Refinance Waverley Gardens

Phone: 0435 077 420 | 700 Springvale Road Service Road, Mulgrave, VIC

As a dedicated mortgage broker, I specialise in helping clients navigate the complex world of home buying. Whether you're a first-time buyer, looking to upgrade your home or invest in property, I aim to provide you with a hassle-free experience. With a commitment to building long-term relationships with my clients, I strive to offer personalised service tailored to your unique needs and goals. With my expertise and knowledge of the mortgage market, I can help you find the best loan for your situation. Let's work together to make your home buying journey a success!

I work with you at a time and method of your choosing. Whilst I'm based in the Melbourne suburb of Bentleigh, through the wonders of the web I often service clients across the country. The first step is to get an understanding of your goals via a quick 15 minute phone call or zoom meeting. From there, the below steps generally take place:

I collect and verify your information to assess your financial position, all done via a secure client portal
We then reconvene, via a virtual meeting (or face-to-face in my office in Mulgrave) where I take you through a detailed look at your options where we agree on a path forward
Our team prepares the application and credit proposal for you to sign
I then manage all dealings with the lender right through to settlement, ensuring you are continually updated on progress.

Phone: 0412 110 118 | 2 Winterton Road, Clayton, VIC

Steve established Mortgage Compare Plus in 2016 following an accomplished career at the NAB as a Bank Manager for half a decade. He is a FBAA member and credit advisor. It was during his time at NAB in which he identified a need in the market for greater service transparency, whilst providing clients with the benefits of an experienced mortgage broker accredited with all Australian Banks and Financial Institutions.

Mortgage Compare Plus was founded in 2016 by Steve Keramidas. We have opened our doors as a start up business, our aim being to make home ownership affordable and accessible to the everyday Australian.

Our values and philosophy are a reflection of the socially responsible company we aspire to be. We are a company which believes in performance with purpose and remain committed to our understanding that our financial position goes hand in hand with our social and charitable responsibility.

The Best Interests Duty, which took effect on 1 January 2021, legally obliges brokers to act in the best interests of their clients. This new law is on top of the National Consumer Credit Protection Act, which already regulates the conduct of brokers.

Mortgage Compare Plus must "prioritise their consumers' interests" if there's ever a conflict of interests, according to the legislation.

But while Mortgage Compare Plus have to follow the Best Interests Duty - banks do not. Steve Keramidas must give his client the best possible recommendation from all the lenders on his panel. However, a bank will recommend only its own products, even if there are better alternatives.

Steve acts in your best interests when recommending a home loan, and has a legal obligation to do so. Banks sell you products.