Vishal Bagga-Mortgage Broker

Vishal Bagga-Mortgage Broker we are committed to deliver the cheapest rates and negotiate with lenders for our clients.

WE DELIVER VARIETY OF LOANS:
FIRST HOME BUYERS
PAYG
REFINANCE SERVICES
BUSINESS LOANS
PERSONAL LOANS
CAR LOANS

Our main aim is to work in clients best interests.

31/12/2023

Happy new year 2024.

To all my friends and family members.

May god bless you all and enjoy yourself to the most and may you all achieve whatever you admire.

And may gods watch over you lovely people 🥳

Happy new year 🥳 folk’s
01/01/2022

Happy new year 🥳 folk’s

Summer is almost here so it's the perfect time to give your finances a spring clean. Whether you're looking to consolida...
20/11/2021

Summer is almost here so it's the perfect time to give your finances a spring clean. Whether you're looking to consolidate credit card debt, renovate your home or purchase your new car, our team can help give your finances a spring clean.

Our partners offer a fast, simple, online application process and access to funds typically within 48 hours. Don�t delay, get in touch today!

Are you protecting your bank and leaving yourself vulnerable?Did you feel a sense of relief when you finally sorted out ...
19/11/2021

Are you protecting your bank and leaving yourself vulnerable?
Did you feel a sense of relief when you finally sorted out all of the details and contracts for your loan? You took out home and contents insurance, you arranged for a cheque to cover the last few costs at settlement.
And you saw the paperwork for the Lenders Mortgage Insurance so you're all covered in case you can't repay your mortgage, right? Wrong!
Many borrowers make the tremendous mistake of assuming that Lenders Mortgage Insurance is their safety net in case of unexpected circumstances. This mistake could cost you the farm, and maybe even a few chickens.
LMI
Lenders Mortgage Insurance (LMI) is designed to protect your lender or your bank - not you. Unless you were able to fork over more than 20% of the purchase price, chances are your lender would have required you to talk out LMI.
LMI doesn't provide any assistance to you if you become unable to repay your mortgage. It won't kick in if you break your leg, or if you suddenly lose your job. LMI will not provide for your family in the event of your untimely death.
Lenders Mortgage Insurance is just that - insurance for your lender. This is designed to protect your lender in case you don't make your repayments. If the lender is forced to sell your property in order to recover their money - they want to make sure that they won't lose out if the selling price is not as much as what you paid. This is especially relevant if you only paid a small deposit.
Personal Insurance
There are an enormous variety of insurance products on the market that protect you from all sorts of misfortune.
Life Insurance will provide financial assistance to your family in the event that you suddenly pass away or become permanently disabled. There are many insurers out there so it's worth comparing lots of different Life Insurance products to make sure you're getting a good deal.
Income Protection Insurance is a safety net in case you become unable to work due to illness or injury, and sometimes because of involuntary redundancy. This can be very helpful for those who are self-employed - would you be able to keep up your loan repayments if you weren't working for a few months?
Trauma or Crisis insurance is another option that you can investigate, which will help you out in a variety of sticky situations.
The important thing to understand is - you have plenty of options. There are lots of insurance products out there that protect you from the unexpected. But LMI is not one of them - unless you're a lender.

HAPPY DEEPAWALI TO ALL MY FRIENDS , near and dear ones.
04/11/2021

HAPPY DEEPAWALI TO ALL MY FRIENDS , near and dear ones.

Happy Deepawali……to all of you ,may the lord of whole universe fills your entire kingdom with light and happiness. Worri...
04/11/2021

Happy Deepawali……to all of you ,may the lord of whole universe fills your entire kingdom with light and happiness.

Worries, fear and anxiety must leave today.

Again a very HAPPY DEEPAWALI. To all my friends, near and dear ones.

The First Home Buyers/ Investors, it is great time to save $$$.Record Low Interest Rates are attractive and can not only...
13/10/2021

The First Home Buyers/ Investors, it is great time to save $$$.

Record Low Interest Rates are attractive and can not only save you rent; it may also make your life easy and you may have your own lovely home for the life.

For more information reach out to us via email/text or simply give us a call for scenario discussion and your borrowing consultation. it is always good to have our home work ready before exploring the market and to stay within budget.

It is the great time for First Home Buyers and Investors.First Home Buyers can not only save Stamp duty but can also sav...
04/10/2021

It is the great time for First Home Buyers and Investors.

First Home Buyers can not only save Stamp duty but can also save LMI if they book and apply for their FHLDS spot now. For existing Properties there is waiting, but for the off the Plan Properties spots are available.

Interest Rates are record low and chances to grow your Property Portfolio is high investors .

Are you unsure how much equity have you built over time? and how can you withdraw it for Reinvestment?

Think smartly and Spend wisely. We work for Our clients best Interests. For each individual scenario; The Products and Rates may vary .Terms and Conditions apply.

Are you a First Home Buyer?Refinance?Investor?PAYG?Self Employed?Good Credit Scores?Have questions running in mind about...
24/09/2021

Are you a First Home Buyer?

Refinance?

Investor?

PAYG?

Self Employed?

Good Credit Scores?

Have questions running in mind about loans, rates and repayments?

We have great suitable deals for the right and eligible clients. Please be advised the interest rates are record low, do not miss the opportunity to built your own place to live.

We can help you to get through the process of getting loan most suitable for you and in your best interest. T&Cs apply.
Below is educational material in regards; interest rates type and how loans work.

How does a fixed rate loan work?
Fixed interest rate loans are loans in which the interest rate charged on the loan will remain fixed for that loan's entire term, (from 1-5 years or depends on the lenders time terms), no matter what market interest rates do. Whether the rates rise or falls it is not going to affect your payment plan, this will result in your payments being the same over the entire term you are locked your rate with the lender.

