your team, seeking top talent, or need the right fit to drive growth, we’re here to help you succeed. 📈 𝐓𝐡𝐞 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 𝐨𝐟 𝐏𝐚𝐫𝐭𝐧𝐞𝐫𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐔𝐬: ✅ 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐬𝐞𝐝 𝐒𝐞𝐫𝐯𝐢𝐜𝐞: Just as you offer tailored mortgage solutions, we offer personalised recruitment strategies that match your business needs. ✅ 𝐋𝐨𝐧𝐠-𝐓𝐞𝐫𝐦 𝐒𝐮𝐜𝐜𝐞𝐬𝐬: You don’t just want a one-off solution for your clients — you want to set them up for lasting success. The same applies to our partnership: we focus on delivering long-term value and building lasting relationships. ✅ 𝐄𝐱𝐩𝐞𝐫𝐭 𝐊𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞: We understand the mortgage industry inside and out. Just as you’re the experts on mortgages, we’re the experts in matching the right brokers to the right opportunities. In a world where success depends on getting the right advice and building the right relationships, let’s work together to ensure you're positioned for ongoing growth and success. 🔗 Let’s have a chat about how we can partner to help you grow your team and achieve your goals. #MortgageBrokers #Recruitment #BestInterest #MortgageIndustry #TalentManagement #SuccessPartners #HiringTheBest #RecruitmentAgency #MortgageBroking

🔑𝐏𝐚𝐫𝐭𝐧𝐞𝐫𝐢𝐧𝐠 𝐟𝐨𝐫 𝐒𝐮𝐜𝐜𝐞𝐬𝐬 - 𝐀𝐥𝐰𝐚𝐲𝐬 𝐢𝐧 𝐘𝐨𝐮𝐫 𝐁𝐞𝐬𝐭 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭🔑 As mortgage brokers, you’re in the business of helping clients secure the best financial outcomes, ensuring that every recommendation is carefully aligned with their unique needs and long-term goals. You are trusted advisers, always putting your clients' best interests first, even when the path isn’t the easiest one to follow. At FinTalent, we see a strong parallel between your work and what we do every day as recruitment specialists in the mortgage broking space. 💡 𝐇𝐞𝐫𝐞’𝐬 𝐡𝐨𝐰: Just as you take the time to understand each client’s financial situation before recommending a mortgage product, we take the time to understand the unique needs of your business, culture, and goals before presenting you with standout candidates. Our commitment is simple: 𝐖𝐞 𝐚𝐜𝐭 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐛𝐞𝐬𝐭 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭, just as you do for your clients. Whether you're expanding your team, seeking top talent, or need the right fit to drive growth, we’re here to help you succeed. 📈 𝐓𝐡𝐞 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 𝐨𝐟 𝐏𝐚𝐫𝐭𝐧𝐞𝐫𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐔𝐬: ✅ 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐬𝐞𝐝 𝐒𝐞𝐫𝐯𝐢𝐜𝐞: Just as you offer tailored mortgage solutions, we offer personalised recruitment strategies that match your business needs. ✅ 𝐋𝐨𝐧𝐠-𝐓𝐞𝐫𝐦 𝐒𝐮𝐜𝐜𝐞𝐬𝐬: You don’t just want a one-off solution for your clients — you want to set them up for lasting success. The same applies to our partnership: we focus on delivering long-term value and building lasting relationships. ✅ 𝐄𝐱𝐩𝐞𝐫𝐭 𝐊𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞: We understand the mortgage industry inside and out. Just as you’re the experts on mortgages, we’re the experts in matching the right brokers to the right opportunities. In a world where success depends on getting the right advice and building the right relationships, let’s work together to ensure you're positioned for ongoing growth and success. 🔗 Let’s have a chat about how we can partner to help you grow your team and achieve your goals. #MortgageBrokers #Recruitment #BestInterest #MortgageIndustry #TalentManagement #SuccessPartners #HiringTheBest #RecruitmentAgency #MortgageBroking Joe Shephard

Are you looking to buy a new home, is your fixed rate period coming to an end, are you looking to get into property investing? As a real life independent mortgage and protection adviser I’m not affiliated with any financial institutions or lenders, so I always strive to provide you with expert and impartial advice that is best suited to your unique situation. Having a conversation doesn't cost anything, so lets have a chat and see how I can help you. #protectionadviser #independantmortgageadvice #grouplifecover #businessprotection #incomeprotection #lifecover #criticalillnesscover #SygmaFinancialServices #clientfocusedsolutions