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When To Buy Home Insurance

Before becoming a homeowner, you need to ensure your property is protected with the right insurance. This means the very first thing you should do after entering into a purchase contract is to contact an insurance company and insure your property.

You read that correctly! Just the fact that you entered a contract which may crash on finance, requires you to have insurance on the property, as you are liable in the advent that the property is damaged, floods or burns down whilst under contract.

Keep in mind that insurance companies will provide temporary covers which can be cancelled with all funds returned in the advent that the contract does not proceed.

TYPES OF INSURANCE

HOME INSURANCE

Also known as building or house insurance. Covers the building, domestic fixtures and permanent structural improvements.

For home insurance, don’t include the cost of your land – only your building’s replacement value. Consider the internal fixtures and fittings, and any structural improvements like in-ground swimming pool, awnings, fencing etc.

CONTENTS INSURANCE

Contents insurance provides protection against theft, damage or loss of personal possession. Contents insurance is generally associated with the estimated value of your contents and will cover furniture, electronics etc.

TIP When taking out Contents Insurance, consult your insurance specialist, to ensure that any specific valuable possessions are covered.  Often, items of fine jewelry, artwork and antique furniture are not automatically covered, needing you to nominate the item and specify the amount you would like the item insured for.

It is possible to combine your contents and home insurance into a single policy.  Contents insurance is also an option and frankly recommended not only for your own home, but also if you are renting as your contents are not covered by the Landlord’s insurance.

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Why Choose Brisbane Home Loans

You're In Good Hands

Brisbane Home Loans is all about good old fashioned personal service without exception.

We Find The Right Deal For You

We take the time to listen to your needs and then search the market for the best products that satisfies your needs at the lowest possible cost to you.

Ongoing Comittment

We continue to work for you after the deal is finished, ensuring that we asess any new offers that become available which may improve your current deal.

One Stop Lending

We give our clients access to Personal Loans, Home Loans, Investment Loans and Commercial Loans.  You always only deal with on person for all your lending services.

How We Work With Our Clients

We can meet clients in our office, in their home, their office or the local coffee shop. Our initial interview will helps us understand the clients needs in the short, medium and long term so that we can find the best possible lender for your loan.

The world of financing continues to be more and more complicated. Our Lenders have experience in finding the right product to meet the specific needs of each of our clients.  During this phase, we identify two to three options that may be suitable.

Our Lending Specialists will present to you a number of options available outlining  the differences, benefits and downfalls of each option presented. Our preferred option and reasons why, we consider this the best fit for you will be clearly explained.

Our Lending Specialists work with our clients to have all documentsation signed, submitted to the lending institution and processed through to approval.

We pride outselves on client service which is why our Lending Specialists establish a reasonable review timeframe where they touch base with our Clients to ensure everything is working as planned.  During this review, the client is made aware of any new financing options in the market.

Brisbane Home Loans is not about one off loans. We truly care about our clients, which is why we stand by their side beyond the completion of the loan.

What Does A Mortgage Broker Do

Listen and Evaluate Your Needs
Calculate How Much You Can Borrow
Compare Options Available to You in The Market
Provide You Expert Advice
Do All The Leg Work
Obtain Pre-Approval For You
Create A Plan For You To Ensure Your Always Getting The Best Deal
Most Importantly We Provide This at No Cost To You

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