Q. Who is Astute Financial?
Astute Financial (formerly Cairns Home Loans) is a private company that has been set up to arrange home loans for prospective home owners and investors alike as well as commercial & consumer funding. Astute Financial has access to over 30 lenders. We tailor the lenders products to the customer’s needs, a practice which most traditional lenders offer in reverse. * Our service is totally free of charge to you the customer.

Q. What locations does Astute Financial cover?
Astute Financial can cater to clients Australia wide and overseas. We have provided funding Australia wide, for residents as well as for customers living abroad. We can cater to foreign investors or residents who are not permanent citizens of Australia. We even have facilities to take out mortgages in foreign currency, for non-resident investors earning their income in other currencies.

Q. What does Astute Financial do?
Astute Financial is a Mortgage Broker. Our purpose is to arrange funds at the best rates that suit the customers' needs, rather than the lenders. For standard residential loans our service is at no extra cost to the borrower, in fact, our aim is to save you more money.

Q. How does Astute Financial work?
We specialise in assessing your individual needs and matching them to lending options available. This includes reviewing all the terms, conditions and fees. The guiding principle revolves around understanding your needs as a borrower. Our experience and ability to put the bank jargon into laymen’s terms will assist you in making an educated and informed opinion.

Q. Can Astute Financial deal with the bank I already bank with?
Yes. Rather than making an appointment to go into your bank, Astute Financial can come to you thus saving time and have an answer usually no later than 48 hours, even if it is your own bank.

Q. Is there a choice with Astute Financial?
Yes. Because we deal with all the Banks, we are able to draw upon a much wider range of borrowing options than traditional lenders, giving you a wider choice of options. Our guidance will allow you to weigh up the pros and cons easily rather than if you were wandering the mortgage minefield on your own.

Q. Can I refinance my loan with Astute Financial?
Yes. With the introduction of products like “lines of credit” and “off-set accounts“, this may be an option that is well worth a look. Also over the last 12 months banks have become much more competitive with their discounts and packages, it is always worth asking us for a quote - talk to us about your options and we’ll show you how to pay less.

Q. What can I use Astute Financial for?
We can provide advice and arrange finance for owner occupied, investment and commercial properties all over Australia. Refer to our ‘Loan Solutions’ to find your particular need, and our ‘Loan Products’ for more information on the types of products the banks offer. In short we become your ‘old school' bank manager.

Q. Is Astute Financial a free service?
Yes. It costs no more to use Astute Financial than if you went to the bank directly. In some cases you may find we can actually save you money. The Banks pay us for business.

Q. What does a Astute Financial Consultant provide?
Our team provide excellence in personal service. We explain the process of borrowing, complete the application and have an answer within 48 hours. We will manage your loan from Day 1 (application) until settlement. We liaise as one point of reference for you, the bank, your solicitor and the real estate agent to ensure all parties are on track at all times. We can assist you with signing your loan contracts and provide contacts where you need them for solicitors, estate agents, insurers, building and pest inspectors and even valuers.