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A mortgage broker is a professional who specialises in searching the market for a mortgage that best suits you.

60% of mortgages are now secured through the use of a broker who can take a lot of stress out of the application process and use their connections to secure exclusive deals.

However, they do add an additional fee onto an already expensive process and many people feel that they can manage the process on their own.

If you are unsure whether or not to utilise the services of a broker when looking for your next home read on as we answer some common questions you need to consider.

Can I go straight to a lender?

Yes, if you have found a deal with a bank or other mortgage provider which you think is perfect then it is possible to apply directly to them on your own without using a broker.

However, applying for a mortgage without advice simply to cut out the middleman, or because you already use a certain bank and want to keep your finances in one place, could cost you thousands.

No matter how strong you think your relationship is with your bank there is no guarantee that they will offer you the best deal on the market, or even the best deal they have available, simply because you are a long-term customer.

In fact, many lenders reserve their best deals for customers who use mortgage brokers and taking advantage of a broker’s years of experience and contacts in the industry can help you find the policy which will save you the most money throughout its term.

Can I trust mortgage brokers?

You may have heard tales that mortgage brokers are more interested in securing a deal that gains them the most commission than one that benefits their customers the most.

It is true that some brokers have connections to one mortgage lender or a group of lenders and will attempt to steer you towards a mortgage with them as they will be financially rewarded for doing so. Many ‘in-house’ brokers are even unable to offer you the best interest rates available as they are limited by the mortgage options that their employers provide.

Using a trustworthy broker will save you money over the course of your mortgage application, but always remember to check the reviews and affiliations of brokers and ensure they offer whole-of-market services.

If you are unsure if you can trust a mortgage lender then you should start by ensuring they are authorised and regulated by the Financial Conduct Authority (FCA).  If a broker is registered to the FCA then they are committing to strict criteria and must act in the best financial interest of their customers.

By using an unregulated broker, you are putting yourself at significant risk as you will not have grounds to redress if the advice that you were given proves to be unsuitable. If you received poor guidance from an FCA approved broker, then you may be eligible for compensation if you feel you did not receive an acceptable service.

CSR Financial Services are an FCA regulated independent whole-of-market mortgage broker, who have no deals or limiting contracts with specific lenders, and by trusting us to manage your mortgage needs you can be assured we will be solely focussed on securing the best deal for you.

Will going direct to lender save me time?

If you are looking to secure a mortgage as quickly as possible dealing directly with the mortgage provider may seem like the best approach.

However, if you do not have a broker to make sure that all your documents are in order and assess your financial status before making an application then you may end up wasting a lot of time.

By assessing your income, expenditure, and future financial commitments, brokers will be able to narrow down your search and discard mortgage options that they know you will be unlikely to be approved for.

Lenders have complicated underwriting and loan terms which you must meet and if there are problems with your application or you are not deemed suitable then you will likely be declined instantly. This means you will have wasted a huge amount of time and energy on a task which a broker could have instantly told you was not worth pursuing.

If you have found your dream property and are in a rush to get a mortgage, your best option is to talk to a mortgage advisor glasgow and explain the situation. They will be able to conduct their search in an efficient manner and make sure you do not miss out simply because you spent too much time applying for the wrong mortgage deal.

Physiotherapy can be an integral component of NDIS service plans, helping individuals attain their health and wellness goals. But it’s essential that you know how your physiotherapist operates and whether they are registered providers.

Physiotherapy can enhance your quality of life in various ways, including increased mobility, decreased pain levels and enhanced independence. Read on to discover how!

Improved mobility

InertiaHealthGroup NDIS physio Adelaide seek to aid participants in increasing their mobility and ability to complete daily tasks more easily, through various techniques including manual therapy, stretching and pain management strategies tailored to individual participant’s needs and goals.

