Allston

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Contact

231 East 22nd Street, Suite 23 New York NY 10010

Email: office.ny@ratio.com
Fax: +88 (0) 202 0000 001

Lending Services

Lending Selection

“A borrower who engages a mortgage broker looks to the broker for advice. The advice the borrower wants is what the broker thinks will be best for the borrower. And, if there is scope for negotiation with the lender, the borrower wants the broker to strike the deal that is best for the borrower. In all these activities, the borrower rightly wants and expects the broker’s undivided loyalty”.

Ref Final Report Banking Superannuation and Financial Services Industry Page 74

The Royal Commission into misconduct into Banking Superannuation and Financial Services Industry made the following recommendation in relation to Consumer lending:

Recommendation 1.3 – Mortgage broker remuneration

 

The law should be amended to provide that, when acting in connection with home lending, mortgage brokers must act in the best interests of the intending borrower. The obligation should be a civil penalty provision.

Recommendation 1.3 – Mortgage broker remuneration

 

The borrower, not the lender, should pay the mortgage broker a fee for acting in connection with home lending.

Changes in brokers’ remuneration should be made over a period of two or three years, by first prohibiting lenders from paying trail commission to mortgage brokers in respect of new loans, then prohibiting lenders from paying other commissions to mortgage brokers.

 

What our service offers

Long before the recommendations of the Royal Commission SJButler has always believed clients should be provided the option of paying a fee and is usually in their interests to do so.

  • 100% upfront and ongoing commissions rebated directly back to you.
  • 100% reliability
  • 100% fee for service
  • 100% disclosure
  • 100% guarantee
  • 100% access to you mortgage broker

 

How does SJButler Mortgage Solutions get paid?

 SJButler Mortgage Solutions provides a quality reliable service with constant contact with your adviser. We aim to provide you with industry best service supported by experienced, knowledgeable and accredited mortgage brokers. To provide this service we simply take our agreed service fee, and rebate you 100% of the upfront commission (less GST) that is paid to us by the lender and then rebate the difference directly back to you. Depending of the service package chosen we may also rebate 100% or the ongoing commission.

If you withdraw your loan application or if it is declined by the lender, or if the loan does not proceed to completion, there is no fee payable.

 

SJButler Mortgage Solutions Guarantee

Lender application declined

If the lender does not approve your application, conditionally or unconditionally, you pay NO FEE to us.

 

Borrower withdrawal or subsequent lender decline

If you withdraw from the loan or if the lender, having previously approved your application conditionally or unconditionally, subsequently declines your application, you pay NO FEE to us.

 

Loan does not proceed to settlement

If for any reason, your loan does not proceed to settlement, you pay NO FEE to us.

Our Residential Lending Panel

Shane Butler CR No 370914 and SJButler Mortgage Solutions Pty td CR No, 441325 are credit representatives of BLSSA Pty Ltd ABN 69 117 651 760, Australian Credit Licence Number 391237