Claude Rotstein
Mortgage Broker Brighton, Frankston, Elwood
I offer an effective, hassle-free service and pride myself on customer care. My mortgage broking expertise ensures you are well-informed throughout the entire process and that I will cater to your individual needs and requirements.
My team and I have number of resources available to you, including an extensive knowledge base built from many years of experience, a personal assistant, and a referral network of solicitors and accountants, all working together to secure the best loan for you and your family.
Get effective face-to-face advice without leaving the comfort of your own living room or office. Experience a service that goes above and beyond expectations…any-time, any-place, I make it my business to work around your busy lifestyle. I offer home or office appointments at a time that is convenient for you.
RP Data reports – property value information
Make an appointment with me and I will provide you with up to three RP Data individual and property reports valued at $150.
RP Data provides up-to-date postcode specific information such as previously reported sales results, suburb demographics, median sales prices graphed over 10 years, and area maps with points of interest such as schools, libraries, hospitals, police and fire stations.
If you are thinking of making an offer, this valuable resource will give you the essential knowledge to base your offer price on. For those of you refinancing, don’t guess at your homes value – compare it with the actual recent sales in your street and area.
Customers and loans
I have an acute understanding of an ever changing market and its trends, based on 9 years of industry experience, in addition to my ongoing lender and product research. It is my quest to offer the highest of industry standards to you.
I believe that great customer service starts with sincerity. I do not charge any brokerage fees. I offer practical advice and am always upfront regarding establishment, valuation and ongoing fees relating to individual lenders and their loan products. Because of my ongoing relationship with them, I can sometimes negotiate a lower rate with several lenders, equating to additional savings for you.
Low doc loans
With the recent changes to lender-specific low doc policies, don’t risk multiple credit enquiries on your credit history, (which can happen when your application to lend is unsuccessful, which in turn means applying for the same loan with another lender).
I have researched Loan Market’s extensive panel of lenders regarding their complex new policies on low doc loans, which means I can recommend the right lenders for your specific low doc application requirement.
Loans for the self employed
Complex scenarios are my specialty. I have a strong understanding of company and trust tax returns, which means I can maximize your borrowing capacity by extracting accurate information from your returns – in turn recommending the lender that will apply your figures in the best light.
Did you know some lenders will only require and use your most recent year’s trading figures to ascertain your borrowing capacity? However, most lenders average out your last 2 years profits and distributions.
First home buyers
Keeping up-to-date on lenders genuine savings requirements, First Home Owners Grant entitlements and maximum lending ratios will help you into your first home as quickly as possible.
Investors
Interest only, lines of credit, interest in advance, equity release – these and more are the loan options I can discuss with you, and structure your finances correctly in order for you to maximize your returns and multiply your investment portfolio.
Refinancing
Why refinance if topping up your existing loan will have the same effect for you? I will always recommend the best move forward for you, not based on my commissions, but based on saving you money.
I rely on repeat business, not direct marketing, so making the best recommendation to you is why great word of mouth referrals spread for me.
Reverse mortgages
Asset rich, income poor? There is a loan specifically designed for Seniors over the age of 65 with equity in their property. This mortgage allows borrowers to release equity from their home without the need to be earning any income or sell your home, or make any repayments for the life of the loan. Take a well-earned holiday, or use the funds to take monthly draw-downs to supplement your income.
Other home loan services
Call me for a free home loan health check. I will compare your current loan to hundreds of others to see if a different mortgage may be more suitable, potentially saving you thousands of dollars and lowering your monthly repayments.
Thinking of fixing your interest rate? How would you like a low variable rate today that is guaranteed not to exceed a capped rate (capped at 7.5% as of 9/11/09) for the next 3 years? Sound too good to be true? Ask me how I can arrange this great unique market-leading loan for you.
Insurance
I can also provide you with on the spot, hassle-free life insurance at competitive rates through Australian Life Insurance. You will receive 3 months free cover, giving you time (while you’re covered) to consider your needs and whether the cover offered is adequate. Australian Life Insurance will also be happy to quote you on Building, Contents, and Income Protection Insurance.
Qualifications
- Certificate IV in Financial Services (Finance/ Mortgage Broking)
- Accredited for Commercial Lending
- SEQUAL accreditation as a Reverse Mortgage Consultant (RMC)
- State: Victoria, VIC
- Broker region: Melbourne South
- Suburbs: Brighton, Frankston, Elwood
- Claude Rotstein provides mortgage broking services in suburbs including but not limited to: Mordialloc, Hampton, Hampton East, Cheltenham, Moorabbin, Elsternick, Brighton, Cauldfield, Carnegie, Elwood, St Kilda