Peter Vinci
Mortgage Broker Toorak, South Yarra, Prahran
I learnt many years ago that one of the main reasons why people don't use a particular product or service, is because they do not fully understand it or are unsure of how it will meet their needs, that's why my main focus will be to ‘take the confusion out of lending' for all of my customers.I can help you take the confusion out of lending. I will also help you save time and money comparing hundreds of home loans to secure the most competitive home loan.With 27 years experience in financial services, my mantra to simplify the lending process by meeting face to face with borrowers before recommending any product or service. This helps me fully understand your situation and the goals or outcomes you seek, in the aim of finding the right financial product to suit your specific needs. As your broker, I will inform you of the most suitable loan options to suit your particular circumstances, so you can make an informed decision on a competitive financial product at a low rate to meet your requirements for the life of the loan. In many cases, I may be able to arrange to ‘transport' your loan to another property or venture in the future, so that your finance choice evolves or grows with you to meet any possible changes in your financial situation I will help:
- Take the confusion out of lending
- Provide you with the best finance options to meet your needs
- Follow-up with the lender on the progress of the finance application
- Keep you updated and work through any possible challenges until the finance transaction for your new home, investment or commercial venture settles
Community Involvement and Qualifications
As well as being a Full Member of the MFAA, a Dip FS and Cert IV F/MB; I am able to draw on my many years of senior business management experience and knowledge. I also hold a Cert IV in WTA, which enables me to hold mini seminars or presentations for small local or community groups on understanding the lending process and arranging the best finance products available in the marketplace. As a SME network group member of CPA Victoria, I have spoken at seminars held by the CPA networking group on finding the best home loan and finance solutions available and the benefits of using a mortgage broker as opposed to dealing directly with your local bank branch. I also work closely within a network of local inner city real estate agents, such as Carlton, East Melbourne and Melbourne CBD to help potential first home buyers make sure they have the funds available to them before finalising a purchase or before a pending auction date. Often, I have access to lenders offering additional benefits with their mortgage products on some loans; as an example, an additional discount off the core rate for the life of the loan, with no ongoing fees or charges ever. For many borrowers, this has been an extremely strong incentive as part of loan pre-approval arrangements before buying.First Home Buyers in Melbourne CBD
Carlton, Docklands, Fitzroy, North Melbourne, Port Melbourne, Prahran, Richmond, South Yarra Buying your first home is an exciting experience, but there is a lot to think about. I will work with you to make the home loan application process as smooth and easy as possible and ‘take the confusion' out of the lending process so you can concentrate on finding the right property. As part of my service, I will help you understand the types of home loans available to you and will assist you in choosing the right one for your situation. If you are eligible for the First Home Owners Grant or any state government first home buyer assistance, I will even arrange for assistance with the relevant paperwork.Peter was able to turn a difficult situation into a great experience. He kept trying where others may have given up. Very satisfied and will definitely recommend thanks Peter. Suzanne & Jon, Melbourne CBD, VIC
Personalised Service for all Borrowers
Carlton, Docklands, Fitzroy, North Melbourne, Port Melbourne, Prahran, Richmond, South Yarra Many of my customers come from diverse professions or are self employed. They range from banking executives, (yes even bankers use brokers at times for anonymity), CEO's and Managing Directors of large corporations to first home buyers and ‘mums and dads' from the suburbs. Each has individual circumstances and needs, requiring different financial products to meet their objectives. This is where my personalised approach, as your finance broker, can make a real difference in achieving the desired outcome. As I fluent in Italian as a second language and can relate to people from all walks of life, I am also able to help new Australian citizens secure their dream of buying a home in their new chosen home land. Whilst challenging at times, it is most rewarding. I have in-depth experience with a number of different borrower types, ranging from individuals seeking personal loans and first home buyers to multiple property investors and commercial borrowers. I can also help with reverse mortgage loans for retirees which free up equity in their homes allowing them to continue enjoying life to the fullest.Home Loan Pre-Approval in Melbourne CBD
