Eddie Dubash
Mortgage Broker Cherrybrook, Thornleigh, Rouse Hill, Kellyville
I have been working and living in the Hills District for years with my wife and 3 children. My career in finance spans more than 17 years, incorporating lending experience with many major Australian lending institutions. Working within these organisations, I established that I was restricted by the organisations’ lending criteria and was unable to provide my clients with different options addressing their specific needs. I now find that I deal with a range of clients with diverse financial needs including first home buyers, self funded retirees, investors, shared equity mortgage clients, self employed, people with past credit issues etc. In my view, my experience makes all the difference when it comes to choosing the right professional to handle your finances. If you need finance, we will get it! With over 17 years of lending experience our clients have often commented that they felt they were in safe hands.
Making you, the customer, number one
I see mortgage broking as a VALUE ADDED SPECIALIST SERVICE, not just a front end, set & forget, one off deal for a client. I continue to monitor your loan and keep you updated if you may benefit from new offerings. In turn this ensures that your loan continues to remain competitive while addressing your personal requirements. Additionally, I am always available should you require any assistance post settlement of your loan or if your financial circumstances change. I do my utmost to achieve a solution that best meets your requirements. With my extensive lending experience, chances are I can most likely make a difference. I take great satisfaction in knowing that I have been instrumental in getting my clients into their first home or having improved their lifestyle by providing them with additional cash flow from refinancing their loan to a more cost effective option. That to me, is ultimate success in what I do.
We were extremely fortunate to find Eddie Dubash who not only organised our home loan but also helped us with our insurance needs. Eddie was most accommodating and proactive in his management of our loan and discussed and compared the various loans in easy to understand terms with us and went above and beyond the scope of his responsibilities. It took us over a year to purchase our home from the time we sold our previous home and during this period Eddie continued to stay in touch re-activating our approval with the Lender and keeping us updated on the best loan offerings. He was prompt and diligent in all his dealings with us from the time of our initial enquiry to the final settlement of the property we purchased. We found him most accommodating of our schedules and always worked around our availabilities. We would not hesitate to recommend Eddie to anyone based on our experience with him. Eddie worked tirelessly to have everything organised on time for a smooth and stress free settlement. We would like to take this opportunity to thank Eddie and his team for all their help and wish them continued success.
Nilufer Shroff Regional, Cleanaway Accountant and Ron Shroff Burson, Ford
Business community
I am actively involved in the local community and am a member of the Hills Chamber of Commerce. I have strategic alliances with solicitors, conveyancers, building inspectors, pest inspectors, accountants, financial planners, etc. In most cases I have used these professionals myself at a personal level so I am comfortable in recommending them to you.
A good mortgage broker is important
There are a multitude of home loans available today, and you need to make sure you get the right one for you. That’s where a good mortgage broker is so important. Your mortgage broker could potentially save you thousands of dollars in the long run and do all the running around and negotiating for you. Always read the fine print, take into account all the costs of a loan and above all don’t over commit yourself. You need to leave some money aside to enjoy your home and your life.
Community involvement
Community is important and I am actively involved in local events in the Cherrybrook and Thornleigh communities. Assisting local community members with their finance requirements is one of the most enjoyable parts of my job and I have helped many local people to get into their first home, consolidate their debts and increase their cash flow to better manage and enjoy life. I like to help people and I like to think that I have made a difference to peoples’ lives.
Looking for a better deal?
Often you may find that you may be looking to secure a better deal but just have not got the time or patience to get started. At other times, you may want a better deal but might not know where to start. Irrespective, I can make a difference by finding you a cost effective option and stream lining the entire process with the paperwork, loan approvals etc for you. I have been successful in assisting clients secure a better deal than they could have secured directly even though some have been in the financial industry themselves as demonstrated below.
