For a brighter financial future

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How we help

Buy a Property

Buying a property is one of the most exciting times in anyone’s life but there are so many things to consider.

At KCG, we will guide you through the buying process to ensure that all your needs and options are considered. We can offer you strategic advice and compare 30+ lenders, & hundreds of loans and insurance. We adhere to the highest ethical and professional standards, and we are committed to helping you achieve your goals.

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Refinance a Loan

Have your circumstances changed or are about to? The benefits of refinancing your mortgage can vary depending on your situation and financial goals. But generally, refinancing opens doors to many opportunities, such as: better mortgage rates debt consolidation paying out an ex-partner lower monthly repayments shorter loan terms fixed-rate options.

Is refinancing right for you? I can help you make an informed decision by helping you to set goals and review loan options that align to your needs.

At KCG, we will guide you through the buying process to ensure that all your needs and options are considered. We can offer you strategic advice and compare 30+ lenders, & hundreds of loans. We adhere to the highest ethical and professional standards, and we are committed to helping you achieve your goals.

Vehicle & Equipment Finance

Finance the vehicles and equipment you need without crippling your cash flow.

These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages, insurance, reviews, and more.

The major benefit of using KCG is ensure you are obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.

Your choice of all the Aussie banks you’d expect, plus mortgage lenders you’ve never heard of.

Matthew Clark with Coat

The person behind KCG

Matthew Clark is twice Amazon number one best selling author of Understanding Successful Property Investment, Fundamentals – Alternatives – Performance and the 2014-2015 Guide to Property Investment. Matthew has dedicated himself to empower his clients to purchase their home, investment property or business since 2001. Matthew enjoys family time with his 3 children, reading, listening to Podcasts, a great cup of coffee and is a long suffering St Kilda Football Club supporter.

Award Winning Mortgage Brokerage

For  20+ years, our specialist Mortgage and Finance brokers have assisted people or businesses to finance their…
– Family home or Investment property
– Commercial property finance
– Business purchase or restructure
– SMSF Property Purchase or Refinance

 

As a Key Choice Group client, you will benefit from our finance advice as a Mortgage and Finance Broker who factors in not just where you are now, but where you want to be in the future and the complexities around these competing priorities.
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What our clients say

The KCG Process

We work with you and your service providers (real estate agent, conveyancer and lender) to the buying process with KCG.

Key Choice Group Corporate Core Values

Professionalism

As Melbourne’s top mortgage choice, we are not dependent on intuitive finance. Our focus is on continuous education and expert training ensures our clients receive relevant and customised broking solutions in the most time efficient way. Our professionalism is obvious to our clients and stakeholders.

Innovation and Continuous Improvement

Utilising the advances in technology and communication with our stakeholders, Key Choice Group continuously seeks to improve the delivery of our services to ensure excellence in our client experience. 

Connection

We don’t just read our clients’ minds. Connection between all the stakeholders in our client transaction is vital to the best client outcome. With genuine conversations, mutual respect and transparency, the shared experience is enjoyable for all parties, with your team working together for your best interests.

 

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FREQUENTLY ASKED QUESTIONS

WHAT DOES A MORTGAGE BROKER DO?

Mortgage brokers are qualified finance industry professionals. They work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. We are more like your finance support family.

Also, brokers help to ensure that you don’t take out a loan that is not right for you. Like your solicitor, accountant or financial planner, we are specialists in what we do. We will provide you with a suitable finance solution to help you achieve your goals.

With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender.

Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products and insurance from different lenders to find a loan that’s just right for you.

DO YOU CHARGE FEES FOR HOME LOAN AND INVESTMENT LOANS?

When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate. Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.

DON’T YOU JUST RECOMMEND THE LENDER WHO PAYS YOU THE MOST COMMISSION?

Absolutely not.

First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender.

Our job, our only job, is to find a competitive loan for your needs and objectives.

ISN’T IT MORE EXPENSIVE TO USE MORTGAGE BROKERS?

Some brokers charge a fee for their service which they must disclose to you up-front before you engage their services.

However, the costs of the loan are the same. Also these costs depend on the loan and lender you choose. If you want to save on loan costs, just tell us.

Our team can locate loan products from the lenders with the lowest fees and charges.

HOW MUCH CAN I BORROW?

There are specific factors that need to be considered when determining how much a customer can borrow.

These factors are income, employment position, the deposit saved, current living expenses, and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. Find the best and expert data in realtime.

If you find our calculator data but still have questions, we are ready to give you further support.

For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.

I AM NOT IN YOUR AREA (MELBOURNE), CAN WE STILL WORK TOGETHER?

Sure thing! Wherever you are, Aussie or not, you are more than welcome to book a meeting with us. Many of our financial meetings are held virtually via Good Meet, Zoom or Go To Meetings. Book via https://calendly.com/kcgmatt/finance-strategy and choose your preferred option.

We are always ready to cater your financial support needs.

SHOULD I GO FIXED OR VARIABLE?

A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”.

We do however, live by the following;

“If you want flexibility take a variable rate loan.”

“If you want budget certainty, take a fixed rate loan.

“If you want both, then do a split loan.”

WHICH LENDERS DO YOU DEAL WITH?

We can source you a loan from different lenders to provide you with a variety of options that are suitable for you and your situation including a choice many of the Aussie banks you’d expect, plus mortgage lenders you’ve never heard of.

WHO SETS INTEREST RATES?

Mortgage brokers do not set rates. So in short, Mortgage rate varies.

The Reserve Bank of Australia meet on the first Tuesday of every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Lenders also adjust their rates according to their costs and other economic considerations.

On the other hand, he have a useful calculator to help you out.

 

WHY SHOULD I USE A MORTGAGE BROKER IF I CAN GO WITH A BANK?

Lenders will only sell you their own financial products. Family Insurance, car loan, home loan, mortgage add on, and more.

Each bank (or lender) has a variety of loan products on offer – low doc, package loans, loans with re-draw facilities, plant and equipment loans, fixed rate loans, interest only, interested in advance, variable, introductory variable… and so on.

The issue you face as a consumer is ‘which loan is right for me?’ This is a common mortgage concern.

And that is where your mortgage broker becomes an invaluable resource! If you go direct to the bank, you will only be offered the loan options available through that one lender. Not a comprehensive Mortgage guide.

As your mortgage broker and with our professional team, we do all the legwork to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals.

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