Nathan Swain

Mortgage Broker Northern Gold Coast, Main Beach, Ashmore

With 10 years experience in the finance industry, five years as a mortgage broker and five years as a senior credit manager, I have extensive knowledge of the home loan market. I always have my clients’ best interests at heart, but my sincere advice to anyone thinking of borrowing is: never assume anything – always ask questions because not understanding something about your mortgage may cost you money in the long run. Don’t be afraid to ask even if you think it’s a silly question; I am happy to answer any query you have no matter how small.

First home buyers

Many first home buyers aren’t too sure about how much money they can borrow and what that might relate to in a weekly repayment. I tend to work backwards by asking how much you think you can allocate to a mortgage and show you how much this would allow you to borrow. A home loan pre-approval is always a good place to start because knowing how much you can borrow gives you confidence. My advice is to secure pre-approval at your maximum budget, so you don’t fall in love with a property that is out of your reach.

First home buyers are yet to experience the highs and lows of purchasing property and can sometimes stress over things they need not worry about. I touch base with them every other day just to say hello and reassure them that everything is on track. I also help complete and explain all mortgage documentation and First Home Owner Grant certifications.

On behalf of Lea and myself I would like to extend our gratitude to you with regards to the mortgage you arranged for us. Your professional service and knowledge of the mortgage market certainly benefited us through the process. We thank you for negotiating a better than market interest rate and would have no hesitation suggesting your services to either friends or family.
David & Lea G, Benowa

Low documentation and no documentation loans

I see a lot of self-employed clients who are looking for finance and have been turned down for traditional loans. Low Doc loans typically suit self-employed borrowers whose financials are yet to be completed. As a self-employed borrower, the onus is heavily placed on you to ensure you can in fact afford the loan. With a good understanding of these loan types, I will be frank about your prospects at our initial meeting – if I don’t think you are able to service a loan at this stage I will work with you to get you to a point where you can secure and service a loan. Lending for low doc loans is usually kept to 80% of the property value.

Complex finance and commercial lending

My accounting degree and mortgage qualifications, enable me to assist clients with more complex transactions including commercial lending and tax structures. In many cases, my knowledge and experience in this area has enabled clients to secure a property and produced substantial savings.

Lesley and I would like to thank you for your professional advice and conduct in our recent dealings to secure a mortgage for our home purchase. We appreciate that ours was not a straightforward application and that we had extremely tight timeframes to work with. On both counts you delivered.
Ian and Lesley H, Arundel

New to Gold Coast – interstate, New Zealand, United Kingdom

If you are new to the Gold Coast, either having moved interstate or you are new to Australia, I work extensively with borrowers who are new to the Gold Coast. I particularly see a lot of new arrivals from New Zealand and the UK. I explain the differences in the home loan application process and make the borrowing process smoother for you.

Justice of the Peace

I am a registered Justice of the Peace in both Queensland and New South Wales

Customers

I cover mostly the northern suburbs of Gold Coast, including Southport, Main Beach, Ashmore, Labrador, Runaway Bay, Paradise Point, Hope Island and Sanctuary Cove.

I would like to take this opportunity to thank Nathan for his help with our recent mortgage. His professionalism and full service from start to finish was fantastic. We understand our situation was not a straight forward one and appreciated his advice concerning consolidating our debt into one payment. Our monthly repayment has been significantly reduced which means we will now have a surplus to pay off debt instead of just paying the interest. I would have no hesitation in recommending Nathan to anyone who required his services and look forward to a long working relationship with him.
Brian G, Parkwood

We have been using Nathan for our mortgage requirements since 2006, in which time he has assisted us with a number of loans for both our personal and investment properties, refinance etc. We have found Nathan to be an extremely competent, well informed, and knowledgeable broker, who clearly has a very comprehensive understanding of his profession. Having a number of properties both in Australia and overseas, we are acutely aware of the importance of receiving the best possible service, which we feel Nathan has provided at all times.
Gary and Janet S, Pacific Pines

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• State: Queensland, QLD
• Broker region: Gold Coast
• Suburbs: Northern Gold Coast, Main Beach, Ashmore
• Nathan Swain provides mortgage broking services in suburbs including but not limited to: Surfers Paradise, Gold Coast, Southport, Main Beach, Ashmore, Labrador, Runaway Bay, Paradise Point, Hope Island, Sanctuary Cove, Northern Gold Coast