Rosa Alibrandi
Mortgage Broker Croydon Park, Concord, Five Dock
Buying and selling property can prove to be very challenging, for all sorts of reasons. I should know – I have been a licenced real estate agent for over 10 years, and have also worked in the conveyancing section of a large law firm for four years, so I’ve seen a lot.
As a mortgage broker I am able to utilise the skills and impart the knowledge I have gained over the years to my clients, helping you to navigate the property purchasing process from the negotiation stage, through the maze that is home loans, right through to post settlement.
My all round knowledge of buying,selling, and financing a property will prove to be a valuable element in helping to make your experience stress-free.
Lenders Mortgage Insurance (LMI) and How to Avoid It
Like most people we all begrudge giving money away which is not going to be to our advantage. Lenders Mortgage Insurance (LMI) does NOT cover the borrower. It is an insurance which covers the lender against any possible loan default if the property is then sold by the lender and the proceeds of the sale do not cover the outstanding loan amount. Traditionally when the Loan to Value Ratio (LVR) of a loan is over 80% an LMI premium is applicable. In some cases there are ways to avoid or minimise paying an LMI premium.
Family Equity could be an option for some people. This is where a realtive of the borrower has equity in their own property and is willing to provide a percentage of that equity as security to the lender. Lenders Mortgage Insurance can be avoided with the help of a Security Guarantor. Alternatively, we have lenders on our panel that will look at approving without Lenders Mortgage Insurance at an 85% Loan to Value Ratio.
Qualifications
- Graduate Certificate in Management (Professional Practice)
- Diploma in Business (Real Estate Management)
Business Networks
Finding and applying for a home loan is just one part of the process when buying property. That’s why I have business relationships with several real estate agencies, accountants, conveyancers and solicitors. Access to these experts enables me to get the advice and information you need to buy and sell property effectively and efficiently.
Personalised Home Loan Service
Having good relationships with my credit providers means I can offer a more personalised service to my clients, one that means you are in a better position to source a good home loan. I often have direct contact with credit assessors, something that can work to your advantage, especially if you need your home loan approved within a tight timeframe.
First Home Buyers
Buying your first home is a very big step and like any large purchase you want to be sure you are getting the best deal, be it the best price for the property you are purchasing or the best home loan to suit your needs and lifestyle. You should not make any decision about your first home and first home loan hastily. Owning property and having a home loan are both long term commitments and can result in costly repercussions if you don’t have the right people around you to provide advice. Having professionals there to help you along the way alleviates some of the stress and uncertainty. I can help you find solutions to your home loan needs and have a network of professionals who can provide assistance with all other aspects of purchasing your home.
Relocation or Refinancing
If you are planning on relocating to cater for a growing family, or refinancing due to changes in circumstances, you will need to consider a home loan which will provide you with flexibility to cater for the upgrade and possibly not being able to work for a period of time. Or, you may have purchased your home before selling your current home and are in need of bridging finance. Whatever the scenario I can provide you with an avenue to achieve this through our panel of lenders.
Access to a Vast Range of Home Loans
Many people venture out and try to obtain a home loan by their own means. They are limited for time and limited to the knowledge they have of the home loan products available from a small number of lenders. As a mortgage broker I have a vast panel of major banks and secure lenders, which will cater for all types of loans; I can help you select the lender which most suits the structure of your home loan and that can cater for your financial needs.
Calling All Customers, Ready or Not!
Whether you are ready to buy and just need to organise your home loan, or you are just dreaming and want to know what steps to take to ensure you can buy when you are ready, I am available to help anyone who would like to be in a position to purchase a home either as an owner-occupier or as an investor.
Customers Sydney Inner West
I work with clients on their home loans needs throughout Sydney’s inner west, including in Ashfield, Belfield, Burwood, Concord, Croydon Park, Enfield, Five Dock, Haberfield, Leichhardt and Summer Hill.
- State: New South Wales, NSW
- Broker region: Inner West
- Suburbs: Croydon Park, Concord, Five Dock
- Rosa Alibrandi provides mortgage broking services in suburbs including but not limited to: Ashfield, Belfield, Burwood, Concord, Croydon Park, Enfield, Five Dock, Haberfield, Leichhardt, Summer Hill