ABOUT Stand Fast
Adrian Grant is a Full Member of the Mortgage and Finance Association of Australia (MFAA) and holds a Diploma of Finance & Mortgage Broking.
Prior to becoming a Mortgage Broker, Adrian worked as a Chartered Accountant within Top 50 ASX Companies.
We work face to face with clients to build the right lending structure. Stand Fast looks to build long-term relationships with clients by providing a premium Mortgage Broker service.
"I find some of the best results are when I help a young professional couple buy their home years sooner than they thought. Or save them tens of thousands in Lenders Mortgage Insurance because they didn't know they qualify for a 90% No LMI bank policy!" - Adrian
Any given month one of the banks is doing their best to attract new business. I will be able to tell you in a few minutes if we can't get you a better deal.
PURCHASE A HOME
More than ever it is essential to properly structure a 'home loan'. I will work with you to understand your short and long term plans for the property and find the bank and loan structure to match your needs.
PURCHASE AN INVESTMENT
With a background as a Chartered Accountant I can help ensure that the loan structure properly meets the requirements.
More and more people are looking to renovate or subdivide the old 'quarter acre block'. I will work with you, the builder and the bank to ensure the process is smooth and safe.
Would you use the Real Estate Agent to arrange your home loan?
It's essential to use a Finance Broker for a Car Loan, you give yourself a distinct advantage. When you are shopping for the car you tell the dealer, 'I can pay cash today. What is your best price?'
90% NO LMI (Lenders Mortgage Insurance)
A specialist banking policy designed for 'professionals'. This can save up to tens of thousands off the costs to purchase a home.
DO YOU CHARGE A FEE?
The bank pays me a commission for doing the work for them. There are no hidden costs in the loan I source to cover my commission.
WHY SHOULD I USE A MORTGAGE BROKER IF I CAN GO WITH A BANK?
Level of service!
This is my business, built on client referrals. You have direct access to a finance expert who can access more than a dozen banks.
More than half of Australian Home loans are done through Mortgage Brokers.
I have access to special pricing discretions through banks and lenders. Using a mortgage broker is a flexible low cost channel for a bank. This is often why a person is able to achieve a stronger rate via a broker than through a branch.
WHAT DOES A MORTGAGE BROKER DO?
A Mortgage Broker works closely with you to determine your needs. With a strong knowledge of banking processes and policies a broker is then able to determine which lender and product is most suitable for your needs.
We then prepare and submit an application on your behalf to the lender. We work with the bank to ensure your loans and accounts are set up just the way you want them.
DON’T YOU JUST RECOMMEND THE LENDER WHO PAYS YOU THE MOST COMMISSION?
No. A successful business is built on putting the client’s needs first.
My job is to find the best loan for your needs and serviceability. I'll provide documentation that clearly outlines the commission I will be getting from the bank.
Brokers are governed by ASIC (Australian Security and Investment Commission) via the NCCP Act (National Consumer Credit Protection Act). This is legislated to protect consumers and ensure ethical and professional standards in the finance industry.