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About2020-07-25T08:06:48+10:00

Brief of what we do

Whether you’re looking at purchasing a new home, investment property, or wishing to lower interest rates and payments on existing loans or mortgages, we have the solutions to help. Even with less than perfect credit, we have options to get you approved!

We help you ask the right questions, compare mortgage rates and privileges, design a mortgage based on your needs, and understand how to make your mortgage work for you.

At JadeTree, our customers are at the center of everything we do. We pride ourselves on our responsiveness to your inquiries and work to make the mortgage application process as simple as possible. Understanding your mortgage options can be complex. It’s our goal to make sure you have everything you need to make the right choices.

We understand that mortgages aren’t a one size fits all proposition. We’ll search for the mortgage that’s exactly right for you.

When you contact us, there’s no high pressure sales pitch or demand for a quick decision. Even if you don’t know what you need, we’ll help you figure it out. We’re your mortgage helper and we’ll assist you in finding the best solution, every time.

About Our Name ‘JadeTree’

JadeTree is symbolic for growth and prosperity which aptly represents our wish for you.

Our Fees

We never charge fees to close your mortgage. We are paid a commission (which we disclose to you) by the lender you choose.  We aim to save you money, taking the time to individually negotiate the best available rate rather than simply accepting the standard rate on offer.

Lender Accreditations & Broker Associations

We have access to more than 25 lending institutions including banks, credit unions and building societies to ensure we are able to provide just the right mortgage solution for your needs today and tomorrow. Our partnerships with these lenders give us access to excellent rates for a variety of mortgage products. We don’t favour any lenders – we only care about finding you the perfect mortgage.

We are a certified member of the Finance Brokers Association of Australia (FBAA) and adhere to the FBAA Code of Practice. This code ensures strict professional standards are set and maintained. We operate under ethical and fair business practices at all times.

Select from over 25 different lenders offering hundreds of mortgage products

Our Commitment

Client’s First

We will always put you first. We don’t work for the realtors, we don’t work for the lenders, we work for you. We will recommend you a mortgage that suits you, not just once, but every time you need to review your mortgage to ensure you are always getting a great deal.

Privacy

We respect your privacy. We will handle all sensitive information confidentially.

Integrity

Trust is the key ingredient to any great relationship; we work on building trust through absolute honesty, sincerity, open and transparent communication. We will disclose and manage conflicts of interest.

Exceptional Service

We strive to  provide the highest levels of service to our clients and in doing so, help them to secure the right lending solution for their situation.

We treat every clients’ need as a priority. We want you to feel comfortable with the process and confident with our services.

Competence

We will maintain and regularly update our skills and knowledge necessary to provide professional services competently.

About Smriti

My Credentials: 

I have worked in Financial Services sector for over 10 years. Beginning with a university degree in Finance and a specialized MBA in the field, I was always passionate about the finance industry. I acquired my first skills in the highly volatile work environment of an international bank, Bank of Nova Scotia. From there, I worked with an insurance brokerage firm helping clients with their Insurance solutions. I have worked internationally in the global economy of India, the UK and am now operating from Melbourne, Australia.

I have completed a Diploma of Finance and Mortgage Broking Management. I am an accredited member of the Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA). I also carry Professional Indemnity Insurance for your peace of mind.

My Passion: 

My ultimate goal is to help you make your dream of home ownership come true in an effortless manner. Whether you are a first time home buyer or an Investor or looking to refinance, I am here to make the transaction as smooth and stress free as possible. As I work with a lot of first time homebuyers and clients who are new to Australia, I understand the unique challenges in getting financing for them.

The mortgage industry is constantly changing with rules, products and regulations. There never is one-size-fits-all and it requires attention to detail. I love staying ahead of the curve and tailoring the mortgages to each situation. In the end I aim to be your go-to-girl.

If you are looking for a mortgage expert who is dedicated to excellent customer service, is transparent and straightforward and will do the best for you then please consider contacting me. I would love to work with you!

Why Us?

We put You first! We don’t work for the realtors or the lenders, we work for You. We aim to find a solution appropriately suited to finance the most important investments of your life.

Expert: We understand the intricacies of the mortgage market and factors that influence it. We want you to know exactly what you're getting into.
Personal: Every client has different circumstances. Our service is engineered around what you want to achieve.
Choice: Our relationship with multiple lenders ensure that we provide ideal mortgage solution for your needs today and tomorrow.
Flexible: Face to face, over the phone or online. We work the way that suits you.
Proactive: We keep you updated about your loan as well as the market.
Fast & Complimentary: Apply online in minutes. And it's all Complimentary.

WHAT WE DO

We recognize that getting a mortgage can be complicated and confusing, not to mention intimidating. We are glad to be your guide through the process. Besides finding you the right mortgage , we also provide thorough information and offer resources to help you make the right decision. We're your mortgage helper and we'll assist you in finding the best solution, every time.

Understand your Current Situation & Objectives:

Our 1st steps is to learn about your personal circumstances, your needs and objectives behind getting a loan as well as your longer term financial goals. This helps us in finding the right lending solution for your situation.

We answer any question you have and ensure that you understand the answer in its entirety. We're dedicated to providing you with all the information you need to make a well informed decision on your mortgage financing needs.

Do a Preliminary Assessment:

Once we are reasonably confident that we can assist, we'll ask you to complete our paper or online application. We'll also require supporting documents such as your ID, pay slips and bank statements. This allows us to give you a quick and accurate assessment.

The preliminary assessment is a very detailed process where we identify any possible problems from a lending point of view. We'll also calculate your borrowing capacity.

Compare 100s of Loans for You:

We can assess over 100 products from 25 lenders for each client we work with. By using your unique information, we can identify the suitable options available.

We help you make an educated buying decision by researching and filtering  through the best mortgage lenders and products that will best meet your needs, at the most favourable rates and terms available.

Structure your Loans:

After the preliminary assessment, we recommend upto 5 loans that are most suited to you. The recommendations we make will always be clear, transparent, and based on sound financial logic. You’ll be able to compare each loan option and assess various rates, features, fees and charges to identify what’s right for you.

We’ll also discuss your exact borrowings & repayments with you and answer any questions that you may have.

Liaise with various parties and help you with Paperwork:

Once you finaliase the most appropriate lender and loan product, we then begin the loan application process. We will help you to complete the necessary paperwork and liaise with the lender on your behalf.

Regular Review of your Portfolio:

Our service doesn’t end once your home loan settles. We will stay in touch to make sure your home loan is the right solution for you needs now and in the future.

We will provide ongoing help to you, long after you have settled your loan.

During these opportunities, we will be able to help you by:

  • Reviewing your interest rate.
  • Switching loan products (if required).
  • Discussing any hardship or potential problems with your loan. This is to make sure that you are getting the most out of your loan.

As your broker, we will provide you with all the information, sound advice, and assistance you need, every step of the way.

Let’s get started. Contact us today for a complimentary consultation.

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