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“Mortgage broker Melbourne – what is it?”, I hear you ask. Well, to put it simply, a mortgage broker is a person who helps people find the best mortgage deals available in the market. Their job is to find you the deal that suits your circumstances the best, as well as finding the lowest rates possible. There are several things to look out for when choosing a mortgage broker. Some key points are: good track record, good customer service, competitive rates, affordable fees and charges, quick turnaround times and above all, great value for money. We have been doing mortgage brokering services in Melbourne for almost 10 years now, and our aim is to continue to build our clientele. We do not boast about this, however, we have always placed customer satisfaction as our first and foremost priority. Our customers’ feedback is also very helpful to us, so if you have any concerns about our services contact us immediately. We are not a big conglomerate, and therefore, you will not be another number on our system. In order to find the right mortgage broker, take your time to do your research. This should involve comparing as many lenders as possible. Do not limit your focus to just one lender, in fact, it is advisable to compare as many lenders as possible, because then you are sure to find the ideal loan package for your needs. Once you have gathered all the data you require from each lender, you will be better placed to make a sound decision. Don’t be afraid to speak to current clients of the lenders as well as people that work within the finance industry. Get an insight into what they think of the service from other clients. When you start your research, start by speaking to friends, family, and work colleagues. Get their take on the experience they had whilst dealing with the particular lenders you have come across. Where they specifically felt uncomfortable with the service, ask them why, but don’t worry; there will be plenty of other clients who have the same feedback to share with you. This will help you narrow down your shortlist of potential mortgage brokers to one or two. Make sure they are fully trained in the process of sourcing the right loan for your first home, as this will be your most crucial decision. Next, speak to your local area MP. They will be able to give you information on various reputable lending companies. Do not forget to ask them how they plan to regulate the various mortgage brokers operating in the area. There are currently three different bodies in charge of overseeing lending practices in Australia. One is the Accredited Senior Broker (ASB) which accredits only those mortgage brokers that have met strict guidelines. The second body is the Australian Mortgage Brokers Association (AMBA), which requires a certain level of standards for its members. If you have found a suitable mortgage broker Melbourne, you need to make sure they have the right contacts to offer you the best deal possible. Remember to go with someone who has had experience working with financial services providers, such as banks and building societies. This will ensure that they have a good understanding of the options you have available to you and can help guide you towards the best lending products to suit your individual circumstances Mary Tomholt View all posts by Mary Tomholt

The Brazier fire pit offers an excellent solution to outdoor cooking in cooler weather. The portable brazier allows for safe and controlled bonfires on your patio. Its circular sidewalls limit the oxygen source, which then cooks the fire for longer periods of time and at a more even pace. At dkbrænde.dk you will get the best Brazier fire pit. Also, the strong stainless steel legs ensure that the brazier fire pit stays stable when it is in use. The thick, heavy-duty steel frames hold the braziers in place, while the front surface consists of rubber sandblasted channels to keep food from falling out. The front surface also includes non-marring finger holes, making it easy to insert or remove a finger for meat or utensils. This feature is especially helpful for households with children or pets. To protect your investment, you should purchase the Vasner Cast Iron Brazier fire bowl. It is a one-piece model, made with the traditional cast iron design. The bowl sits atop a steel body that is covered with a non-stick powder coating. The powder coating prevents burning and extends the life of your fire bowl. Also, it makes cleaning the fire bowl a breeze. Another way to protect your investment is by purchasing the Vasner M2 Brazier fire pit. This one-piece model sports a black powder coating on its surface. The black powder coating is perfect for outdoor cooking, since it absorbs all of the intense heat during a cookout. The M2 brazier fire bowl is designed for maximum protection, using the same steel construction as the Brazier fire pit. Finally, you can purchase a Brazier fire brazier without a powder coating. These pits have a stainless steel frame and are completely black, which is a favorite choice among bakers. You can also find models that have stainless steel legs and are available in charcoal or gas fire pits. The legs make cleaning the pit easier, since there is no need to scrub off the black powder coat. If you prefer your pits with a black powder coat but do not want to buy the steel legs, you can choose the VASER technology instead. This newer version of the Brazier fire brazier features a double layer of metal, which gives each piece of the cast iron a non-stick surface. This means that it heats up evenly and does not burn the food as quickly, making it safer than other pit options. However, it only has one layer, and the downside is that it has a shorter life span than the double layer option. Either way, it’s important that you use care when handling or even cleaning the Brazier fire pit. To begin, never use anything that is scented or chemically treated. These can actually accelerate chemical reactions that can damage your pit or even burn it down. Secondly, never use soap or detergents when cleaning your pit. Instead, use hot water and a scrubbing pad to loosen any build up that you find. Finally, never use your fire pit as a heating source. It is best that you place your pit on a cool outdoor area. The last thing you want is a fire that is burning hot when you’re sitting nearby. Keep your pit at a safe distance from electric outlets, propane heaters, and open flames. After cleaning out the pit, you should apply either the black powder coating or the sanding coating. Both methods are easy to do yourself if you have the right products. Black powder coating is fairly easy to apply if you purchase the right kind of product. Apply the black powder coating by lining the pit up with the outside edge of the pit and pouring in an even layer of the black powder. Once this is dried, allow it to dry completely before working on the next step. Sanding is a bit more difficult. To start, make sure that your pit is level. Then, take a chain brush and slowly drag it along the outside of the pit. Make sure that you wear protective gloves and safety goggles to protect your eyes and hands. After sanding the surface of the pit, you will need to fill in any gaps in the sand with wood. To fill in the holes, just use some of the same wood that you used to build up the structure of the fire pit. You should be left with a nice smooth surface. If you are satisfied with your work, you can then paint it with any color that you would like. Mary Tomholt View all posts by Mary Tomholt