Steven Tozer - Mortgage Broker Ipswich, Lockyer Valley

Mobile: 0411 091 855 Phone: 1800 787 909 Fax: + 61 7 3112 4196
Business address: Ipswich: 81 Limestone St, Ipswich QLD
Lowood: 69 Main St, Lowood QLD
Plainland: Shop 4 Plainland Plaza Warrego Hwy, Plainland QLD
Rosewood: 25 John St, Rosewood QLD
Chapel Hill: 48 Tillbrooke St, Chapel Hill QLD
Trading entity: Steven Tozer trading as Your Solution Loans and Finance

Contact: Steven Tozer, mortgage broker

By just going to one lender you are not giving yourself the best chance of finding the right loan to suit your needs. When you go to one lender they can only offer their own suite of products. Armed with many years of knowledge and experience, I can introduce you to over 300 loan products and assist you in securing the finance package that’s in your best interest.

Customers and loans

NOT ALL BANKS & LENDERS ARE THE SAME. Quite often if a potential borrower deals directly with a lender and is declined they give up, thus possibly missing their opportunity to get into their first home or the home of their dreams. At Loan Market, I can properly assess your personal situation and find the right lender to accept your circumstances. I recently had an applicant approved with a major lender that had been already declined twice after dealing directly with the banks. One of those banks he had been with all his life. By understanding the policies of different lenders, I knew which ones would accept his particular situation and successfully secured his loan.

Many banks will aim to get the best rate from you. I will aim to get the best rate for you.

We looked into the banks ourselves & applied for mortgages directly through them, however, we saved more money utilising your services. We have already given details of your service to friends as Steves expertise in this field is, I believe, beneficial to anyone with financial concern.
Laura B., Gatton, QLD

Loans for first home buyers

Helping First Home Buyers is always exciting, because I am able to help create one the client’s life milestones. Many First Home Buyers do not know what the process involves, so it is really important to provide clear explanations, documentation, support and regular communication to assist the client through the process with minimal stress.

Loans for property investors

Just like buying your first home, making your first investment property purchase can be a little daunting. It is very important that correct mortgage product is found. The loan structure has to be right and clearly explained to ensure that the client is able to maximise taxation opportunities. This is where the expertise of my team and I comes to the fore. By providing diagrams and easy-to-read documentation that you and your accountant can refer to throughout the loan term, you will be prepared for your next investment property purchase.

Steve presented options that I would not have been aware of. He was very informative, and his presentation of information made understanding the differences in options incredibly easy.
Daniel H., Leichhardt, QLD

Loans for Lockyer Valley customers

I regularly come across clients in a panic on the verge of losing their prospective new home purchase after being declined by their lender they have approached directly or have been referred to. Many people are not aware of the intricate lending policies and bank restrictions that may be encountered when making a purchase in this region. Many purchases can and are still made on a daily basis – I have rescued many clients’ property purchases simply by knowing bank and lender policy and by getting their loans approved through the small number of lenders that will provide funds readily for purchasers in the Lockyer Valley.

Loans for the self employed

The financial landscape has certainly changed as a result of the Global Financial Crisis and many banks have altered their policies and are continuing to do so, particularly in relation to lending to those customers who are self employed. However, it’s not all bad news – while many lenders have tightened their policies in regards to self employed clients and low doc loans, others have relaxed their policies to attract these customers and provide finance with minimum fuss. Not all lenders are the same and I can help you through this minefield.

Loan turn around times

In recent times, some lenders have experienced delays in processing applications. This can cause great frustration for buyers, sellers, real estate agents and mortgage brokers. My team and I ensure our loan applications get priority treatment with a number of lenders, as a result of the amount of loans we regularly write. Therefore, our application approval times are substantially shorter than what other brokers may receive.

Of all the professionals (including the bank, the Conveyancer, Building Inspectors & Real Estate Agents), Steve was the most dilligent, courteous, & positive. Steve’s service was what you would expect from a ‘professional’….
Stacy D. & Natasha H., Laidley, QLD

You eased our stress levels…..and made calls to speed up the process.
Barry & Bernardette H, Placid Hills, QLD

Qualifications

Certificate IV Financial Services (Mortgage Broking)
Bachelor of Commence – Marketing
Diploma in Marketing Research
Advanced Certificate in Management
Advanced Certificate in Marketing

Business networks

Ray White Ipswich
Ray White Lowood
Ray White Plainland
Ray White Rosewood

Customers in Brisbane West, Inner West, Ipswich and Lockyer Valley

I offer mortgage broking services in and around Brisbane West, Ipswich and Lockyer Valley including the suburbs of Raceview, Bundamba, Booval, Rosewood, Fernvale, Karana Downs, Karalee, Regency Downs, Kensington Grove, Kenmore, Indooroopilly, Taringa, Bellbowrie, Chapel Hill, Brookfield and Fig Tree Pocket.

Steve is friendly, reliable, trustworthy & honest. He simplified our options and showed us the long term picture.
Erin L & Kristen P., North Ipswich, QLD

Initially we were looking to get advice for loan structure, but when our circumstance changed, Steve was able to advise on a suitable setup. Steve was always helpful, prompt & eager to find the best way forward. I wouldn’t hesistate to recommend him.
Nathan & Brooke S., Brassall, QLD

You guided us to the right financial instituation to apply for a pre-approval where all of your documentation is looked at, so you do have that guarrantee of a ‘true’ pre-approval.
Jay K & Katrina G., Bundamba, QLD

You provided information and comparisons between loans and increased my understanding of the products.
Jade M., Raceview, QLD

Steve was good to deal with, & called back when he said he would.
David & Leanne W., East Ipswich, QLD

 

For more information on home finance or to talk to Steven Tozer

Contact Steven Tozer, or call us any time on 13LOAN

• State: Queensland, QLD
• Broker region: Brisbane South West
• Suburbs: Ipswich, Lockyer Valley
• Steven Tozer provides mortgage broking services in suburbs including but not limited to: Brisbane West, Ipswich, Lockyer Valley, Raceview, Bundamba, Booval, Rosewood, Fernvale, Karana Downs, Karalee, Regency Downs, Kensington Grove, Kenmore, Indooroopilly, Taringa, Bellbowrie, Chapel Hill, Brookfield, Fig Tree Pocket

Documentation Checklist	Home Loan Approval Process	Mortgage Reduction Tips