Neville Marks
Mortgage Broker Logan Central, Springwood, Acacia Ridge
My career in finance encompasses over 20 years, during which time I have successfully established and run a business revolving around corporate, commercial and consumer services, with a particular emphasis on finance.
I have always focused on offering customers key advantages, including a wide range of loan options for home and investment property purchases, and business finance. Flexibility is also a key aspect of the service I provide, something which has allowed me to ensure customers obtain the right loan in the timeframe required, no matter how short that might be.
If you need someone to listen to your needs, understand your financial status, and apply these to finding and securing the right home loan, investment loan or business finance for you, I can help.
We were referred to Neville Marks by a friend and needed someone who could get us a loan in limited time. We were extremely happy with the service Neville provided – without him, we would never have gotten our loan approved.
Louise Mitchell
First home buyers
Choosing the right home loan is an important part of the exciting process of buying your first home. Getting the right information is the key to making it a success.
Some of the more common questions I am asked by first home buyers include:
- How do I know if I qualify for a home loan?
- How much can I borrow?
- What are the costs associated with purchasing a house and establishing a home loan borrowing?
- Should I fix my interest rate, take a variable rate home loan, or split it between the two?
- Are all lenders the same?
I can answer all of these questions with specific information about your particular circumstances, and I will ‘hold your hand’ throughout the entire process from your initial enquiry through to the settlement of your property purchase and beyond. This ensures you have all the information you need at your fingertips to make the right decision, and that the process of purchasing your first home proceeds smoothly.
I was so happy with your services last time and find it easier than doing it myself – you do it all for me and were happy to come over after hours.
R Blanch & De Inglis, Marsden 15/05/2010
The service we received from Mr. Marks was top class by all means. He was very professional and efficient. He kept on top of things and gave us near perfect timelines. In particular, Neville made us feel as if we were his only customers by following up on daily bases and keeping us fully informed at every stage of process. Without any doubt Neville’s services helped us buy our first home. His insight and experience made our lives much easier. For a couple who migrated recently to Australia, we could never have made it without Neville’s assistance. We recommend Loan Market services to friends, family members and everyone else who asks about a finance expert. We would want everybody to receive the best available service in the market like we did.
LO & SO 16/07/2010
Refinancing
With many changes occurring throughout the home loan market, particularly in recent times, you may find that the home loan you first obtained and the lender that provided it may no longer be the loan that most suits your current needs. Even when the home loan market is more settled, it’s important to review your loan regularly to determine if your current home loan is still competitive, or if there is a better deal for you available.
If you feel your loan is not the best it could be, the cheapest and easiest option is often for me to talk to your own lender first. I have successfully negotiated a better deal on a number of occasions at a customers’ existing bank without the need to refinance.
After we have spoken with your existing bank, it’s also a good idea to check with other banks and lenders to see if they can beat the offer.
If you do make the decision to refinance, I can help you work through the costs to ensure this is the right move for you, complete the paperwork and ensure the transfer runs smoothly.
Because of your assistance Neville we had no difficulty in obtaining our loan. You were also willing to assist in any way. Because of your excellent service we would recommend your services.
Mary & Sue K & Alan J, Rochedale Qld
Home loan pre-approval
A home loan pre-approval is a guarantee from your lender as to how much they will loan you when you find the property you want to purchase, as long as the property meets their security criteria.
Your home loan pre-approval gives you a good indication of your borrowing range, allowing you to focus your property search on affordable properties and move quickly when you find the right home.
Your loan will be pre-approved for a particular amount, however, you’re not locked into borrowing the full figure – you can always borrow less, depending on your needs.
Once you’ve found your property, simply provide me with a copy of the Contract of Sale and I progress your application through to an unconditional approval. With the pre-approval process already undertaken, it can take as little as 24 hours for full approval to be granted.
Expert service – follow up after care is great. Everything is done for you.Information is great regarding the products. A great service that I will recommend to anyone.
N & A Jordaan 11/7/2010
Home loans for divorcees
Obtaining a home loan after going through the process of separation can be difficult, particularly when it comes to providing a deposit, but there are ways to assist in making this process easier.
