At Collins Home Loans, we are committed to excellence in the delivery of our financial products and services, through the best relationship management outcomes for our clients and partners.
We value personal service and our customers’ needs above anything else. That’s why we understand your need to call and speak directly with a real expert who has extensive knowledge about our products and services. Our personalised approach will ensure that you will get the best-structured loan across all areas of mortgage finance.
Since starting out in 1992, Collins Home Loans has been focussed on bringing competitive home loan products to its customers. Initially, this was via our own competitive product line but today we offer mortgage broking services on behalf of other lenders, plus car loans, insurance and business lending.
We operate some of the most progressive and innovative options for managing your loan online, 24 hours a day. Our Internet management options are the best in the business, and are extremely easy to navigate; this ensures that you can manage your loan when it suits you.
As well as our competitive pricing policy, we are also committed to delivering flexible products in a way that suits your lifestyle. For example, you can choose a loan that gives you debit and credit card facilities through the Automatic Teller and EFTPOS networks or selects a loan with a simple redraw facility to access additional funds paid to your loan from time to time at a lower rate. Compare our rates to the competition’s, and discover that a competitive interest rate isn’t the only thing you will benefit from when you choose Collins.
As a Mortgage Broker, we are paid directly by the lender for introducing the loan. They charge a fee for our service, which is a small percentage of the loan amount, generally between 1% and 2%. We will usually ask for a portion of this amount to be paid upfront and then the balance at the time of unconditional approval. We may also be required to charge a Clawback fee, if the loan is discharged/paid out within the first two years from the settlement date. Full disclosure of all fees and charges will be made when the loan is quoted for by the Mortgage Broker.
A comparison rate is a tool used to help explain the true cost of a loan. It factors in the interest rate, fees and charges and displays a single percentage rate that can be used to compare various loans from different lenders.
A comparison rate is based on a loan amount of $150,000 over a loan term of 25 years.
It is important to note that a comparison rate is true only for the example given and different terms, fees or other loan amounts might result in a different comparison rate.
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