Does the real estate agent care?
The real estate agent acts for the seller and is only interested in the seller and the commission he will earn on the highest price obtainable... So no help in lowering prices here.
Does the finance broker care?
The finance broker is only concerned with his commission paid by the lender based on whatever top price you pay or top amount you borrow... So no help in lowering prices here.
Does the lender care?
The lender is only concerned that they lend you an amount which stacks up to the valuation and will normally give you 70, 80, or 90% if you are really a good risk.
They don't care what you pay either as long as it values up.... So no help here either.
Does the valuer care?
The valuer is instructed by the lender to give a market figure (you pay for it in advance) and the lender never shows you the valuation nor are they obliged to.
The valuer takes the lenders instructions into account when they value the property, not to protect or help you, but to protect them and the lender... So, once again, no help here.
IN fact neither the finance broker, the lender the valuer or the real estate agent cares what you do or pay as long as their interests are covered so you are really very much on your own and it's always buyer beware (Caveat Emptor).
IOS does view the situation very differently.
IOS is a Purchase Facilitator Negotiator and is not a finance broker, a lender, a real estate agent or a valuer and receives no commissions from outside parties.
IOS works exclusively for the buyer. Sure the buyer pays IOS, but only on hard results. No result, then no payment.
We are are very interested in you the buyer getting a large discount of which you share one quarter with IOS and you keep three quarters (75%).
You are our valued client for whom we act exclusively, in your financial interest.
By now you should be starting to see that no one cares a "brass razoo" about you, or what you pay, as they all have protective interests of their own…
Well... speak to us and take advantage of the profitable difference.
You "The Buyer" are our valued client, we represent you to achieve the best in:
- Purchase price
- Lenders mortgage terms
- Lenders mortgage interest
- The real value of the property
IOS will arrange all the funding, pre-approved in writing, in advance, with a firm quote on mortgage finance and rate of interest, so when you have found the home you want we will do all the negotiating down of the purchase price.
See our web site disclosure to see that no one concerned with sale, lending, broking or valuing pays us anything.
We are independent and represent you exclusively.
And
what’s best of all you don’t pay us either. In the
end it's the vendor who really pays you three quarters of the saving we make for
you, we receive a quarter (You can even pay for some of the IOS share over
time if you want to... ask us)
No discount achieved then nothing payable to IOS, it’s a user pay arrangement, you pay only on results!
