Dominique EL HELOU’s Post

Australia’s Top Commercial Brokers are rewriting the rules of success and client engagement. MPA’s best commercial mortgage brokers for 2024 rose to the past year's challenges, writing a minimum of $57m in commercial loan settlements to crack the ranked list.  Read the full report and learn more about this year’s brokers on the rise to commercial success. https://hubs.la/Q02yyDGr0

We’ve made some BIG changes to our Residential Mortgage Products 📢 We’re excited to unveil our new simplified credit tiers, which will help more borrowers get onto the property ladder and provide even more remortgage options than ever before. Features: • Introducing our brand new Premier and Platinum products with LTVs up to 95% and rates starting from 5.89% • Simplified approach to lending making it easier for our broker partners to navigate our product range which also includes no credit scoring. • We’ve reduced our 2-year fixed rates, now starting from 6.05% • Introduction of a fixed lender fee of £1795 across the range with increased availability of our fee-assisted range offering zero lender fee products • Self Employed borrowers with 1-year trading history are now accepted on our Prime Plus plans offering LTVs up to 85% • Improved criteria for borrowers seeking affordable housing solutions through our Shared Ownership and Right to Buy Products We are making Residential Mortgages ‘a piece of cake!' 🎂 Full details of our criteria changes can be found in our new look product guide: https://lnkd.in/dGv_Dh4U #ResidentialMortgages #Resi #WestOne #NewProducts

Mortgage Bankers Association Research and Economics has partnered with RECURSION CO to provide a series of reports focused on three main areas: quarterly origination volume, monthly issuance volume, and monthly MSR holdings reports. These reports are designed to provide mortgage originators, investors, servicing, and vendor companies with market rankings of mortgage companies. Recursion aggregates data from agency loan level disclosures and the EDGAR system. https://lnkd.in/eyvU2jJJ

Discover the advantages of choosing a mortgage broker over traditional banks! Here's how they can make your life easier: Access to Multiple Lenders and Loan Options: Brokers work with various lenders, providing you with a wide array of loan options and competitive rates. Personalized Service and Expert Advice: Benefit from tailored guidance to navigate the mortgage process and find the best loan for your financial situation. Potential Cost Savings: Brokers can negotiate lower rates, fees, and even help you uncover special programs, potentially saving you money over time. Convenience and Flexibility: Enjoy personalized service that fits your schedule, whether in person, over the phone, or online. Ready to explore your mortgage options? Let's chat! 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #mortgagebroker #homeloan #mortgageadvice #financialplanning #propertyfinance #realestateinvestment #mortgageexpert #homebuyingtips

Rates on hold at 4.35% - Read more - https://www.rba.gov.au/ Use this time Wisely! Yesterday, we had the RBA hold the cash rate – sigh of relief. We have been talking about interest rates possibly going down. However, yesterday’s meeting saw the board discussing interest rates increasing! How can get extra cash in your pocket! In this market, it is important than ever to compare what lenders offer. There are several options that you can do! - Refinancing – the traditional way of moving lenders to access better features (including rates!) - Alternative Refinancing – where we use your current repayment history to move lenders at a lower serviceability buffer - Pricing – where we ask your current lender to give us a discount (we negotiate with them for you – and using our industry knowledge to reduce your rate) Lets Chat if this can be of benefit to you!! Only ever a phone call away Phil Farrugia - Mortgage Specialist 0467444707

Scope out everyone’s servicing holdings in Inside Mortgage Finance's Mortgage Servicing Rights: 1Q24. In this comprehensive data report, you’ll get the full picture of MSR holdings, including a complete listing of agency servicers ranked by volume — from Lakeview Loan Servicing ($667 billion) to Dearborn Federal Savings Bank ($13,600) — as well as lists of the top banks’ and thrifts’ servicing for others and first-lien portfolios. https://buff.ly/3RsEwfB

Affordability issues continue to impact borrowers, but lenders urge mortgage brokers to keep communication clear and detailed. Sebastien Kuperhause of Community Trust highlights the importance of sharing comprehensive client info to expedite deals. Susan Thomas of Haventree Bank stresses discussing borrower circumstances early with business development managers to avoid delays, while Leanne Conroy of MCAN Home Mortgage Corporation suggests brokers focus on telling a borrower’s “story.” https://hubs.la/Q02SQz5N0

⭐️💸🏡Your credit score might be better than you think. Many people underestimate their creditworthiness and assume they won’t qualify for a house. Factors such as on-time payments, low credit utilization, and a long credit history can significantly boost your score. Additionally, occasional soft inquiries, such as checking your own score, don't negatively impact it. If you've been diligent about managing your credit, it's worth checking your score—you may find it's higher than expected. 🏡💸⭐️ Lenders and mortgage agents often see a different score than you as a consumer will see when you check equifax, transunion or something like credit karma. If you are considering buying a house but are unsure about your credit, reach out to me, I can see what the lenders see and let you know if you would qualify 😀 SylvierichardMortgages.ca Sylvie@sylvierichardmortgages.com 705-507-2000 #sylvierichardmortgages #creditscore #creditmyths #creditmakestheworldgoround #credit

First and foremost, it is important to understand the definition of these groups before looking at the major differences. Mortgage brokers belong to an independent firm. This allows them unique access to rates and offers from various lenders’ (banks, credit unions, private lenders and alternative options). Conversely, a mortgage specialist is employed by a single lender and works to sell that particular institution’s products.

With interest rates and lending criteria changing hourly, it’s a challenge to stay ahead of the data that mortgage brokers get on a daily basis. While we all want the cheapest deal, it’s not always about price. A good mortgage broker gives; Expert Advice and Guidance ✅ Impartial input ✅ Someone who understand your business ✅ Objective Contextual Recommendations ✅ Access to a market place of lenders ✅ Assistance for Complex Situations ✅ Continuous Support ✅ Transparent Communication ✅ Market Knowledge ✅ Peace of Mind ✅ Revised advice if what you started with changes ✅ We do this by having professional relationships, connections and access and support from a wide range of industry professionals. Most importantly we treat you like a human being, and put you first! #UKmortgages #InterestRates #HousingMarketInsights #proudtobeprimis #mortgagebroker #mortgageadvice #mortgageadviser #mortgageprotection #mortgageprotectionadviser #mortgageprotectionadvice #liddleperrett