Paul Wrightson
Mortgage Broker Illawong, Cronulla, Rockdale
Buying a home and arranging finance can be a daunting task, it’s probably the biggest single purchase that most people undertake. That’s why it’s important to speak with someone who understands finance. As a former Finance Manager with over thirty years experience, I understand the way banks think and I will help you overcome any hurdles you may face from application to settlement of your home loan. Working with Loan Market, I have access to all the major banks and second tier lenders. That adds up to thousands of home loan products, which is why using the services of a professional mortgage broker is the easiest way to find the right home loan for you – my job is to get you the home loan that suits your needs.
Customer Service is My Priority
My aim is to find the right home loan for you. Your financial situation and home loan requirements will never be the same as the next person. My mantra is simple: “Make sure your home loan is choosen by you”. It must suit you, not the banks or broker. I listen to your needs and then together we will find a great home loan. My service is ongoing after settlement, with educational newsletters and continuing loan support.
First Home Buyers
I have extensive lending experience with First Home Buyers, having negotiated suitable home loans for many first home buyers during the government’s increased First Home Owners Grant. All of these clients were inexperienced in dealing with lenders and required my help. I guided them through the borrowing minefield and also helped with the First Home Owner Grant paperwork. I continue to work with first home buyers, providing assistance with home loan applications, First Home Owner Grant applications, and the ongoing for the life of the loan.
Home Loan Pre-Approvals
Real Estate Agents offer preferential service to pre-qualified buyers, so a current home loan pre-approval can help move you to the front of the queue when a new property becomes available. It is essential for you to secure a written home loan pre-approval from a lender so you are ready to act quickly. This is most important for first home buyers, with this end of the market so competitive. A review of your home loan pre-approval when a property has been found is an excellent way to ensure your home loan is still suitable for you, and is part of my standard service.
Property Investors
I have helped many property investors find the right property investment loan for their particular needs. Whether it is a Master Limit with sub accounts, a professional package with all the bells and whistles or a set and forget basic loan, I have many years experience in this area and will work with you and your accountant, if necessary, to find the correct loan for you; and one that gives you great tax benefits too.
Commercial Finance
Each business situation is unique, whether you require funding for Business Premises, Leasing, Commercial Hire Purchase, Structured Finance, or Rural or Business Purchase. I have over thirty years experience in this field and can offer a range of solutions from suitable commercial lenders.
Problem Solving and Challenging Scenarios
If you are a first home buyer with little or no deposit, have had a problem with your credit rating or are self employed and have problems proving your income, I specialise in finding the home loan solution for you. There is a vast range of loans by specialist lenders that cater to the non- traditional borrower. It is important to have the services of an experienced mortgage broker who can negotiate a good loan solution.
Family Equity Home Loans
With the banks tightening their lending criteria and first home buyers often finding it difficult to save large deposits, the Family Equity Guarantee home loan option has become increasingly popular.
There are two main types of family equity loans.
Limited Liability Guarantee
With this type of guarantee, the family member uses part of the equity in their property to secure part of the property being purchased, usually 20 % of the property value.
Income Guarantee
This type of family equity guarantee is much less common and is not widely accepted by lenders. With this type of family equity, the family member guarantees the payments on the loan. It can be useful for situations where household income is temporarily reduced, for example, after the birth of a child when one parent is not working for a few months.
How the Loan Process Works.
As a mortgage broker, it is my job to make sure the home loan application process goes as smoothly as possible. This is achieved mainly by communication between the broker and the bank and between the broker and the customer. To most borrowers, the process the lenders use can be confusing and complicated; it is my job to keep the customer informed at all times. I will achieve this by:
- Preparing the application on behalf of the customer and assist in obtaining the supporting documents.
- Helping to ensure fast approvals and smooth settlements by communicating with the lenders.
- Providing constant communication and updates with the customer at all stages.
Customers Sydney South
I have customers throughout the St George and Sutherland Shires, including in Kogarah, Rockdale, Ramsgate, Sans Souci, Brighton-Le-Sands, Hurstville, Carlton, Cronulla, Caringbah, Woolaware, Miranda, Burraneer Bay, Yowie Bay, Gray’s Point, Lilli Pilli, Gymea, Kirawee, Sutherland, Bangor, Manai, Alford Point and Illawong.
My name is Grant Bowmer and I am now extremely excited and proud owner of a property, all due to the professionalism, guidance and support of Paul Wrightson and his willingness to push for our finances to be approved.
Upon meeting Paul, I immediately felt a sense of trust and openness due to his genuine, friendly and sincere nature, Paul has an extremely personal approach, one of which was truly welcomed by me and my wife during the daunting emotions of determining finances toward our first home. Paul turned these emotions quickly around, however.
During the short period of being acquainted with Paul, he consistently listened to our thoughts, was reliable and prompt in attending to our queries and continued to keep in contact which demonstrated his interest toward our welfare. An example of this behaviour was Paul waking at 3am with thoughts of our finances front of mind, then to call us at 10.30pm to inform us our finances have been approved. As you would understand, a phone call of this nature at any time of the day is always well received, however more than that, it clearly demonstrates Paul’s above and beyond work ethic.
An advisor such as Paul who is non intrusive, personable and caring are all traits a customer looks for and we consistently witnessed this during our experience.
Loan Market is extremely privileged to have Paul as an integral member of their team and I have no hesitation in highly recommending Paul Wrightson and Loan Market to family, friends and colleagues who are looking for financial advice and guidance.
Kindest Regards,
Grant, Lisa and Charlotte Bowmer
- State: New South Wales, NSW
- Broker region: Southern Suburbs
- Suburbs: Illawong, Cronulla, Rockdale
- Paul Wrightson provides mortgage broking services in suburbs including but not limited to: Kogarah, Rockdale, Ramsgate, Sans Souci, Brighton-Le-Sands, Hurstville, Carlton, Cronulla, Caringbah, Woolaware