Astrid Caddeo
Mortgage Broker Port Melbourne, Fitzroy, Brunswick
There are so many DIY shows and books available teaching you how to do everything from baking bread to building houses. We’ve all done it. It takes time to read the books and we make plenty of mistakes along the way. But when we are talking about your financial future, your financial commitments, it’s not quite as easy as baking bread, nor is it as harmless to experiment with the ingredients. Any mistakes you make will be costly and can affect your life for many years to come. Is that something you want to risk?
Professional home loan help when you need it
As a professional senior mortgage broker I’m here to make the process of finding a home loan as easy as possible. You have the benefit of being able to compare multiple lenders and over 200 home loans with just one phone call or face-to-face appointment – whatever suits you.
All lenders will glorify their available loans and fit you into a product that suits them and their needs. Like fitting a round peg into a square hole – it fits, but how good is that fit? The benefit of discussing your home loan needs with me is that I’ll find the right fit for you, one that suits you and your needs alone.
A mortgage broker with experience and qualifications
Having spent 15 years as a tax and company accountant, five years as a real estate agent and 12 months dealing exclusively with property investors and developers, I have lived and breathed finance and real estate for most of my professional career. I offer you this extensive knowledge and experience in your search for the right home loan.
- Full member of the MFAA (Mortgage & Finance Association of Australia) and an Accredited Mortgage Consultant
- Certificate IV in Financial Services (Finance/Mortgage Broking)
- Registered with SEQUAL as a Reverse Mortgage Consultant (RMC)
Business networks – find related professionals you can trust
Buying a home or investment property requires more than a good mortgage broker. You will also need the help and advice of a Solicitor or Conveyancor. You may be in need of an Accountant or Financial Planner. Perhaps chatting to an experienced property developer or professional property investor, or a contact in the building industry may be something you need.
With close associations to many of these professionals I can potentially save you lots of time, and even money, by putting you in touch with the right person to ensure you get the right information the first time.
First Home Buyers
First home buyers are becoming far more knowledegable and savvy when it comes to buying their first home, but there are so many things that a first home buyer needs to take into account that it can still get very confusing. I take the confusion out of the process by assisting first home with a step-by-step guide of the whole process of buying a home, including:
- analysing your home loan optionssearching for the right property
- the provision of RP Data reports so they can ascertain the value of the homes in their desired suburb
- information on how to buy at auction and/or how to negotiate in a private sale
- explaining terms and conditions of their contract of sale
- the importance of a finance clause and securing a home loan pre-approval
- how to get the First Home Owners Grant and how much are they entitled to
what happens at settlement
This step-by-step process can assist first home buyers enormously and make the process of applying for a home loan easy and comfortable.
You have been absolutely wonderful through all of this Astrid and I really appreciate your professional and helpful manner.
Lauren Cameron – Melbourne – First Home Buyer – Country Victoria.
Investors
Whether it’s your first investment property or your tenth, structuring your investment loan/s properly is essential. A correctly structure investment loan will ensure that you not only achieve the maximum tax benefits allowable to you, but also that you have the ability to grow your wealth more quickly. Knowing that I’ve been able to assist my clients to grow their wealth through property just by helping them to structure their investment loans to suit their investment strategy is really satisfying.
Second and subsequent home buyers
Making the move from one home to the next can be stressful. Timing can be crucial and having the right type of home loan for your relocation is vital to ensure you’re not paying too much in interest, or over-committing yourself. Knowing your home loan options prior to beginning the search for a new home can make the entire process run more smoothly.
The support and value provided by Astrid made a potentially stressful process extremely easy and painless. The detail and clarity of the information provided allowed me to make timely and confident decisions. Astrid’s personalised service was fantastic – thanks Astrid.
Nadine – Parkdale – Refinance & 2nd Home Purchase – Parkdale
Self-Employed borrowers
Self-employed borrowers are usually involved in small business and often need help both time and knowledge-wise when it comes to finding a residential home or residential investment loan. As an ex-accountant I can read business financials, discuss numbers and business with you or your accountant, and quickly and accurately extract the information and numbers required to compile a loan application meeting the appropriate lender’s minimum requirements.
Developers
Growing wealth through property developing can be exciting but does require commitment and structure, whether it is a small two unit development on a block of land you want to subdivide, or a multiple property development site. Both require different loans, skills and knowledge, so it’s important to ensure you are surrounded by the right people, including a knowledgeable finance broker. A knowledgeable finance broker who understand development finance can be the difference between being prepared or jumping in feet first and worrying later when the splash is greater than you thought possible.
Home loans for retirees – reverse mortgages
Often referred to as asset rich but cash poor, the needs of a retiree can be quite different to someone of working age and need to be handled with understanding and compassion. Reverse Mortgages should always be discussed with a SEQUAL Accredited broker who will be able to explain the process and outcomes simply, and cover off the pros and cons of using this type of home loan. Retirees with property portfolios should also review their loan structure on a regular basis to ensure that it’s the right one for them at the various stages of their retirement.
Customers
Based out of Port Melbourne and living in Brunswick opens me up to work within a broad area. However many of my clients come from Brunswick, Carlton, Essendon, Moonee Ponds, Maribyrnong, Footscray, Northcote, Coburg, Clifton Hill and in the east Ringwood.
I am really grateful for all your help and the amount of energy that you put into arranging this mortgage for me. You made life a bit easier for me! I think I would have ended up paying extra for a product that I didn’t really want. When I come back to buying another property, I will call you first.
Stephen Campbell – ACT – Refinance & Property InvestmentSimply – I believe the person you deal with is of great significance. We could not have asked for a better broker than Astrid Caddeo. Her attention to detail and information was first class
Andrew Collins – Fitzroy – First Home Buyer – Inner CityMy experience with Loan Market, in particular the assistance and guidance from Astrid Caddeo, has made the task of refinancing mortgages an absolute breeze. I am so thankful that I chose to seek advice from Astrid, as it made the somewhat tedious and difficult process of choosing a lender, stressfree and seamless, particularly as there are so many choices out there in the Home Finance arena. Astrid went the extra mile on many occasions, communication was clear, concise and frequent, and it was this extra attention to detail which made the whole process so much easier. I’d recommend Astrid and Loan Market to my family and friends, and anyone that is faced with the large and sometimes daunting task, of deciding how to go about refinancing. A BIG THANKYOU!
Regards, Daniel Smith.
- State: Victoria, VIC
- Broker region: Melbourne West
- Suburbs: Port Melbourne, Fitzroy, Brunswick
- Astrid Caddeo provides mortgage broking services in suburbs including but not limited to: Brunswick, Carlton, Essendon, Moonee Ponds, Maribyrnong, Footscray, Northcote, Coburg, Clifton Hill, Ringwood, Port Melbourne