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FAQs

What services do Property Twins offer?

Property Twins are both mortgage brokers and buyers agents.

Mortgage Broking:

We assist first home buyers, next home buyers and property investors with organising the loans for the properties. Our focus is structuring finance with a big picture focus to lay foundations for our clients’ long term financial success.

Buyers Agency:

Property Twins provide full service to help level the playing field for property investors. From sourcing, inspecting, shortlisting, negotiating on high growth and cash flow.

Does it matter where I'm located?

Property Twins are head quartered in Sydney, New South Wales but have clients all across Australia and Australian expat clients too.

Technology makes working with our clients a lot easier as we can conduct meetings via phone, Skype or Zoom.

Why should I work with a mortgage broker over a bank?

A bank has a monotonous view of their own products.

As mortgage brokers, we work for the client and do not have a preference of lending institutions. Our focus is on getting you the most suitable structures and loan products to suit your goals and needs.

I already own a home, how can I start with property investment?

The best place to start is to book a 15 minute Property Kickstart Call with our team.

This will help us understand your situation and explain to you exactly what is possible in terms of property investment.

What does the initial Property Kickstart Call involve?

The initial Property Kickstart Call goes for about 15 minutes. You will be speaking with one of our advisors in this chat. We will go through where you are , what you’re wanting to do and if we can help you, we will let you know. If we can’t help you, we will point you in the right direction.

Is the Property Kickstart Call free of cost and no-obligation?

The Strategy Session is a no-obligation chat to connect with you and if we are able to add any value to you going forward and if it’s a good fit for you and for us. You can Book a Property Kickstart Call with us NOW

What is your best rate?

When it comes to taking out a loan, everyone is looking for the best deal.

As mortgage brokers, we work with a wide range of lenders with the focus of acquiring the most suitable value proposition for you.

This may not necessarily mean the lowest rate out there but will instead ensure you commit to a loan that helps you achieve your specific property goals.

How much do your mortgage broking services cost?

Typically, for lending arrangements, we are remunerated by the banks. Depending on the complexity of your situation and where we may not be remunerated, we will issue an upfront quote to you for a ‘fee for service’.

As mortgage brokers, the lenders require you to remain with the lender for up to 24 months for our commissions to be payable to us. So if there is an intention to sell the property or refinance in less than 24 months, we will issue upfront fee for service quotes payable upfront.

How much do your buyers agency services cost?

We are independent and work solely for the buyer. Therefore, for the buyers agency services we are paid for by the buyer.

Our fees are fixed cost and not a percentage. Our focus is to help you buy a property in as optimal price as possible.

Schedule a chat with us to find out our process.

Do you buy properties below market value?

Our aim is to have our clients purchase properties in pockets where growth is yet to or about to happen. This is based on fundamentals. We focus on making money going into the market such that mum and dad’s drive the prices up in due course. Typically we find in 3 to 6 months we are likely to achieve greater valuations than what we purchased the properties at. We however do not promise ‘below market value’ and we believe it’s a mis-used term in the property industry.

How do you get paid for your mortgage broking services?

Typically, for lending arrangements, we are remunerated by the banks. Depending on the complexity of your situation and where we may not be remunerated, we will issue an upfront quote to you for a ‘fee for service’.

As mortgage brokers, the lenders require you to remain with the lender for up to 24 months for our commissions to be payable to us. So if there is an intention to sell the property or refinance in less than 24 months, we will issue upfront fee for service quotes payable upfront.

Do you disclose what you get paid as mortgage brokers?

When we work together, prior to the loan application you will receive our credit proposal document which will cover all our earnings.

Can you run property reports for us?

Our clients and their friends and family have access to free of charge* property reports

Do Property Twins provide tax advice?

Property Twins are not licensed to provide tax advice. We are not tax accountants.

Utilising correct finance structures can definitely help minimise taxes, however saving tax should never be the key driver for property investment decisions. We see tax as a cost of doing business and not as a sole reason for investing.

While we do not provide tax accounting services, we can put you in touch with our trusted network of tax professionals.

Are Property Twins Buyer’s Agents?

Yes, Property Twins provide buyers agency services to our clients.

Are Property Twins property mentors?

At this stage Property Twins do not provide property mentoring services to our clients.

Where required, we can issue an independent quote to you for a set number of sessions to discuss property strategy and approach.

Can Property Twins offer me one on one strategy and property input?

So we can serve our clients best, we only offer purchase and property strategy input if you are a paying buyers agency client. Schedule a 15 minute Property Kickstart Call to find out more.

Can I just call your team for a quick borrowing assessment?

We appreciate many of our clients are time poor professionals. However, it’s for your better financial future to provide us with a clear picture of your financial situation before we can provide you with a tailored solution to cater to your needs and goals.

The quality of input you provide us with in your fact find will enable us to provide you with a quality outcome.

We are looking to build long term trusted relationships with our clients to assist them through their financial journey over many years to come. Hence, we seek our clients to fill the fact find as a first step to begin engaging our services.

Download our Fact Find and request a Free Assessment

Do I need to be your mortgage client to be your buyers agency client?

Our mortgage broking services are independent of our buyers’ agency services.

If you already have your finance sorted, that is fine too.  We can still act as your buyer’s agents.

Do you have access to off market properties?

We we access off and pre-market properties as part of business as usual. In reality, only about 1 in 10 properties are purchased in this way – in many cases, an off-market property does not stack up favourably to something that has been on the market for 3 months and badly marketed.

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