Stewart Jones - Mortgage Broker Mandurah, Armadale, Narrogin & Districts

Mobile: 0419 946 541 Phone: +61 8 6467 7544 Fax: +61 8 9535 2371
Business address: Unit 8, 16 Sutton Square, Mandurah WA 6210
Trading entity: Affinity Lending

Licence number: 2693

Contact: Stewart Jones, mortgage broker

Buying a new home, established home or an investment property will be one of the most important financial commitments that you will make. Taking the time to understand your needs and wants before completing a home loan application is essential to enable you to make the right decisions for your financial needs.

If you are looking for finance, it is critical to make sure you work with a mortgage broker you like and trust, whether it be me or somebody else.

Deal with a professional mortgage broker

I pride myself on making the lending process easy for my clients. With over 5 years experience in finance and as a member of the Loan Market’s high achievers group of brokers, I am passionate about meeting clients’ expectations. I have developed a reputation with both clients and lenders as a provider of quality service. Over the course of my career I have assisted clients to secure in excess of $70 million, but despite my successes, my goal is the same as it has always been: to find the right home loan to suit your needs and secure your future, whether you are first home buyers, self-employed, company trust borrower, expatriate looking to invest or newly arrived in Australia.

Stewart, congratulations on making the high achievers group for FY09. Given all the challenges our industry faced over the last 12 months – the uncertainty and the changes – your continued success is all the more significant. You have become a special individual to both the Western Australian team as well as a great example to all of us about growing a regional broking business. Your contribution to the team – not just your results, but the way you contribute and involve yourself – has been first class. Thank you for everything you have given and well done on a terrific FY09.
Sam White, Executive Chairman, Loan Market

Home loan pre-approval

I believe obtaining a home loan pre-approval before entering the market is essential no matter the loan size your are considering. Whether you’re a first home buyer, refinancing or investing, a home loan pre-approval will put you in the strongest position to bid at auction or negotiate with a vendor. Almost all of the criteria required by a lender for a full home loan approval is already assessed and met during the pre-approval stage, and you will know exactly how high you can go with an offer to a vendor. Pre-approvals are available from most lenders and usually last from three to six months.

First home buyers

As of January 1, 2010, the First Home Owners Grant has returned to the original amount of $7,000. I can assist first home buyers through the process of applying for the Grant and, of course, the home loan when buying their first home.

First home buyers are often bewildered and a little intimidated by all of the information that is available to them regarding their first home purchase. I ensure that all of my clients, but especially first home buyers, are put at ease with easy-to-understand explanations of home loan types and features that will help them to select an appropriate loan.

I explain the process and how I can help them every step of the way, and then I continue to help them even after the home loan has settled. All of the different loan options are presented and discussed, so that they can decide which one is right for them.

Stewart and Sue, we would like to take this opportunity to express our sincere gratitude for all the help and fast assistances in obtaining our mortgage. We have experienced pure professionalism from the very first phone call that we made to Stewart and the consistent up dates from Sue through to the last signature on paper. We really appreciated the good service and would not hesitate to recommend you to any prospective buyer.
Anthony and Cecilia

Investment loans

Being an investor myself, I understand the processes involved and have secured many forms of investment loans for first time investors, family investors and for investors with property portfolios, including company trusts. I will negotiate with more than one lending institution to ensure you secure a competitive and appropriately structured finance solution to help you meet your financial investment goals.

Future wealth creation or growth is a critical element for investors and in this area I enjoy strong relationships with lending institutions to help bring about strategies to suit your wealth creation goals. Whilst working for major lending institutions, I have acquired knowledge on lending policies for investments, and with knowledge and experience I am able to help you reach your investment dreams.

Stewart, I would like to say how thankful I am for your brilliant service with a smile. As I am sure you will remember, I was quite concerned with the structuring of this loan as I had another property settling in a few months time and with your skills, professionalism and excellent communication, you assisted me greatly in financing my property in Waikiki, without any stress. The bank you recommended…and the loan is great. [They] are fantastic to deal with. Thank you once again and I will continue to recommend you to my contacts.
Chantal

Deposit bonds – auctions

Deposit bonds are a good alternative to using your own cash when bidding at auctions. They allow you to keep your term deposits intact until required at settlement, however you will need to check with the agent that the vendor will accept a deposit bond before bidding for a property.

Loans for industry/shift/fly in – fly out workers

The West Australian workforce is made up of a considerable number of shift workers and fly in/out employees. I have many clients in various industries who work late shifts and hours that generally go late into the night.  I work tirelessly around these clients to make the process of obtaining a home loan easier and more convenient; my communication is around their available times, meeting them at locations and times that suit them.

I allow my clients to choose the best communication method for them, whilst communicating application time frames dependent on their chosen lending institution. Upon initial interview, the client’s needs and expectations of how things will proceed from that point onwards is discussed. For example if a client cannot fax their documentation then I provide them with an overnight mail satchel, or if they do not like to call mobile numbers I will ask them to SMS if they wish to speak and make the call myself.

Land and construction loans

I can ensure that financing your build is a smooth process. The type of finance you choose can differ quite significantly depending on whether you require a loan for a house and land package, land and construction separately, or if you are an owner-builder. Not all lenders provide finance for all of these situations; however, as an experienced mortgage broker I know which loans and lenders suit your situation.

Self-employed borrowers

Being self-employed can present different hurdles to over come when seeking finance. Having been in the situation of having no financials myself when purchasing my first investment and gaining the funds to start my own business, I understand what is required by lenders to secure an alternative home or business loan as a self-employed borrower, including the differing loan to value ratios available.

Many self-employed clients borrow in company and trust names, or simply can’t provide the depth of financial documents required for a standard home loan application, so I work with anyone in this situation to find alternative arrangements for finance.

I also have extensive experience with larger loan sizes, broad property portfolios, trusts and other structures. If you are self-employed, or a professional in the legal, banking, IT or medical professions – whether self-employed or PAYG – I know where to place your loan application and how to effectively package it for maximum benefit.

Community involvement

My family and I have been donating yearly to Telethon for the past 25 years. We also donate regularly to the cancer foundation of WA, Association for the Blind and our local community and sporting clubs in Harvey because I love to help people. It is extremely satisfying to help these types of causes which are run by wonderful people. My family supports me in this important part of my life. Being able to make a difference in the community brings me great joy and this is something I will continue throughout my life.

Customers Western Australia South (Busselton, Mandurah, Rockingham)

Based in Mandurah, I provide home loan services across Mandurah, Armadale, and Canning Vale, as well as regionally in Harvey, Bunbury, Collie, Donneybrook, Manjimup, Mt Barker, Narrogin, Katanning, Williams, Newman and Kalgoorlie.

 

For more information on home finance or to talk to Stewart Jones

Contact Stewart Jones, or call us any time on 13LOAN

• State: Western Australia, WA
• Broker region: South Metro
• Suburbs: Mandurah, Armadale, Narrogin & Districts
• Stewart Jones provides mortgage broking services in suburbs including but not limited to: Mandurah, Armadale, Canning Vale, Harvey, Bunbury, Collie, Donneybrook, Manjimup, Mt Barker, Narrogin, Katanning, Williams, Newman, Kalgoorlie

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