Loan Market Home Loans From Expert Mortgage Brokers

Stephen Asciak

Mortgage Broker Hope Island, Pacific Pines, Paradise Point

No matter what challenges are placed before us, it is through seeking advice, knowledge, having support and guidance that will provide the keys to new opportunities. I am dynamic professional with over 27 years plus combined skills in Property, Construction & Finance, commencing my working life as a Quantity Surveyor, through to Project and Construction Manager, and then into the Management of a Mortgage Management firm in Residential and Commercial Lending and as a Commercial lending Manager for a Commercial Property Investment Fund. In every phase of my journey, it is the attention to detail, understanding the problem, being decisive, ability to think outside the box and ultimately the respect for individuals that has rewarded me. It is a satisfaction for me to see the smile on my clients. To see my clients achieve their goals. It is this that I enjoy nothing more. The finding of innovative financial solutions and seeing them through to settlement and beyond. My specialities:

• Investment Finance • Commercial Property • Property Development • Construction • Structured Finance Solutions • Business finance

If it is a Home Loan you only require, I am most pleased to assist.

Qualifications

Prior to my involvement in the finance industry, I completed a B.Sc in Construction Economics/Quantity Surveying at RMIT Melbourne. This degree has provided me with many invaluable tools in the property and construction industry. In my many years in finance, my clients have appreciated the knowledge and experience I bring to the table when it comes to property development, construction, business and investment lending. In most cases my clients have requested help beyond just providing finance.

Home Loans

I have access to home loans from a wide panel of major banks and secure lenders, and I truly understand home finance in a real estate context. Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms. And while the home loan application process can seem daunting, it is often simpler than most people think.

Working with Stephen was a pleasure. He was intelligent, strategic and commercial throughout our dealings, and I look forward to working with him again. Ben Phi,  VIC

Home Loan Deposits

Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances and first home owner incentives. However, most lenders will require at least a portion of your deposit to come from genuine savings. If you don't have the deposit required, you may be able to make use of family equity, also known as a limited guarantor loan. The most common form of family equity is where a family member, offers their existing property as security for a portion of the home loan, generally around 20 per cent.

First Home Buyers

Buying your first home is an exciting experience, but there is a lot to think about. I make the home loan application process as smooth and easy as possible, so you can concentrate on finding the right home. As part of my service, I will help you to 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 help you fill in the paperwork.

Home Loan Pre-approval

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.

Property Investment Loans

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.

Refinancing Loans

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 position than you would be if you stuck with your current loan. I can go through the sums with you to show you the costs involved in changing home loans, as well as your projected costs over a set time-frame 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.

Debt Consolidation

Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards and personal loans. Debt consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space.

Business Loans Commercial Loans

Good business finance is invaluable when purchasing and growing your business. Business and commercial loan options vary depending on whether you are a start-up or existing business. Whether you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, assistance from an expert commercial finance broker will be invaluable.

Stephen is a proactive professional with a good eye for detail. He helped secure commercial finance at a very competitive cost and good terms and conditions. Would highly recommend his services. Rich Harvey Forestville, NSW

Low Doc Loans for Self-Employed Borrowers

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 6-12 months.

If you are looking for a switched on and unique individual who can turn a business into a profitable and successful entity that is synonymous with rapid growth and innovative vision, you simply cannot go past Stephen Asciak. Stephen provides strong leadership, never losing focus on building a strong brand, effective team and booming business. Stephen's innovative ideas and ability to adapt in an ever changing business environment ensures that he is able to create business opportunities and take advantage of them. I enjoyed working with Stephen and would have no hesitation doing so again in the future. Eujinn Wong,VIC

Upgraders / New Property Buyers - Bridging Loans

Financing the move from one property to another can be quite stressful, especially if you are yet to sell your home - a bridging loan can help free up the funds that are tied up in your current property to purchase the next one. With a bridging loan, your lender will use both your current and new property as security and lend you enough to buy your new home. While you are waiting for the sale and purchase process to be completed on both your current and new property, you make interest only repayments on the loan, or maybe even no repayments at all (referred to as capitalising the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over (known as the end debt) is then transferred to a standard home loan, becoming the home loan on your new property.

Business Community Involvement

• PMI - Project Management Institute • CIOB - Chartered Institute of Builders • Linkedin.com - Business Community Network Website

Through these professional groups is maintained key professional connections and allows for access to professional individuals that are not otherwise readily accessible within the finance industry.

Community Involvement

• The Brisbane NRAS Education Group • The Gold Coast Network Group • Small Business Strategies Gold Coast • Cash-flow Real Estate Investors

Involvement in groups of like minded individuals has it rewards. Our self well-being is nurtured as we enjoy the company of people who want to hear us as much as we enjoy listening to them. This is where true friendships are made, a respect for one another and in return these groups provide a support network and enrichment of our knowledge. Through sharing of experience and skills individuals have the confidence to further their own interests with full support of their group friends.

Book a FREE appointment with Stephen Asciakclick here

• State: Queensland, QLD
• Broker region: Gold Coast
• Suburbs: Hope Island, Pacific Pines, Paradise Point
• Stephen Asciak provides mortgage broking services in suburbs including but not limited to: Pacific Pines, Helensvale, Upper Coomera, Hope Island, Sanctuary Cove, Paradise Point, Runaway Bay, Hollywell, Biggera Waters, Parkwood