Physiotherapy can help relieve pain by targeting its source, such as inflammation or muscle spasms. Physiotherapists may use various techniques, including ultrasound and electrical stimulation, to alleviate pain. Furthermore, they can assist with creating home exercise physiotherapy programs designed to manage participants’ discomfort.

When selecting a provider for physiotherapy services, be sure to choose a NDIS registered provider. This ensures they comply with specific standards and regulations; other considerations include qualifications, experience, services offered, location accessibility cost.

NDIS physiotherapy team travels directly to clients’ homes for assessment and therapy services, including skilled manual and exercise therapy. Our physiotherapists collaborate closely with participants, caregivers, and support workers of NDIS programs in achieving desired results.

NDIS participants may qualify for home visit physiotherapy under their plan goals if it is considered “reasonable and necessary”. To find out how NDIS physiotherapy could assist, reach out to us today!

Reduced pain

Physiotherapy can assist in alleviating pain associated with your disability. By employing techniques such as manual therapy, stretching, pain management and home exercise physiology program development your physiotherapist will work to reduce any aches or pains to enhance overall quality of life.

Your physiotherapist will produce a NDIS Physiotherapy Report tailored specifically to you and your NDIS goals, and presented at your NDIS Review Meeting as a strategic and progressive way of reaching those goals.

InertiaHealthGroup NDIS physio Adelaide will also be able to refer you to other specialists and support workers to enhance your quality of life and increase independence, such as providing assistive equipment or referring you to speech therapists or occupational therapists.

No matter your management model of choice – Self Managed, Plan Managed or Agency Managed – the National Disability Insurance Scheme will fund physiotherapy services as part of core funding. As a NDIS registered provider Realisation Healthcare can create a service agreement at your initial assessment to outline all services, costs, and appointments as well as how they will be delivered – this agreement will then be signed by both parties and sent on to your NDIS Plan Manager (if applicable). Travel costs will be charged per five-minute increment at their hourly rate with maximum travel charges being cap at 30 minutes for travel costs charged per day at their hourly rate per hour of travel per physiotherapist per hourly rate capped at 30 minutes maximum travel charges per visit physiotherapist per visit unless otherwise agreed otherwise stated within this service agreement.

Increased independence

Physiotherapy can be an invaluable asset in increasing independence for people living with disabilities. By strengthening and mobilising them more easily, and increasing overall functional ability, they can better participate in daily activities – helping them meet their goals more readily while instilling greater sense of self-worth and community inclusion.

Physiotherapy services may be included as part of your NDIS Capacity Building component plan, which covers services that help increase capacities such as physiotherapy, training and support to manage pain or other conditions. In addition, improved daily living category grants funding for assessment training supports to help increase independence both at home and within your community.

NDIS participants can work with their support coordinators and plan managers to identify a registered provider who meets their needs. Once their goals for capacity building have been discussed, a service agreement should be created between themselves, and the provider which details appointments made, and costs incurred; then forwarded for approval from their plan manager.

InertiaHealthGroup NDIS physio Adelaide is revolutionising disability support by encouraging choice, control, and independence; financial sustainability; seamless access to services; innovation; and lifelong support. Physiotherapy plays an essential role in this transformation by improving people with disabilities’ lives while aiding their recovery – ultimately leading to happier, healthier lives for everyone involved.

Improved quality of life

NDIS physiotherapy services provide participants with effective tools for managing pain and improving mobility, leading to an enhanced quality of life. If you are experiencing discomfort due to poor posture, balance issues, or movement difficulties, a NDIS physiotherapist will work to devise an individualised plan tailored specifically to meet your specific needs and goals.

Your physiotherapist will begin by conducting a comprehensive assessment of your range of motion, muscle strength, posture, and gait. They may then utilise manual therapy techniques, stretches or therapeutic exercise to help increase mobility while decreasing pain levels.

Your NDIS physiotherapy program will include regular progress reports and treatment plans, so that you can easily track your improvement while providing valuable feedback to ensure you receive optimal care from your therapist. This way, they can continue providing you with exceptional services!