INCA MORTGAGE SOLUTIONS

Mortgage brokers take the hassle out of finding and applying for a home loan. Rather than approaching a single bank, we compare mortgage products and lending policies from a range of lenders to help identify a loan solution that suits your individual circumstances, borrowing capacity and goals.Every lender has different criteria for assessing applications, so the options available to you can vary between lenders. We do the research for you, comparing loan options, rates, features and lending policies to help you make an informed decision.As the intermediary between yourself and the lender, we also manage the application process. This means you receive personalised support and guidance throughout the process, rather than a generic help desk.

Mortgage brokers give you access to a wider choice of lenders and loan options than you would be offered when dealing directly with a single bank. Rather than being limited to one lender’s products and criteria, we compare options across multiple lenders to find a solution that aligns with your circumstances and goals.As your mortgage broker, I take the time to understand your situation, explain your options and help you make an informed decision about your loan. I also guide you through the application and settlement process, liaising with the lender on your behalf to make the experience as straightforward as possible.At Inca Mortgage Solutions, we're here for more than just a single transaction and love helping our clients achieve their financial goals via a long-term partnership.

Yes, we love helping first home buyers and have a lot of experience working with clients in this space. We know purchasing a first home can be daunting. In addition to helping clients compare first home buyer loan options, we also offer extra education and support around the purchase process.

Our mortgage application service, which includes helping you nominate and apply for the most appropriate loan, is provided at no cost to you (as we receive a commission from your nominated lender). We do, however, charge a small upfront onboarding fee for our comprehensive borrowing capacity assessment ($220), given no commissions are received for this valuable service. Our onboarding fee isn’t about ‘extra charges’ - it’s a filter. We're a boutique mortgage brokerage that has a limited capacity for new clients so this helps us to check you're serious and value our time and expertise.

While our finance brokerage is based in Perth, WA, we can provide mortgage broking services to clients across Australia. We have helped a broad range of interstate clients, from first home buyers to relocating families as well as property investors. We extend the same holistic approach and commitment to personalised service to all our clients.

As a starting point you should have identification, payslips (salaried) or tax returns (self-employed), rental statements or appraisals (for investment properties) and details of any existing liabilities readily available. There may be further documents requested unique to your situation. Don’t worry, we’ll guide you through it step by step.

We are accredited with over 30 lenders including major banks, non-major banks and non-bank lenders. This enables us to find a solution for each of our clients' unique circumstances.

No, you do not get charged more if you use a mortgage broker to secure your property finance. You will get the same (and maybe even a better) interest rate when using a finance broker. How is this possible? Think of it as the lender outsourcing their customer service. A broker pre-qualifies the applicant(s) and matches the application to a lender's policy and product. As a result, the conversion rate for broker introduced loans is generally higher than for direct applications. As the lender is only paying the mortgage broker for successful applications, it is actually a very cost effective way for them to generate new business.

As a boutique mortgage broker, we operate a flexible service with both virtual or in-person options. We meet with clients at a time (often after-hours) and place that is convenient for them.

No, mortgage brokers are obligated to work in your best interests and we take this commitment seriously. The options we present are driven only by your needs and we do not favour particular lenders. In any case, the rates of commission are very similar across our lender panel so there is no financial incentive for us to do otherwise.

LMI can be avoided or minimised by saving a larger deposit, using a family guarantee or government guarantee scheme, or choosing a lender that offers LMI waivers (often for certain professions). At Inca Mortgage Solutions, we provide personalised advice to help you explore these options and reduce your LMI costs.

Pre-approval gives you an estimate of how much you may be able to borrow before you make an offer on a property and, in many cases, it is only a data-driven automated assessment. Formal approval, also called unconditional approval, is only provided once the lender has assessed your situation and your chosen property thoroughly. A pre-approval does not guarantee you will be able to achieve formal approval.