“Our main problem was in having the time to sort through the maze of home loan offers available on the market. We met with some representatives of specific banks who, of course, promoted their banks’ current offer. Eddie was able to look across the whole market and with no ties to the mortgage providers he could put forward the best solution for us. We had confidence in Eddie’s ability to find the best solution for us. This, combined with the manner in which he interacted with us and his professionalism gave us peace of mind. Eddie was able to put forward a solution that delivered the best outcome for our specific circumstances. Despite the fact that both of us work in the finance industry we were unable to find a package that bettered (or even equalled) the solution that Eddie found for us. We would be happy to recommend Eddie to our friends. We were at all times very comfortable that Eddie would not only find the best solution for us but, just as importantly, he would work closely with ourselves and the mortgage provider to the time of settlement and beyond”.
Bruce Jones (Senior Manager, AMP) and Melissa Jones (Senior Manager, CBA), Glenhaven
“Thank you Eddie for financing our new home. We really appreciated you doing all the legwork on our behalf and presenting us with options that suited our needs as we didn’t have the time to compare different lenders and shop around. Your friendly and efficient service was what stood out to us the most and we would be pleased to recommend you to anyone needing lending advice and service.”
Peter Swan (Manager Bendigo Bank) & Sherina Swan, Coogee
First home buyers
I appreciate the confusion and the concern most first home buyers have. I see my role, as one that removes most of this confusion and streamlines the entire process for my first home buyer clients. I have a unique approach to explaining the various loan options and the fine print in a simple to understand manner. Pre- Approvals are important and I highly recommend you obtain a loan pre approval sooner rather than later. This in turn ensures you can secure the property you would like to call home.
“As a first home buyer, our major concern was, not knowing enough about the various loans that were available. It was easy to go for the lowest rate, however we didn’t know whether that was the best package for us. Eddie was very efficient and knowledgeable in his dealings with us. He not only clarified all our queries whenever we asked them (sometimes even at 9.00 PM !), but went out of his way to make us feel comfortable with the loan process. We had a potentially major issue come up when out first lender backed out at the 12th hour and Eddie successfully managed to secure a loan from a different lender. We also obtained his advice on choosing a conveyancer and he recommended a good conveyancer who took care of all the legal issues around the loan. The final outcome was that we had a loan approved and ready well before the settlement date and in fact we were able to settle 2 days before the actual due date. This helped us to carry out some renovation works and move into our home earlier than anticipated. Some of the benefits of directly dealing through Eddie were: 1/. Understanding the various loan products in great detail with one visit rather than having to visit 4-5 lenders 2/. Hassle free loan experience since all the paperwork was taken care of 3/. The feeling of being in secure hands even though issues cropped up with the first lender 4/. The comfort of being able to seek advice at any time of the day. 5/. Knowing that Eddie would keep us posted of any future developments in our loan structure and we could make adjustments. In conclusion our experience in dealing with Eddie can be summarised as excellent knowledge, professional attitude and courteous service.
Ranjit (SRA) & Vanessa Nair (Artarmon)
Before I was introduced to Eddie, I was a first home buyer struggling and confused of comparing the lowest interest rates vs bank charges at nights and busy on Saturdays mornings for open houses. With little idea of how the process should be when it came to purchase a property and working full time, owning my first property seemed to be a daunting task. When I finally found the unit and got my offer accepted, I was lucky to have Eddie referred to me by a friend. Unlike other brokers who might only care about finding a bank for my loan, Eddie has exceeded the expectation by explaining everything in great detail and guided me through all the steps in the process and found me a great loan. Eddie not only found me a great loan to suit my circumstances but also referred me onto a conveyancer at a competitive price. Eddie then took care of all documents, to make sure they were delivered to the right person, in time for my settlement so I didn’t have to take time off from work to do this. Overall my experience in dealing with Eddie was just too easy and hassle free.
Elsa Chao (HP), Carlingford
Eddie was referred to me through a friend to assist me with the purchase of my first home. I have been extremely impressed with Eddie’s quality of service. It’s a pleasure to deal with people who know the meaning of efficiency. I was extremely stressed and confused in regards to applying for my first home loan. Within 5 minutes of our conversation, Eddie put me at ease with simplifying options in a very clear manner. Eddie truly has a gift for discussing things in truthful yet amusing ways. Throughout the entire process from start to finish I have always been at ease and have been very pleased with Eddie’s responsiveness and the way he conducts business. I am happy to recommended Eddie to others. Strangely enough I now find myself saying ‘ I have a really good friend who can help you with your mortgage options’. I sincerely appreciate your support and we look forward to many more years of a continuing relationship.
