Amanda Clough
Mortgage Broker Benowa, Ashmore, Southport
The first person to talk to when thinking about property purchase is a mortgage broker. A good mortgage broker will help you to source not only the most suitable home loan available from a diverse panel of secure lenders, but the most economical one as well!
I have had over 19 years experience working within the finance Industry, including roles in traditional banks, non-bank lenders and mortgage managers. I have worked in banking, administration, lending management and credit management, and I have experienced all types of lending from residential to commercial/industrial, consumer and equipment finance.
There’s nothing like a passionate mortgage broker
I am most passionate about the residential home loan market. I get the most satisfaction out of seeing my clients obtain what it is they are aiming for, whether it be their first home or their tenth investment property. I pride myself on being able to identify and converse with all walks of life in a way they will individually understand. My aim is to provide the best service whilst sourcing the most economical and most suitable loan for each individual client.
Be confident you have the right home loan, first time
Due to my history with different lending institutions, I have outstanding knowledge of not only the range of home loans available to you, but also how the loan process works with each type of lender and home loan product. I am able to recognise the right loan option based on your individual situation during our first meeting and proceed with their application immediately, thus being time efficient. I will always be available to answer your questions and provide you with progress updates, from the first phone call through to settlement and beyond, regardless of how big or small your query may be.
First home buyers
Most first home buyers have so many things to consider when looking to buy their first home. Not only do they have real estate agents and solicitors to try to negotiate with, but then they have to decipher a home loan as well. It can become overwhelming when trying to research not only the hundreds of home loan products on the market, but work out which type of institution to borrow from. Then there is the First Home Owners Grant to apply for as well!
I have had great success in working with first home buyers in helping them to understand in plain terms what the differences are between home loan types and what loans are suited to their needs, whilst finding the most competitive pricing. If you are a first home buyer, I provide guidance every step of the way, from what you can afford to borrow all the way through to applying for the loan and associated first home buyer grants and concessions, and helping you to navigate through the signing of documents with solicitors. I even have you covered through settlement and well after you have moved in.
Past experience has shown me that all first home buyers have many questions about all aspects of this process and I am more than happy to answer all of them, no matter how small the question may be.
I have known Amanda Clough since November 2008 during which time she has provided me with first class service. My financial situation provided Amanda with some what of a challenge. On a couple of occasion’s when barriers were put up in front of us, Amanda continued to charge forwarded putting into play her many years of industry experience.
Amanda not only provided me with exceptional professionalism but also genuinely cared and was always 100% committed to getting me a positive outcome. I could tell after my first phone call with Amanda that I was not just a customer. I am now on the verge of moving into my first home and owe it all to Amanda. I would go so far as to say if you went with another broker you would be doing yourself a disservice.
Kathryn H, Benowa
Investors
I have had the pleasure of helping many of my customers into their very first investment property, as well as assisting astute investors to purchase many more. Setting up the correct loan structure for these investments is a very important. A good investment loan structure gives you the flexibility to increase your property portfolio when the opportunity arises and enables easy management of that portfolio. This works in conjunction with sensible investment advice from your financial planner and/or accountant, tailored to your individual investment goals and financial situation.
My wife and I recently ventured back into the property market and needed to arrange finance urgently and were lucky enough to be recommended to Amanda Clough. Amanda was prompt in her contact at all times and proceeded to provide us with the best service we have ever experienced regarding ANY sort of finance, both here and overseas.
Amanda not only helped us purchase our dream home, but also assisted in gaining us the right finance for our cars and situation so that we were perfectly positioned financially. As such, we provide Amanda with our highest recommendation as she was able to provide exceptional service and make us feel that we were the most important customers in the world, this gave us extreme confidence and belief in her abilities, and we were not disappointed.
Mark & Caroline L, Parkwood
Refinancing your home loan
Refinancing includes a range of products from debt consolidation to renegotiating your current loan to reduce your monthly repayments. I have also had many successes in helping recent divorcees in being able to payout their ex-partner and retain ownership of the property after settlement.
After my recent Divorce, I was left feeling overwhelmed. My ex had always managed the finances in our relationship. I suddenly found myself in a situation where I needed guidance and reassurance in obtaining finance to payout my ex and purchase the family home. It was Amanda’s expertise, professionalism, and patience that guided me during this difficult and very emotional time. Amanda really cared about my situation and in achieving for me the best possible financial solution to suit myself and young family. Thanks to Amanda’s invaluable advice and assistance I now feel financially secure. I have no hesitation in recommending Amanda Clough.
Simone.S., Broadbeach Waters
Relocation loans, bridging finance
A bridging loan is purely to help you to purchase a new home before your existing home has sold. It’s like ‘Murphy’s Law’ – you will always fall in love with a property before yours has sold. A bridging loan is the perfect loan in this situation, and provides financial cover for both properties until you are able to sell your existing home at which point it reverts to a standard home loan. A bridging loan usually works on interest-only terms until your property is sold.
Low doc loans
Low documentation, or low doc, loans are primarily for customers who are self-employed and haven’t completed their taxation returns. With a standard loan, lenders will usually require two years worth of full sets of financial statements, which include copies of tax returns, profit & loss statements and balance sheets. A low doc loan avoids having to provide most of these documents; instead, a document for the self-employed borrower to ‘self certify’ their income is used.
Customers Benowa and Central Gold Coast
My office is based in Benowa Gardens Shopping Centre and I welcome you to drop in and visit at any time. I also provide a mobile home loan service and can assist borrowers in Benowa, Ashmore, Southport, Molendinar, Bundall, Surfers Paradise, Chevron Island, Isle of Capri, Sorrento and Broadbeach.
In the confused world of finance today, when you look to obtaining a loan, refinancing current loans or borrowing for your next home or investment it is important that you deal with someone that not only walks the talk but also can think outside the square to get you the very best deal tailored to your circumstances.
With Amanda Clough, you get just that. Nineteen years experience in the industry covering loans from photo copiers to hi rise buildings, Amanda has done them all.
The benefits of this experience not only provides the contacts, but also the where with all to ensure you are not compromised.
We all hear the horror stories of “the bank did this” or the “bank did that”. Not so with Amanda. A straight shooter, she will tell it as it is and you will be comfortable and confident in the knowledge that “this one is the right one”. From your moment of first contact, you just get the feeling that this lady knows what she is about and her diligence results in your success.
The words “loan declined” to Amanda are a reflection of the broker, although many say it is the lenders. Not so. Too many loans are declined and prospective purchases do not proceed not because the borrowers were not eligible, but because the broker could not evaluate and make the application with the right lender. Banks want to lend money, it’s their business, but applications need to be compliant and to their specifications. This is where Amanda excels.
When you utilize Amanda’s services you can be certain she will be in contact from application to occupation and then beyond as your needs require.
Amanda Clough in the lending world, turns a marathon into a sprint. Call her today.
- State: Queensland, QLD
- Broker region: Gold Coast
- Suburbs: Benowa, Ashmore, Southport
- Amanda Clough provides mortgage broking services in suburbs including but not limited to: Benowa, Ashmore, Southport, Molendinar, Bundall, Surfers Paradise, Chevron Island, Isle of Capri, Sorrento, Broadbeach