What loans have fixed rates?
You may be able to get a fixed interest rate on various types of loans, including, mortgage loans, auto loans, and home equity loans or home equity lines of credit. However, you won't find many credit cards with a fixed interest rate. Most revolving credit cards instead charge a variable interest rate. Again, it is under the lender terms and conditions.

Variable Interest Rates?
A variable rate home loan is a home loan with an interest rate that may change over time. If you choose a variable rate home loan, you may be able to take advantage of any interest rate decreases over your loan's term. If your rate decreases, it means you pay less interest on the home loan balance. Also, if rates increase you will be charged accordingly the increased rate and your payment plan may change accordingly, so there is always a fluctuation factor in this kind of rate.

What is a comparison rate?
A comparison rate includes the interest rate as well as certain fees and charges relating to a loan. The aim of the comparison rate is to help you identify the true cost of a loan and compare loans and services offered by financial institutions and mortgage providers.
Why comparison rate is high?

The reason lenders do this is because most people pay little attention to their mortgage at the expiry of their fixed rate, so they can overcharge them without them noticing. The comparison rate looks at the cost of the loan over 25 years and so the higher revert rate is shown by a high comparison rate.

I, hope the information about the different kind of rates has given you some idea on how to decide on rate locks, health check of your loan and keeping an eye on loan and watching, when it is expiring.
Overall, it is your managing techniques and the ways. Saving you money and paying off the loan on time or as early as you want. For more information/queries contact us we are always open to help you. TERMS & CONDITIONS APPLY.

Are you a First Home Buyer?Refinance?Investor?PAYG?Self Employed?Good Credit Scores?Have questions running in mind about...
21/09/2021

Are you a First Home Buyer?

Refinance?

Investor?

PAYG?

Self Employed?

Good Credit Scores?

Have questions running in mind about loans, rates and repayments?

We have great suitable deals for the right and eligible clients. Please be advised the interest rates are record low, do not miss the opportunity to built your own place to live.

We can help you to get through the process of getting loan most suitable for you and in your best interest. T&Cs apply.

Below is educational material in regards; interest rates type and how loans work.

How does a fixed rate loan work?
Fixed interest rate loans are loans in which the interest rate charged on the loan will remain fixed for that loan's entire term, (from 1-5 years or depends on the lenders time terms), no matter what market interest rates do. Whether the rates rise or falls it is not going to affect your payment plan, this will result in your payments being the same over the entire term you are locked your rate with the lender.

What loans have fixed rates?
You may be able to get a fixed interest rate on various types of loans, including, mortgage loans, auto loans, and home equity loans or home equity lines of credit. However, you won't find many credit cards with a fixed interest rate. Most revolving credit cards instead charge a variable interest rate. Again, it is under the lender terms and conditions.

Variable Interest Rates?
A variable rate home loan is a home loan with an interest rate that may change over time. If you choose a variable rate home loan, you may be able to take advantage of any interest rate decreases over your loan's term. If your rate decreases, it means you pay less interest on the home loan balance. Also, if rates increase you will be charged accordingly the increased rate and your payment plan may change accordingly, so there is always a fluctuation factor in this kind of rate.

What is a comparison rate?
A comparison rate includes the interest rate as well as certain fees and charges relating to a loan. The aim of the comparison rate is to help you identify the true cost of a loan and compare loans and services offered by financial institutions and mortgage providers.

Why comparison rate is high?

The reason lenders do this is because most people pay little attention to their mortgage at the expiry of their fixed rate, so they can overcharge them without them noticing. The comparison rate looks at the cost of the loan over 25 years and so the higher revert rate is shown by a high comparison rate.

I, hope the information about the different kind of rates has given you some idea on how to decide on rate locks, health check of your loan and keeping an eye on loan and watching, when it is expiring.

Overall, it is your managing techniques and the ways. Saving you money and paying off the loan on time or as early as you want. For more information/queries contact us we are always open to help you.

ARE YOU FIRST HOME BUYER?UNSURE ABOUT THE PROCESS OF BUYING AND GETTING LOAN ?NEED A BROKER AND WANT SOME INFORMATION AB...
18/09/2021

ARE YOU FIRST HOME BUYER?

UNSURE ABOUT THE PROCESS OF BUYING AND GETTING LOAN ?

NEED A BROKER AND WANT SOME INFORMATION ABOUT THE ROLE OF BROKER FOR FIRST HOME BUYER?

Here is a brief a information provided to you guys; it is very much understanding that buying a first home is confusing and bit tricky. But no issues we can help you to get through.

Now here it comes;

• What role do brokers play for homebuyers?

A broker must always act in the best interests of their client. We are flexible and mobile and will visit their client wherever convenient; we have access to different lenders and can compare the products on offer to provide a selection that really suits the needs of their client. We basically simplify the home loan process, a complex and often mind-boggling process, for our clients.

Not only can we help evaluate a client’s borrowing capabilities and arrange finance for a property, but our insight on the market can also be invaluable. In addition, we can also arrange other services associated with property purchase, potentially minimising the amount of time required for their client.

A broker always looks at a wide range of loan product options that are suitable and help determine which one is most appropriate for their client. They also understand lenders’ processes and the steps involved. They can complete much of the paperwork, working closely with their clients to collate the required supporting documentation, submit the application to the appropriate lender, and manage the process through to settlement.
For more information we are always there to help you please feel free to contact us, for your queries and for your best suitable loan and interest.

I hope this might have helped you a bit and have given you some idea by now.

Address

Eleanor Street
Granville, NSW
2142

Telephone

+61421448387

Website

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