Greg Oostenbroek - Mortgage Broker Noosa Heads, Caboolture, Gympie

Mobile: 0412 371 332 Phone: +61 7 5446 7311 Fax: +61 7 5446 7322
Business address: 5 Stevens Street, Yandina QLD 4561
Trading entity: Grevan Enterprises Pty Ltd

Contact: Greg Oostenbroek, mortgage broker

I believe in building relationships with my clients that last beyond the loan settlement through providing a comprehensive service and home loan service incorporating timely information and feedback each step of the way. I am truly passionate about helping with your finance needs and by entrusting me with the responsibility of finding you a home loan, I become your dedicated personal Mortgage Broker for life.

Old-fashioned customer service

What sets me apart from the large number of Mortgage Brokers offering their services in today’s competitive market is genuine, caring, good old fashioned service! I have worked with clients from all works of life from first home buyers requiring a no deposit home loan to high income and net worth clients. We treat all clients as equal because at the end of the day they all have something in common, they want to get the loan that suits them best with the minimum of fuss.

First home buyers

Each client has their own specific needs, perhaps none more so than first home buyers. To ensure you are comfortable and confident, I provide you with as much information as possible about the home loan process, possible home loan products and your repayment options. If you have only a small deposit you may require a no deposit or low deposit home loan or other specialist home loan product, in which case I will walk you through any additional requirements such as Lenders Mortgage Insurance. I also provide assistance with securing the generous First Home Owners Grant and any stamp duty concessions you are eligible to receive.

We found the service A-Grade! No question was too silly! We felt comfortable and confident that all would go well through the whole process. Love you guys! John and Louise, First Home Buyers from Kuluin

Finance for property investors

Investors, whether they are first time or experienced investors, have usually purchased a property before and have a good general understanding of the loan process. However, depending on your investment position and goals, the finance structure you require to maximise your earnings and any tax benefits can differ substantially. Some lenders may have restrictions regarding the use of Trusts and other complex financial situations in investment situations.

After dealing with Greg and Vanessa on many occassions we were asked if we could suggest any improvements to the service they provide. Our only comment – “you can’t improve on perfection”.
Gary and Jan, investors from Murrumba Downs

Home loans for self-employed borrowers

Like many people on the Sunshine Coast, if you are self-employed or own a small business you may require a different type of home loan, generally a Low Documentation (Low Doc) loan. Not all lenders are the same and not all lenders have the same policies when it comes to this type of facility. My job is to match your specific criteria and situation to the lender that will provide the right finance for you.

It would have made life so much easier over the past 40 years if we only had Greg and Vanessa to arrange our Home and Business loans. I cannot thank Greg and Vanessa enough.
Michael and Carol, retired from Battery Hill

Low doc loans

One of the most common questions I get asked is: What is a Low Doc loan? Basically, lenders know that many self-employed people have difficulty evidencing their income for the purposes of servicing a loan. If you have been self-employed for over two years with an ABN, many lenders will accept a “statement of income” as evidence without the need to provide full tax returns or pay slips, hence the term Low Doc. Although these loans are usually limited to a maximum of 80% of the property’s value they provide a much simpler option for self-employed borrowers to obtain a loan.

Refinancing

In an ever-changing market, interest rates and repayments can have a huge affect on household expenses. An important part of my job is to provide you with sound advice and options when it comes to assessing your existing home loan for effectiveness. Perhaps another lender is offering a better deal or your fixed rate is due to expire and you want to make sure you shop around to keep your current lender honest. When refinancing has been required, I have successfully negotiated a better deal for clients either with their existing lender or elsewhere. Using my knowledge of the home loan market and contacts with the lenders, I can negotiate a home loan deal you may not achieve by going direct to the banks.

Home loan pre-approval

Shopping for a new home is exciting but the negotiation of the best price depends on many factors, not the least of which is the length of the finance clause you require on the contract. It’s important to remember that when you offer a vendor a price and sign the contract with a 14 or even 21 day finance clause, they are taking a bet that you are in a position to buy. Based on this “bet” they are essentially taking their property off the market for the length of the finance clause. Asking them to do this whilst also asking them to agree to the price you are offering may be stretching your luck. Now imagine that you go to the same vendor with a pre-approval and ask for a maximum of seven days for finance. This contract looks much more attractive and perhaps may get you the property at the price you are willing to pay. How much does a home loan pre-approval cost you? Nothing! The only time you incur any costs is when you find the property you want and the lender orders a valuation to proceed to full approval.

Non-conforming loans

Non-conforming loans are available to clients who have adverse credit history. The focus for these clients is not what interest rate will be, but rather on making repayments and clearing their credit history. Non-conforming loans offer a more flexible approach to clients in these situations so that they can build their lives without having to constantly suffer for their past. Many mainstream lenders will not consider these types of loans so it’s important to know which non-conforming lenders will suit your situation and offer a home loan package that allows you to switch to more standard terms and costs as soon as possible.

Home loans for all situations

There are many other types of loans in the market including:

• professional package
• basic variable home loans
• line of credit facilities
• fixed rate loans
• split loan facilities

Complex financials

My background encompasses both banking and financial planning experience, which has given me a vast knowledge of different loan structures including complex financial situations such as purchasing through a Trust. This knowledge is particularly effective when working with your accountant and/or financial planner on the most effective structure for your borrowings and future goals as we are all on the same page.

Community support

I am a passionate supporter of local clubs and current sponsor the Noosa Touch Football team.

Sunshine Coast customers

I cover anywhere from Brisbane to Gympie including but not limited to Kallangur, Caboolture, Redcliffe, Deception Bay, Maleny, Bli Bli, Twin Waters, Yandina, Eumundi, Sunshine Beach, Noosa, Tewantin and Gympie.

 

For more information on home finance or to talk to Greg Oostenbroek

Contact Greg Oostenbroek, or call us any time on 13LOAN

• State: Queensland, QLD
• Broker region: Sunshine Coast
• Suburbs: Noosa Heads, Caboolture, Gympie
• Greg Oostenbroek provides mortgage broking services in suburbs including but not limited to: Kallangur, Caboolture, Redcliffe, Deception Bay, Maleny, Bli Bli, Twin Waters, Yandina, Eumundi, Sunshine Beach, Noosa, Tewantin, Gympie

Documentation Checklist	Home Loan Approval Process	Mortgage Reduction Tips