Gary Phillips - Mortgage Broker Paddington, Bondi, East Sydney

Mobile: 0413 100 302 Fax: +61 2 8580 4656
Trading entity: Gary Phillips
Contact: Gary Phillips, mortgage broker

My banking and financial experience dates back to the early 1980s, and I have been in mortgage broking specifically since 2003. Over this time I have helped hundreds of customers attain the right loan for their situation.
With access to home loans from our panel of lenders, which includes major banks and secure lenders, I will work with you to find the most suitable loan from hundreds of loan products. And I negotiate with the lenders to get you better interest rates.

Customer service is my priority

Your own financial situation and home loan requirements will never be exactly the same as the next person. It’s vital to never assume, and I ensure I listen to your needs and then work with you to find a suitable home loan with the appropriate structure, features and banking styles for your needs. My service is ongoing after settlement, with educational newsletters and continuing loan support.

No deposit and low deposit home loans

Although not as common as they once were, if you have only a small deposit, you may be able to secure a low deposit or no deposit home loan. Low deposit and no deposit loans typically come with more conditions and serviceability requirements, and the costs may be slightly higher than if you have a larger deposit. If you can service a loan but may not be able to save a deposit, a low deposit or no deposit loans may be the solution your require to purchase property.

First home buyers, new home purchases, investors

I have extensive lending experience with all kinds of loans across a broad range of lenders. Whether you are a first home buyer, refinancing your home or purchasing an investment property, I can help you find a competitive home loan option that suits your situation.

Complex Loans

While I have experience in a number of loan types, I quite like the detail and challenges of the more complicated scenarios. I have had some customers be referred to me after being given a ‘no’ from a lender, which allows us to dig a little deeper into the problems, and usually find solutions for the borrower and lender.

Commercial Finance

Each business situation is unique, and so it’s no surprise that business finance for funding, leasing or structuring requirements is also unique. I can offer a range of solutions from suitable commercial lenders to suit your situation, from simple advances against residential securities, through to leasing and complex business scenarios.

How the loan process works

Even for experienced borrowers the home loan application to approval process can be a bit confusing, but it is especially so for first home buyers. As your mortgage broker, I will act as the conduit between you, the lender, conveyancer, solicitor and real estate agent to ensure the process runs smoothly. After your initial home loan consultation, I will:

• Assist with all application and supporting documents
• Help ensure fast approvals and smooth settlements
• Provide constant communication and updates at all stages

Community involvement

As a board member of a successful Sydney club, I help give a detailed understanding and comprehension of financial statements and running a successful business.

Customers Sydney Eastern Suburbs

I have clients throughout the Eastern Suburbs of Sydney including Dover Heights, Bondi, North Bondi, Bondi North, Rose Bay, Double Bay, Rushcutters Bay,Vaucluse, Bondi Junction, Edgecliff, Sydney – City, Paddington, Woolahra, Bellevue Hill, Darlinghurst, Woolloomooloo, Randwick, Coogee, Maroubra, Surry Hills and Cronulla. I am also experienced at working with interstate clients and currenlty work with a number of borrowers in Perth.

Gary Phillips has assisted me over a number of years in obtaining finance. Over that time I have come to rely on and trust his advice. Gary is very approachable and always responds promptly with detailed and pertinent information to any query I have. Gary also keeps the lines of communication flowing between all parties and is highly proactive in ensuring I understand all my finance options and helps in pointing me to the right financial product for my needs. Gary goes beyond just assisting with finance, as he always helps by liaising with the mortgage companies, conveyancers and other third parties to ensure that the transaction not only closes but does so in a way that I am satisfied with. I also love the fact I can bounce ideas around with Gary so that we can collaboratively come up with the best result. Gary is also very adaptable and practical, so when anything tricky surfaces I am always confident in Gary coming up with a practical and timely solution and I can rely on him being available to help me implement it. Lastly I am always confident in going back to Gary for my financing needs because as much as he focuses on my current finance requirements, he also understands my overall position and long term financial goals and I because of that I feel comfortable knowing that Gary will be there to help when my latest needs arise.
Richard Winter, Rabobank

Just wanted to send you an email to say thanks for all the hard work you did to help us get our mortgage. It was a long process and we finally did it with you help, it is much appreciated. We ended up moving in on the settlement day, all the furniture and stuff was in by 6pm and we slept in our new room, over the following days we set everything up and had many visitors. We are very happy with the place and the neighbourhood. Scott has started striping paint off doorways and doing bits and pieces.
We will have you over when I get back in a few weeks, I am in Japan right now, the show is a total sell out here.
Gavin

 

For more information on home finance or to talk to Gary Phillips

Contact Gary Phillips, or call us any time on 13LOAN

• State: New South Wales, NSW
• Broker region: Sydney City
• Suburbs: Paddington, Bondi, East Sydney
• Gary Phillips provides mortgage broking services in suburbs including but not limited to: Dover Heights, Bondi, North Bondi, Rose Bay, Double Bay, Rushcutters Bay,Vaucluse, Bondi Junction, Edgecliff, Sydney, Paddington, Woolahra, Bellevue Hill, Darlinghurst, Woolloomooloo, Randwick, Coogee, Maroubra, Surry Hills, Cronulla

Documentation Checklist	Home Loan Approval Process	Mortgage Reduction Tips