Daniel Pym - Mortgage Broker West Sydney, Pennant Hills, Castle Hill

Mobile: 0412 838 490 Phone: +61 2 9484 8916 Fax: +61 2 9875 3222
Business address: Shop 51A Cherrybrook Village Shops, 41-47 Shepherds Drive Cherrybrook NSW 2126 OR 1/564 Pennant Hills Road West Pennant Hills NSW 2125
Trading entity: Mortgage Break Pty Ltd
Additional qualifications: Justice of the Peace, Diploma of Financial Services (Financial Planning), Diploma of Financial Services (Finance/Mortgage Broking Management), Advanced Diploma of Financial Services (Financial Planning)

Contact: Daniel Pym, mortgage broker

I have 10 years experience in the mortgage industry, working predominantly in Sydney’s west. I have worked both for myself and for a national mortgage company.

My time in the industry has shown me the best thing you can do for your financial well-being is to do your homework, talk to experienced people who understand your options, and obtain a loan pre-approval which will put you in the best position to negotiate on a property.

First Home Buyers

First home buyers fall into all categories from big deposits to no deposit at all. It doesn’t matter whether you need to borrow up to 100% of the purchase price, have a 3% deposit, a 50% deposit or are able to use your parents property as security, I have assisted people to secure great loans with great interest rates.

I also explain the borrowing process, help you work out your borrowing capacity, discuss the pros and cons of fixed and variable rate loans, and help you apply for your First Home Owners Grant. I have even assisted first home buyers to save money on their Lenders Mortgage Insurance.

Property Investors

I used to be a real estate agent specialising is selling investment properties. I have existing clients who have in excess of 30 investment properties each and who are constantly buying and selling. I understand how to structure your investment finance to maximise your negative gearing benefits, protect your cashflow and provide a safety net. A lot of the success I have had with my property investor clients is because I understand the risks and try and manage them with appropriate finance packages. Generally property investor clients have large loan amounts and I have had a lot of success in negotiating good rates and features on behalf of my clients.

Very quickly after meeting Daniel, we felt extremely comfortable that he was synchronised to what we were trying to achieve, and was able to show us and recommend a range of products that…provided us an optimal loan structure and saved us thousands of dollars per yer in interest payments. Such is our confidence in Daniel, we have entrusted him to broker mortgages for 3 additional properties…We highly recommend the services of Daniel to both owner-occupiers and investors alike.
Darren and Jennifer, Hornsby

Consolidation Loans

One of the first things I look at when meeting with clients is how can we streamline their finances and simplify the loans they have. There are two common scenarios I come across. The first one is purchasers who are looking for a home loan, but also have a credit card and/or personal loans. I find ways to finance them all into the one loan, reducing the interest and making the debt easier to keep track of. The other scenario is where clients are existing home owners and have multiple other finance facilities. This can be difficult to manage, so I help clients understand their options regarding consolidation.

Low Document Loans/ Self-employed

I have been self-employed for 8 years now I understand the perception that finance can be hard to obtain for self-employed people. That is why low document loans are so popular with lenders – they can alleviate the need for onerous supporting documents like tax returns and company financials.

I have been able to secure low documentation loans with competitive interest rates for clients through a simple declaration and use of existing property as security. The current market uncertainty arising from the US sub-prime market problems may have made this a slightly more challenging but I am still seeing good results for clients in this situation.

Credit Impaired Loans

Typically these types of loans are for clients in some form of distress, whether it is mortgage arrears, business failure, or even if business partners have taken the money and run. What I find most clients need is an easy, quick, short-term solution to get them back on their feet and eventually back into a mainstream lender. I have been able to assist by negotiating lower fees and interest rates, organising private mortgages and stopping lenders selling the property to reclaim money.

Bridging Loans

Bridging Loans are a way for you buy a new property without having to sell your current property first. By considering a bridging loan, you can be in a position to act straight away. I work with lenders who specialise in bridging loans and as long as you understand the ins and outs, it can be a very good loan to take advantage of.

I can also help you if you are: on probation; require commercial, construction or company lending; or have a complex loan situation.

Additional qualifications

I am an authorised Justice of the Peace. I also hold a Diploma of Financial Services (Financial Planning).

Australian Financial Services License
The Authorised Representative Mortgage Break Pty Ltd (331938) is an Authorised Representative of Pivotal Financial Advisers Limited (AFSL No. 237857)

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Sydney North West customers

West Pennant Hills, Castle Hill, Cherrybrook, Dural, Baulkham Hills, Kellyville, Beecroft, Winston Hills

Business networks

Ray White West Pennant Hills: Principal Dean Muriti Office Address 1/564 Pennant Hills Road West Pennant Hills NSW 2125 Phone: 02 9479 3000 mobile 0412 181 836

Ray White Cherrybrook Principal Damien Clarke Office Address Shop 51A Cherrybrook Village Shops, 41-47 Shepherds Drive Cherrybrook NSW 2126 mobile 0402 036 300

Ray White Kellyville Office Address 38 Windsor Road Kellyville NSW 2155 office phone 02 9629 1388

Ray White Castle Hill Andrew McDermott & Kellie McKenzie 19/15-17 Terminus Street Castle Hill NSW 2154 office phone 02 9680 2255 mobile Andrew 0410 598 397 Kellie 0416 238 677

Translease Principal Philip Barclay Level 6, 504 Pacific Highway St Leonards NSW 2065 office phone 02 9467 9900 mobile 0411 196 066

As a property investor there are opportunities which don’t allow a lot of time to act. I have found in these circumstances Daniel has been most helpful in speeding up the finance process allowing me peace of mind to attend to other aspects of purchasing the property. As a result of my dealings with Daniel, I would have no hesitation recommending his services to any prospective customer requiring finance.
Vanessa, Baulkham Hills

 

For more information on home finance or to talk to Daniel Pym

Contact Daniel Pym, or call us any time on 13LOAN

• State: New South Wales, NSW
• Broker region: Hills District
• Suburbs: West Sydney, Pennant Hills, Castle Hill
• Daniel Pym provides mortgage broking services in suburbs including but not limited to: Sydney North West, West Pennant Hills, Castle Hill, Cherrybrook, Dural, Baulkham Hills, Kellyville, Beecroft, Winston Hills

Documentation Checklist	Home Loan Approval Process	Mortgage Reduction Tips