If you’re looking for a home loan but are inexperienced with finance brokers, attending your first appointment with a broker can be a nervous experience.
Getting a home loan, after all, can be quite complex for a first-timer.
Xclusive money is here to support you and there is a lot to learn. But there are many steps you can take to be confident that your appointment will be a success with Xclusive Money.

A good starting point is to familiarise yourself with the expectations of the first appointment between Xclusive Money and yourself. Your broker is very likely to ask you about your medium and long-term financial goals, the amount you want to borrow, comparisons of your home loan options and your understanding of the fees, costs and conditions attached to home loans. Knowing the direction the appointment will likely take lets you participate more actively in the conversation. This means you can better articulate your needs with Xclusive Money.

It’s also recommended that you give some consideration before the meeting to the types of questions you wish to ask Xclusive Money.
Questions that can be of use include such things as loan types (such as term, repayment options and interest rate types), the types of ongoing fees attached to various loans (such as early exit, late payment, break and redraw fees) and the typical timeframe for a loan settlement.

These questions might pop into your head spontaneously during the meeting but preparing them in advance is a good way to refine them. By doing so, you are in a position to get more specific information from Xclusive Money.

It is common practice, too, for Xclusive Money to conduct a needs assessment prior to your face-to-face appointment – so you may be asked some pre-appointment questions.  To assist in answering these, you’ll need to supply information about your employment history, assets and expenses.

At the appointment it will save you time and effort to prepare and then bring the required documentation with you. This can include ID, transaction histories, tax returns, rental income statements and borrowing documents such as “contract of sale” and proof that you have the deposit for a property. It’s mandatory for brokers to maintain the confidentiality of information that you provide to them and only pass on information necessary to enable them to lodge your loan application or where required by law.

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Hello, and welcome to Xclusive Money.

I would like to intorduce myself, I am Damian and I am the owner of Xclusive Money.
Xclusive Money is a finance company, if you havnt already guessed! 

Our mission and our job is to help you with all your finanical needs, as you make those xclusive purchases throughout your life - House, Car, A Business, Family Holiday, anything really!

Essentially we don’t do much different to any other finance company but we do actually really care and are passionate about being part of getting you what you want!

I come from a background in banking. Im passionate about helping others and I guess Xclusive came from my drive to help people become the absolute best they can be in every area of their life.

Xclusive Money is just the beginning, of the bigger picture of the brand and presence within australia. 

As a broker, we work for you. Every scenario is different and it is our job to find you the best solution for you plus we do actually care about you. 

I like to think we are all fairly clever and creative and we do love to have a laugh (and a wine!). We are so lucky to have just the greatest clients. I have a lot of fun with them all. I love to be part of their lives and usually end up as a life long friend or adopted son.

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