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Great Ocean Rd / Otway Ranges Mortgage Brokers – Victoria

Posted September 7th, 2010 and last modified November 19th, 2010

The Great Ocean Road that crosses through the Otway Ranges is a trip that all people should experience.  The sealed two lane highway (each way) travels a distance of 243 kilometres between Torquay and Warrnambool, south east of Melbourne.  This amazing road is in fact a war memorial, the longest in the world, as it was built by soldiers between 1919 and 1932 who returned from the First World War and it has been dedicated to those who didn’t return.

The road is now considered a tourist attraction in its own right as it winds its way along the coastline taking in several important landmarks such as the Twelve Apostles (although on last count it appears they are getting less in number as they fall to the constant weathering over countless eons).  The coastline, known as the ‘Shipwreck Coast’ provides wonderful views over Bass Strait and the Southern Ocean as well as expansive beaches, cliffs and rainforest.  Towns along the way include Anglesea, Lorne, Apollo Bay and Port Campbell.  All of which are tourist destinations in their own right and have wonderful tourist potential for the astute property investor.  If you wish to invest in the region or to live among nature where Koala’s actually live in the town gardens including private yards if it contains one or two gum trees. All you have to do is to find your property of choice and make an appointment with a mortgage broker.  It is a mortgage broker who save you much time in locating the home loan that best fits in with your needs.

Behind the towns of Lorne and Apollo Bay you will come across some of Australia’s finest rainforest scenery.  This is the region known as the Otway Ranges.  It is here where you can walk among tall eucalypt trees and giant tree ferns at Maits Rest as well as experience the full beauty of the forest by taking in the Otway Fly tree top walk.  There are also many picturesque waterfalls along narrow valleys such as the Triplet falls and others that cascade down into fern fringed clear water pools.

When searching for the best mortgage that will allow you to be part of this wonderland of nature it can be a confusing and daunting task if to try to ‘go it alone’.  That is why it is best to engage the services of a mortgage broker.  A mortgage broker will search through a wide range of mortgage products from a variety of lenders on their panel in order to come up with the home loan that best meets your needs.

When you engage the services of a mortgage broker you will simply be cutting out all the time and work involved in locating a mortgage to best fit in with your particular circumstances – and it will not cost you anything.  A mortgage broker will be able to access a wide range of home loan deals on your behalf.  Put to you the ones that offer the best value in terms of interest rates and monthly repayments as well as containing the features and benefits that you require.  They will help you with the application and its supporting documents and negotiate the home loan on your behalf.  When successful and your application has been approved the mortgage broker will receive a commission paid by the lender for forwarding them your business.  There will be no costs to be paid by you.

A mortgage broker, through their previous experiences and dealings with different lenders, will know which lenders will be best set up to cater to your specific needs.  If, by chance, you have a less than perfect credit rating and you don’t want to have to pay the exorbitant interest rates that some lenders demand from such situations, your mortgage broker will be better placed than yourself to know which lenders offer the most affordable rates to those with a damaged credit record.  The danger of trying to find the same lender yourself is that in today’s post GFC climate lenders have developed a much more stringent policy with their handling of ‘borderline’ cases.  If you happen to be ‘knocked back’ by any more than two lenders this will be recorded on your credit history also and may stop you getting finance for a further five years.

With the fast pace of living we all experience these days, many of us barely have the time to sit down long enough to enjoy any real quality time anymore.  Putting in the extra hours that will be necessary in order to seek out the ideal home loan might not be an option.  If you go directly to the first lender you come across, or to your old bank manager, you may be missing out on a great deal that could be much more suited to your needs as well as giving you much more flexibility in the coming years.  The engaging of a mortgage broker can save all this heartbreak as well as act as your advocate in all dealings pertaining to your mortgage, now as well as in the future if any refinancing is required for any reason.


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