“I first did a proper pre assessment to verify their income and liabilities to make sure they are eligible for refinancing.” 

“I then did a property report on their home to get an estimate of the house value, so I had a good idea of their equity, and the LVR (whether it’s above or under 70%, 80%).”

“After that, I was able to narrow down 2 lenders, with one lender offering multiple offset accounts while the other didn’t.”

“I explained the benefits of having multiple offsets (i.e: husband and wife and children, each can open separate offset accounts if needed, all within one bank, with no extra fees, any money sitting in any of the offset accounts will reduce the interest on the home loan). “

“Clients chose the lender that offered the multiple offset option.”