Anu Wani (CBA), North Ryde
Being first home owners and relatively new to Sydney, Maggie and I were having our fair share of doubts about getting into the property market within our first year of settling in here. Eddie’s professionalism and his dedicated ‘personal touch’ in explaining the T&Cs and potential pitfalls made the whole journey so much easier for us! Another point worth mentioning is his remarkable speed in getting things arranged and finalised in record time – which was extremely important when it came to securing our dream property. I would strongly recommend Eddie to any first home buyers in the market as Eddie’s service is not just an ‘one off’ thing, his continuous efforts in getting you the best deal will save you heaps in years to come! Thanks for all the help Eddie!
Jason Wong (Optus) and Maggies Sung, Cherrybrook
Refinance and debt consolidation
My view is, rather than make payments on your home loan, car loan and several credit cards, in most cases you may be better off consolidating all these debts into the one loan with a single payment each fortnight / month. Often the interest rate applicable on your home loan is a whole lot lower than rates on your car finance and personal debt. So, it makes senses to avail of a lower rate and pay off your debt faster. However you need to keep in mind that the typical home loan runs for 25 – 30 years and you may want to make additional payments into the loan (whenever possible) otherwise you may find that you may end up paying off your car over 25 years. I am available to work out these repayments and savings for you. I have successfully assisted in saving my clients a substantial amount of money each month by refinancing to a lower interest rate and consolidating personal debts.
“We were looking to refinance our current loan for the reason that the interest rate was too high and lack of communication from our current lender. After a year of trying to refinance our loan with several different banks and other lenders we searched the internet and found Eddie. To the lead up to the approval of our new loan, Eddie always kept in contact with us, to let us know where we were at all times. We always found Eddie very understanding of our wants and needs. With Eddie’s help our financial outcome is now far better that we ever expected. Not only did we get a great rate but we also now have our credit cards paid off as well. Eddie never promised anything without delivering, which was most important thing to us as we have previously been let down so many times by other lenders. Overall Eddie has been extremely helpful, easy going and easy to talk too. We highly recommend Eddie Dubash and JD Mortgage Consulting to anyone. Eddie, Eddie, Eddie is the best!!!”
Richard Manes (AAMI) and Jasmin Manes (Westmead Hospital), Blacktown
In one word, Eddie was great. We attempted to re-mortgage with all of the major lenders for over 18 months and each time we were unsuccessful. After meeting with Eddie we were able to work out a strategy to increase our chances of success, this advice came as a direct result of Eddie’s many years within the personal finance and banking industries, he knows how they work. This resulted in our achieving our financial goals and getting that all important re-mortgage that we needed. We now have a lifestyle.
Eddie & Anita Knight, Cherrybrook
Home relocation
Having sold our own home recently and purchased another we understand what our clients go through. In fact a recent survey suggested that relocating homes causes the maximum stress after the loss of a family member. While you are busy preparing your current home for sale or looking for a new home we can sort out all the finances for you and remove that element of worry. Often, simultaneous settlements may be required and we can liaise with your legal representatives, real estate agents etc to make it all happen for you on the big day.
“We would like to thank Eddie for all his efforts in successfully helping us to finance our move from the present house to our new home. We have had experience with other mortgage brokers, but what differentiates Eddie from others is his ability to understand the client’s emotional and financial needs and coming up with the perfect loan option that best met our financial needs. We were very impressed by Eddie’s professionalism, personal touch, speed in getting approvals from finance institutions and most importantly discussing all our financial needs out of office hours. Due to Eddie’s efficiency and effectiveness we could concentrate our energies on the sale and purchase of property rather than worry about finance matters with financial institutions. We would be more than happy to recommend Eddie to our group of friends.
Viraf Variava (Chief Accountant, Centenary Institute of Cancer Research) & Goolshun Variava, Kellyville
Overseas clients
I am familiar with the banks that will provide funding to applicants based overseas, having placed several of these loans recently. From a logistics standpoint, the fact that you may be overseas and looking to buy a property in Australia is no different to than if you were here. Differing time zones, etc, are of no consequence and we can also recommend solicitors who may be able to work outside the traditional business hours to make it happen for you.