Carlton, Docklands, Fitzroy, North Melbourne, Port Melbourne, Prahran, Richmond, South Yarra Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. Home loan pre-approval is generally valid for about three months, and you will still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval.We would be more than happy to recommend you (and we have), to our family and friends as we have no doubt you would provide them with the same level of service. David & Larissa, Melbourne CBD, VIC Extremely happy with Peter's assistance in finding a home loan. We found both the aggregator and the lender to be more professional than the rest of the pack, and able to cater for our needs having trading hours and meetings to fit in with a busy work & life schedule. Ross & Rebecca, Newport, VIC
Property Investment Loans in Melbourne CBD
Carlton, Docklands, Fitzroy, North Melbourne, Port Melbourne, Prahran, Richmond, South Yarra Property investment can be a smart wealth creation strategy, if you get it right. And that doesn't just mean finding the right property - you need the right investment finance as well. Your investment loan package should be tailored to your investment strategy and goals. I work closely with your financial planner and accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.Peter was professional, prompt & we received A+ service for the two mortgages he secured for us. Annie & Rod, Thornbury, VIC Hazel and I thanked you personally at the approval of our 2 mortgages more out of relief than anything. Now that we are settled into our new place and have organised our new accounts with the ‘Lender' we have had time to reflect on the process and the help you gave us. We were particularly impressed with the way our options were explained to us by you and the time you took to understand our needs and concerns. We were fairly tense while waiting approval thru what I thought was an extended period but you and your assistant kept us up to date and always returned our calls straight away which is the one to one service so valuable to us. Thanks again, I'm sure we'll do more business in the future. Peter & Hazel, Docklands, VIC
Refinancing Loans in Melbourne CBD
Carlton, Docklands, Fitzroy, North Melbourne, Port Melbourne, Prahran, Richmond, South Yarra Refinancing your mortgage is something that takes careful consideration. The most important thing to look at is if refinancing will place you in a better financial position than you would be if you were to remain with your current lender or existing loan. I will go through the various scenarios with you and show you the benefits and savings involved in changing home loans (if applicable), as well as compare your projected costs over a set timeframe for both your current and proposed home loans. And if you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork to make the change.Peter was very professional, extremely helpful, will use Peter and recommend to anyone that is in need of finance. Fantastic service! Toula, Glenroy, VIC
Debt Consolidation in Melbourne CBD
Carlton, Docklands, Fitzroy, North Melbourne, Port Melbourne, Prahran, Richmond, South Yarra Debt consolidation can be a handy solution when you find yourself juggling repayments on several financial products, e.g. credit cards, personal loans, home loans etc. Debt consolidation works by combining all those debts into one loan, generally your home loan, which is likely to have the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you that sense of control again over your finances.Peter Vinci was happy and easy to deal with. Peter was also responsive and dedicated to customer service and his work. David T, Sunshine West, VIC
Low Doc Loans for Self-Employed Borrowers in Melbourne CBD
Carlton, Docklands, Fitzroy, North Melbourne, Port Melbourne, Prahran, Richmond, South Yarra Many self-employed borrowers need a loan that isn't quite standard, mostly because they don't have the full financial history required to get a regular loan. Low documentation, or low-doc loans fulfil the needs of many self-employed borrowers. You'll still need some financial history and paperwork - often about 12 months BAS statements and an ABN that has been active for at least 12 to 24 months. With all of the recent industry legislation changes, it is important to keep up to date with these changes so that different types of borrowers can still be serviced. For the self employed, Lo-Doc loans are a good example - with only a handful of lenders providing this type of product, one needs to be up to date with lenders' requirements before a product is recommended and the application submitted.- State: Victoria, VIC
- Broker region: Melbourne East
- Suburbs: Toorak, South Yarra, Prahran
- Peter Vinci provides mortgage broking services in suburbs including but not limited to: Toorak, Armadale, Glen Iris, Kooyong, Malvern, Malvern East, Prahran, South Yarra, Windsor