I recently helped a divorced mother of two who wanted to use the First Home Owners Grant and her separation payment as her deposit. With the majority of lenders now needing between 3 and 5 per cent genuine savings, it was deemed that settlement monies was not sufficient. She had been renting at same house for some 5 years and payments were never missed. By obtaining confirmation of the conduct of payments from the property management of the real estate agency, the lender was able to accept these payments as evidence of financial responsibility and to approve the deal.
Neville you were the best as you did everything for me…
Christine H., Salisbury Qld 4/7/09
Unusual home loans are no problem
If your situation doesn’t match normal home loan criteria or there is something unusual that has been holding you back, it doesn’t mean you can’t secure a home loan and go on to purchase a property. I have had great success placing loans which were outside the normal lending guidelines. Just some of the different scenarios in which I have assisted include:
A Fijian / Indian was a lecturer at TAFE in the automotive industry. He arrived here in October 2008 and immediately gained employed as a motor mechanic. Although this was technically a new role, in a new industry, and in a new country, I was able to show how the two industries and roles were complimentary. This correlation was noted by the lender, who then approved the home loan.
A Sri Lankan couple who were employed permanent part time returned to their native country over Christmas for three months, which substantially reduced their annual wage amount. Because of this, their yearly income was deemed insufficient to service the proposed loan, even though they were able to make the repayments comfortably. After obtaining letters from their employer confirming their incomes and current pay slips, demonstrating their projected earnings over the coming year, the lender agreed to finance the home loan.
A couple were seeking finance to purchase a property to use as their principle place of residence using a combination of the First Home Owners Grant and genuine savings as deposit. He was the sole director of a company which had only been trading since March 2007 – not long enough to meet the general requirement of lenders to have two full years of trading financials as supporting documentation. To overcome the time gap, we obtained his 2006/07 tax returns and interim results to the end of 2008. He also drew a wage as a part time employee at another company, which together with his own company’s financial results were sufficient to obtain a conditional approval.
I was increasingly unhappy with what I could negotiate from ANZ and looked for some other options. Your service has been wonderful Neville because the hard work was taken out of it and the method was extremely convenient.
John T, Eight Mile Plains Qld
Additional qualifications
- Justice of the Peace (NSW)
- Commissioner for Declarations (Qld)
- Certificate IV in Financial Services (Mortgage Broking)
Community involvement
For the past two years I have sponsored the Seniors Albert & District MotorCross Club. I have also spent the past six years as Secretary / Treasurer for the Salisbury Social Golf Club Inc. I am an active playing member of Rugby Union Golden Oldies attending world wide festivals at Dublin, Capetown, Toulouse, San Diego, Edburingh with the next to be held in 2010 in Sydney.
Brisbane south west customers
I have been living and working in Brisbane’s south west for more than a decade and have developed a great appreciation for the specific needs of local home loan and business loan borrowers. I particularly enjoy assisting clients in Acacia Ridge, Inala, Durack, Logan Central, Kingston, Woodridge, Slacks Creek, Darra, Loganholme, and Springwood, but am happy to travel throughout Brisbane as required.
Since meeting you at an auction, you have always kept in contact and seemed genuinely interest in helping me. I had fairly limited options due to a small deposit and you did help me to buy a house at the end of the day. You are pretty genuine and even when things went a bit wrong you were always doing your best to get the result.
N Sheahon 24/05/2010
I wanted to ‘use’ your expertise; I would not have been able to shop around for various loans as you did. Fantastic service – pleasant, courteous, professional and easy to understand. I would certainly recommend this serviced and in particular Neville Marks.
Kathleen
I met with Neville and found him honest and trustworthy. I have never bought a house by myself before but you made everything so easy. I was nervous and unsure but you did everything.
Anything I was unsure of, I would ring and he would get back to me. Better than any BANK, Neville you did a great job.
Vicki
It was a pleasure dealing with a normal person that respected all our decisions and went beyond your means to help through confusing times. Thanks heaps Neville.
David & Shannan C, Beenleigh Qld
Thank you very much for everything you have done for us Neville.
Tony & Helen H, Greenbank Qld
- State: Queensland, QLD
- Broker region: Brisbane South
- Suburbs: Logan Central, Springwood, Acacia Ridge
- Neville Marks provides mortgage broking services in suburbs including but not limited to: Acacia Ridge, Inala, Durack, Logan Central, Kingston, Woodridge, Slacks Creek, Darra, Loganholme, Springwood