Tailored financial/credit advice & services for clients in Darwin & around Australia
Here at WISE Finance, our team takes a detailed and considered approach to helping you improve your financial situation. Working with 38 lenders and institutions across Australia, we will provide you with the information and advice you need to make decisions that reliably grow your wealth and improve financial security.
These are some of the financial products that our brokers can offer:
Assess Your Needs
At WISE Finance, we pride ourselves on being very thorough and professional with every client’s case. We take the time to discuss your situation and analyse your current finances, so we can decide on the best possible loan for your individual situation. As part of this process, our advisors will create a 100-point checklist for identification purposes, personal bank statements to demonstrate savings, payslips, outstanding loans, statements, tax returns and so on.
Once we fully understand your situation and financial goals, we will provide you with wellresearched product comparisons and present some recommendations we believe would be suitable. Our advisors will also inform you of any upfront or ongoing fees, repayments structures and other terms relating to that product.
Find A Suitable Loan For Your Situation
When you work with our experienced brokers at WISE Finance, you’ll have access to 38 of Australia’s most renowned banks, building societies and lenders. Our database contains thousands of mortgages, personal loans, financing options and other products, so we are guaranteed to find one that fits your needs.This database is constantly updated and has details of the latest lender deals and limited-time offers.
Utilising the Podium 2.0 software from Choice Aggregation, we can complete this otherwise labour-intensive task in a relatively short timeframe. Usually a comparison table and/or graph is also available for your consideration. We will then recommend one or more products that suit your needs.
Our team can also provide you with a copy of the lenders comparison rate schedule upon request. Comparison rates include both the interest rate and fees and charges relating to a loan, and are a useful tool to help you identify the true cost of a loan.
Manage The Process
Once you have decided to proceed with a financial product—be it a home loan, commercial line of credit or asset finance—WISE Finance will continue to assist you throughout the process until your loan is approved and settled. Our advisors help you complete the necessary paperwork and liaise with the lender on your behalf. This includes the completion and submission of your home loan application and the on-going communication between all parties.
Your advisor will also make you aware of our complaints process. This is called an Internal Dispute Resolution procedure, and all members of the Mortgage and Finance Association of Australia (MFAA), Credit Ombudsman Service Limited (COSL) and Banking and Financial Services Ombudsman (BFSO) have requirements in this regard.
Provide Advice At Every Step
At WISE Finance, we know setting up or changing mortgages and finances can be a long and complicated process. Our clients know they can rely on us at every step of the process, from pre-approval—where your loan is “approved” based on certain conditions, such as loan value ratio (LVR)—right through to possible refinancing at a later stage. If you have any questions or concerns at any time, our advisors will be there to help.
Remember, the earlier you contact us, the sooner we can help you sort out your finances.