Money Brain works out what your loan is actually costing you against what it would cost somewhere else, and tells you the difference in plain numbers.
Comparing options across
Access to more than 60 lenders through Connective
We put your options side by side, explain the trade-offs in plain words, and manage the paperwork so you can choose with confidence.
Your rate was competitive when you signed. Lenders price new customers better than existing ones, so the gap widens quietly every year. We work out what that gap is worth to you, in dollars and in hours of your working life, and whether moving is worth the cost of moving.
The deposit rules are not what most people are told. Government schemes, family guarantees and profession waivers each change what you need, and they stack differently at every lender. We work out which ones you qualify for before you start looking, so the budget is real.
A long list of professions can borrow past the usual deposit limit without paying lenders mortgage insurance. The lists are shorter and stranger than people expect, and no two lenders agree. We hold the current documents.
How a loan is structured decides whether you can buy again. Cross-securing, the wrong ownership name, or an interest-only term ending at the wrong time will each stop a portfolio dead. We structure the first one for the fourth one.
Equity is only useful if a lender will lend against it. We work out what is genuinely available, what it would cost to access, and whether the purpose you have in mind is one a lender will fund.
Two years of returns, one year, an accountant's letter, an add-back a lender will accept or will not — the rules differ at every one. Getting this right first time matters more here than anywhere else, because a declined application is on your file.
A loan that was right three years ago may not be now. We review every client's loan on a clock, not when they happen to think of it, and tell them plainly when there is nothing worth doing.
Every figure traced back to the document it came from.
Lender policy read from the lender's own current documents, not from memory.
One recommendation, with the reasons it beat the others written down.
A loan application is about forty decisions, and almost all of them are made before anything is submitted. Which lender, in whose name, on what structure, with which documents — each one is worked out against that lender's current policy rather than against a general impression of it.
Our calculators show what your current loan costs against the alternatives, converted into hours of your working life rather than an abstract figure.
Several lenders waive mortgage insurance for particular professions. The lists are current, dated, and taken from the lenders' own documents.
A short conversation, no obligation, and an honest answer including when the answer is that you should stay exactly where you are.
Money BrainI had spoken to several brokers before, but none offered the depth of knowledge and genuine care that Money Brain did.
Money BrainMoney Brain took the stress out of property investing. Darren explained complex finance strategies in a way I could actually understand.
