George Kargiotis
Mortgage Broker Woodville, Mile End, Lockleys
Obtaining finance isn’t easy and can be daunting, but I try to take all the hassles away with just one appointment. As an experienced mortgage broker, I can show you how to save on your home loan interest charges and how you can not only buy your first property, but many investment properties too.
Get a Home Loan Pre-Approval
It’s important to go to an open home or an auction and bid or place an offer with confidence, so you don’t waste your time and get your hopes up unnecessarily. That’s where a home loan pre-approval comes in to play. Even with my many years experience sourcing home loans for clients, it’s important to note that the home loan market can change rapidly, so it’s really improtant to get a full pre-approval in writing form your lender.
Getting the Right Home Loan for You
Getting the right home loan for you is so important and can make a big difference to how comfortable you are with your loan and how easily you can reduce your debt levels. I encourage and assist all of my borrowers, especially first home buyers, to build a decent deposit, which helps to reduce your exposure to fluctuating interest rates as well as give you a solid amount of equity in your property right from the beginning. Buying with a good deposit will give you an excellent grounding for building a property portfolio in the future, too.
Understanding the Home Loan Process
It’s not just first home buyers who need assistance understanding how the home loan process works, but it’s so important that every borrower knows what they are getting into when they apply for a home loan. I enjoy making the home loan process make sense, for any type of borrower.
New Immigrants to Australia
Many new immigrants arrive in Australia every week, and I have extensive experience in helping them to settle in Australia by finding the right home loan. Many of the immigrants I see come from countries where buying their own home is rare, so it’s particularly enjoyable seeing them put in the hard yards to get their reward of home ownership in their new country.
Buy Property When You Are Ready
Over the eight years I have been working in the home loan industry, I have had the great fortune to experience both the rush of first home buyers and assist investors jumping on the housing boom. So many of these clients have come back to me to say thanks for the encouragement and assistance to get into the property market when we were ready, rather than waiting to see if prices will come down. There’s a moral here: forget the news and concentrate on you. Are you ready? If you are, then go ahead.
How Much Can You Really Borrow?
I have seen clients who think they can only borrow a certain amount, because that is what their bank said. But the truth is, every lender calculates how much you can borrow differently, and many of the lenders target a specific type of buyer that may not be you. Does that mean you can’t borrow, or you can’t borrow enough? Of course not. You just need to get a good mortgage broker to look around for you, to find a lender, home loan and interest rate that suits your particular situation.
Everyone is different, and your home loan should be tailored to you. If you keep that in mind, I may be able to help you secure a full home loan pre-approval with a lender that will allow you to borrow just a little bit more at a competitive interest rate, so you can buy the home you want.
Self-employed Borrowers
Helping out the self-employed borrower with their home loan and business loan requirements is very important as more and more people are becoming sub-contractors and holders of ABNs. I enjoy showing self-employed people stress-free ways of obtaining finance at very competitive interest rates.
Sometimes a client may think they are self-employed and feel like they need to wait for 2 years worth of financials to secure a good loan, but that may not always be the case. There are lenders that do allow borrowings after only being self-employed for 6 months, and under the right conditions you may find that a lender will lend to you like you were an employee.
Professional Packages
If you are applying for a home loan or even have one already, are you aware of various professional packages that are available? Lenders used to give these out to just professionals like doctors or lawyers, but the criteria has changed significantly over the past few years to take into account how much you borrow. What that means is that I can show you how you may be able to achieve a saving of as much as 0.7% per annum on your home loan interest rate, depending on the size of your loan.
Need Home Loan Help?
If you need a home loan, I like to work with you! Particularly if you are confused about how to get started and how and when to make the next step to investor, I can provide the assistance, knowledge and experience you need. I get a big kick out of seeing first home buyers break into the market, and when home owners make that transition to property investors.
And I am keen to assist if your situation is a bit more on the challenging side too. I recently had a client that was going through the difficult task of getting divorced and needed to refinance his loan and pay out his ex partner. I was able to help him through the process and ensure that it was one less thing for him to worry about during that difficult time.
Customers Adelaide Hills
I am based in Woodville and offer home loan services to clients throughout the Adelaide Hills, including in Woooville, Royal Park, Mile End, Thebarton, Lockleys, Torrensville, Underdale, Cowendilla, Brooklyn Park and Ferryden Park.
A Part of the Community Through Soccer
I have been involved in soccer clubs since 1983 when I first kicked a ball for Port Adelaide soccer club down there in the western suburb of Elthelton. I played all my soccer at the one club and am extremely loyal and passionate, something that carries through to my professional work life as well.
I then coached at the club when I stopped playing and enjoyed my involvement in a local club. I have also coached a various school across Adelaide and loved being around children in sport (I have 4 children myself).
Just a quick note to let you know how much I appreciated and valued our experience together. (Waht an experienced that turned out to be!)
We had a huge battle on our hands from day one, I still cannot believe we finally got there, I am truly grateful for all the help, guidance and support that you gave me during the whole process. Without you none of it would have been remotely possible.
Your honesty and professional manner is something I valued very much as one of your clients. The thing I appreciated the most was the fact I felt like I was your only client when I know you have numerous, you always made time for me and I felt me and my needs were always looked after first.
I hate to think how many hours you put into setting up my loan and eventually getting it over the line, I am extremely grateful for all you have done.
I will have no reservations at all in recommending you to my friends and family, I look forward to working with you again someday.
Cameron Agars
- State: South Australia, SA
- Broker region: Adelaide
- Suburbs: Woodville, Mile End, Lockleys
- George Kargiotis provides mortgage broking services in suburbs including but not limited to: Woooville, Royal Park, Mile End, Thebarton, Lockleys, Torrensville, Underdale, Cowendilla, Brooklyn Park, Ferryden Park