“The experience with Eddie has been very positive despite the fact that we living in London at the time. The professionalism exhibited by Eddie in ensuring that all the bottlenecks were cleared in an acceptable timeframe ensured that the geographical distance / time was never an issue for Eddie. Eddie arranged finance for our new investment property and refinanced our current investment property at the same time. The entire transaction was entirely seamless and before we knew it Eddie had all the approvals in place keeping us updated at all times. Eddie’s recommendations in relation to the lenders, solicitors, building and pest inspectors ensured that the quotes were competitive and the transaction was completed ahead of time and our expectations were exceeded. To say the least, two things spring to mind in relation to our experience with Eddie: Personalised attention and service even outside business hours and professionalism”.
S Bahatnagar (Head of Corporate Banking, HSBC Oman)
Property value
With the property market the way it is, it is important to know up front what your home may be worth before you consider refinancing. Alternatively if you are looking to purchase a home you may like to know the price the property was last transacted on. We have access to RP Data and can provide to you at no additional cost information about the value and attributes of the property. At times I have found that I am also successful in appealing a valuation estimate provided by the bank with the information I can extract from RP Data.
Private mortgages and short term finance
Private Label is designed to suit those customers that fall outside the Low Doc parameters and need a more creative approach to meeting their financial needs. Circumstances where Private Label may help is when; urgent settlement is required, poor credit history, no financial data available, existing lender forcing a refinance.
Funding is sourced via specialist mortgage funds and private investors. It is networking through this huge funding channel that we can deliver the necessary results, whatever the circumstances. In short, Private Label is there when all else fails. If you have a temporary cash flow issue due to acquiring property or expanding an asset, we can assist you with setting a sound bridging loan and securing finance.
Our efficiency and speed mean you will always get the deal over the line and achieve your financial goals. A short term bridging loan incurs a higher interest rate than a conventional long term mortgage. However, the loan is set in such a timely manner, often within hours, which can be invaluable when time is not an option.
We have access to a range of Private Lenders we can provide funding through.
Client feedback
“Eddie, I wanted to quickly thank you for all of your support and assistance in arranging the re-financing of my home loan. Your immediate response to my enquiry and flexibility in arranging to meet me outside of traditional business hours was greatly appreciated. Being able to access so many lenders and loan options and with your assistance select the product that was right for me has provided me with a great deal of comfort and peace of mind. Not only have you saved me money on my monthly loan repayment but your attitude and how you handled the whole process from go to finish made me feel important and confident that we were in good hands and that our interests were being attended to. Once again thank you for all you help! I look forward to discussing and taking out more loans with yourself in the future”.
Joe Nassr (Senior Programmer HP), Castle Hill
“I would like to thank Eddie for all the support Eddie has provided us over the years in organising our loans. Eddie’s response to our queries has been outstanding and the flexibility in meeting outside traditional business hours and locations has been excellent. By having this level of service it gave the confidence of having a personal mortgage broker. Eddie has gone the extra yard to ensure the best deal on offer is available for his client. Eddie always has time to listen and discuss options. Thanks very much for your help over the years”.
Sandeep Bidkar (Optus) & Aneeta Bidkar (Sydney Water), Penshurst
Eddie Dubash has been my finance broker / partner for a few years. His professional manner and excellence in customer service have been outstanding right through. In particular, his attitude and service levels have been of a very high standard right through the tenure of the financing arrangement. I commend Eddie to you as a finance broker with impeccable ethical standards who will provide you with significant satisfaction with your financial arrangements. I totally trust Eddie with my past, current and future financing requirements. I am certain his honesty and goodwill will take him places.
D A Kanga Hornsby Heights
- State: New South Wales, NSW
- Broker region: Hills District
- Suburbs: Cherrybrook, Thornleigh, Rouse Hill, Kellyville
- Eddie Dubash provides mortgage broking services in suburbs including but not limited to: Cherrybrook, Thornleigh, Glenhaven, Coogee, Artarmon, North Ryde, Blacktown, Kellyville, Penshurst, Hornsby