Empowering your decision with industry knowledge
Why Choose Us
At Empower Financial, we don't charge our customers until your home loan is approved with us. In the unlikely event we can't find you a better mortgage deal, you will have nothing to lose.
A difference of even 0.1% on your home loan can save you thousands of dollars over the term of the loan. As expert financial brokers, we regularly negotiate discounted interest rates, bank fees and can help you select and tailor a product that could save you money.
Your best quote details can be used as a leverage to get a bank to put together a better deal if they want your business. Due to our strong negotiating power as mortgage brokers, we can get them to cut their profit margins to win your business.
There are many lenders both banks and non-banks (thanks to Australia's trillion dollar superannuation industry) that offer superior home loan deals but you may have never heard of. These lending companies may be smaller in the industry and may not publicly advertise, which mean lower costs and lower interest rates for you. As specialist empower financial brokers, we have access to these lenders.
As trusted empower financial brokers, we have recognised accreditations and a wealth of experience in home loans and can help you with any queries you may have. We can help home loan customers in all types of situations and strive to achieve the best result for their individual situation.
The right home loan is hard enough to find. Mortgages can be stressful and time consuming. Our job as a mortgage broker specialist is to help you achieve your goals and financial freedom. Through structure, correct and in-depth look at your current situation, we can tailor a plan that suits your needs.
We were very lucky to have been introduced to Ryan Loh to assist with our mortgage enquiries. Not only is he friendly and easily contactable, he is extremely professional, honest and genuinely seeks out the best outcome for his clients, even potential ones! After much research, it was determined that we were better off with our main bank; Ryan clearly pointed out the benefits to us even if it meant not gaining us as a client. Thank you Ryan for guiding us through the first steps of our home buying journey in Australia!
Ryan Loh is fantastic and assist us with all our mortgage application related enquiries. Very knowledgeable and offer excellent advise. Highly recommended to all ! Thanks again Ryan !
Ryan has been by far the best mortgage broker I had deal with. He is patient throughout the whole process and answered all our queries. All thanks to Ryan's proactive attitude, we managed to refinance our home mortgage with a competitive rate. We would highly recommend Ryan for his most excellent personalised services. Kudos!
Thanks for all your efforts and assistance in helping us to refinance our home loan. Your professionalism, understanding client needs in depth and genuine personality providing us piece of mind. Ryan has answered all queries we have. We strongly recommend him as your one stop financial broker.
Our promise to you
- As far as possible we'll make things easy for you
- We'll have meetings you can look forward to
- We will listen to you and always take the time to understand your needs
- We will promptly address your questions, concerns or complaints and return your phone calls and requests
- We will always be honest and trustworthy in our actions
- We commit to maintain high standards of competence through ongoing training
- Your affairs and files will be kept strictly confidential
- We'll always be clear about the ongoing service we provide and any costs to you
Fixed Rate Home Loans have interest rates and loan repayments that remain the same for an agreed period of time, and then at the end of the term, revert to a variable rate.
A Variable Rate Home Loan has an interest rate that can move up and down according to fluctuations in the housing market. You should consider a fixed rate if you want the certainty of knowing what your repayments will be and therefore help you budget, not to try and “beat the market” as breaking out of a fixed rate (fixed term) loan contract could cost you thousands of dollars.
Yes. You can change from a fixed rate to a variable rate, or vice versa, at any time. If you switch from a fixed rate loan, you may need to pay an Administration Fee and an Early Repayment Adjustment.
At the end of a fixed rate period your loan will automatically move to the variable rate (at no cost), or you can switch to another set period.
Yes. You can refinance your existing loan if your balance has been reduced to at least 50% or less of the original loan amount.