John Paine
Mortgage Broker Newcastle, Toronto, Belmont
Ask me how to pay off your loan sooner or maximise your cashflow if you are investing. It will amaze you how simple things can make such a big difference.
Qualifications
Diploma of Financial services (Financial Planning)
Get Your Budget Sorted
With experience as a financial planner a specialty of mine is to provide budgeting assistance to help you save a deposit and get in the right financial frame of mind for having a home loan. Particularly for first home buyers, a good budget can make a world of difference to how long it takes you to be ready to purchase property and how you cope with a home loan once you have one.
Release Your Equity
Releasing your equity, particularly as an investor, can open up many opportunities to you in a financial sense. This may include making building your property portfolio easier and faster, something which could have a huge effect on your net wealth further down the track.
First Home Owners
I help first home buyers to understand the property purchasing process, and provide guidance on home loan features and benefits so that my first home buyers are armed with all the information they need to choose a home loan that suits them. As a first home buyer, you may also be entitled to the First Home Owner Grant and other state government subsidies; I can help you to determine your eligibility and apply for any assistance available to you.
To make the home buying process smoother I can also provide the details of quality professionals in real estate, conveyancing and pest & building inspection.
I really enjoy helping first home buyers purchase their first home as I remember this experience as being one of the most memorable moments in my life. If I can assist others in living their dream of home ownership then I will do everything possible to make this happen.
Property Investors
As an avid property investor, I help investors with the structure of your property investment loans in order to help maximise your borrowing capacity, minimise costs and maximise cashflow. I will work with your accountant and/or financial planner to structure your property investment loan or loans, to take advantage of tax benefits and asset protection.
Cross securitisation can be a costly aspect when building a portfolio and knowing how and when to use this is very important. Equity release can also be very important to investors and I have assisted clients in achieving purchases they thought were beyond their reach with these strategies.
Investors who are just starting out may like to take advantage of qualified experts that I can refer them to when establishing a property portfolio to maximise their taxation benefits and maximise their cashflow.
Choosing the Right Home Loan for You
Understanding the general properties and applications of a range of home loans can assist you when it comes to choosing the right home loan for your situation.
Basic Variable
If you are looking for a low cost, low feature loan this may be a solution for you.
Fixed Rate Loans
Feeling uneasy about interest rate rises? Take out a fixed rate loan and you know what payments are for that fixed term.
Capped Rate Loans
These are newer loans to the current market and provide the flexibility of a variable rate loan until rates reach a maximum interest rate – the capped rate. One way to hedge your bets on rising interest rates.
Split Loans
This is an alternative and traditional solution to rising rates – Fix some of your loan for security and keep some varaibale to give you the flexibility to repay extra off your loan.
Professional Packages
Great for investors and if structured correctly can reduce fees significantly whilst providing flexibility on loan types.
Lo Doc Loans
Self employed and full financials not available? I can help with a Lo Doc loan in most instances.
Make Sure You Plan Ahead
My most preferred customer is a customer that is planning, and a big part of planning is obtaining a home loan pre-approval. I’ve consistently found that clients who have a home loan pre-approval have more confidence in purchasing a property and can also have a little more bargaining power with agents. Knowing that a valuation is normally the only thing that stands between you and your home can also take a lot of the stress out of this part of the process.
Home Loans for Defence Personnel
As a former member of the defence forces, I understand not only your time restrictions, but the service allowances and benefits available to you, including the defence housing schemes.
Business Connections to Make the Home Loan Process Easier
I keep clients informed on the progress of their application regularly. I work with clients, solicitors, agents, accountants and financial planners to ensure the loan is structured and processed as quickly as possible. Each application is given the same level of care as if it was for my home, so I take great pride in making each application successful.
Real Estate Agents
Ray White Toronto
Ray White Port Stephens
Taxation & Accounting
I have a long relationship with a local accountant – Ross Merrick Accounting & Taxation services. Ross has over 20 years experience in taxation and is very professional. He not only provides great service but tries to educate as part of his service so clients can maximise their tax deductions.
Tax Depreciation
TDS are specialists in tax depreciation and provide a quantity survey report that can be used by your accountant to claim the maximum non-cash deductions available for you. This relationship is very much a value-add connection that can benefit investors.
Customers Newcastle, Lower Hunter
I enjoy working with all customers, from the professional industries to mining, defence, hospitality and health. Whether you want to purchase your first home, are looking at refinancing your existing home, or are upgrading or investing, I am here to provide the right solution for your needs. I just want to help people realise their dreams.
I work with home loan clients in the Newcastle and Lower Hunter areas, including Lambton, Rankin Park, Cardiff, Glendale, Edgeworth, Toronto, Balmoral, Woodrising, Coal Point and Speers Point.
- State: New South Wales, NSW
- Broker region: Newcastle and Hunter Region
- Suburbs: Newcastle, Toronto, Belmont
- John Paine provides mortgage broking services in suburbs including but not limited to: Newcastle, Lower Hunter, Lambton, Rankin Park, Cardiff, Glendale, Edgeworth, Toronto, Balmoral, Woodrising, Coal Point, Speers Point