Doug Owens home finance broker
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mobile: 0421 057 789 fax: +61 3 9705 7488 |
Relax! Let me do the running around for you. Having spent the better part of the past 20 years assisting clients to find the right home loan, I pride myself on going out of my way to ensure your finance is the easiest part of your property purchase. Over the course of my career I have never had a complaint, and I have settled every loan for every client on time.
First home buyers
I like dealing with first home buyers as they are the group that are so thankful for the assistance I provide in keeping them up-to-date with the buying process from their first enquiry to when they turn the key in the front door and beyond. Some of the most common questions first home buyers ask me include:
- How much can I borrow?
- How do I make an offer to buy a property?
- When is the First Home Owners Grant paid?
There are so many lenders to choose from and so many different possible ways to structure your loan. Speaking to a broker with access to a wide choice of lenders can save you from making a costly wrong choice.
A number of first home buyers are currently entering the property market with the assistance of their parents, who are providing their own property as security. While this option may not be suitable for everyone, it can potentially make big savings to the upfront costs of purchasing.
Investment finance
The first action any investor should take, whether you are experienced or a first time investor, is to seek the assistance of an accountant that is familiar with not only your financial situation but also with current taxation laws surrounding the purchase of property. There are numerous different structures available; which one is suitable for you depends on a number of factors including your investment goals, current property portfolio, debt position and even the stage in life you are at. A young client with a current mortgage may take out an interest only loan, whereas someone nearing retirement may want to have the loan repaid in order to have an income producing asset in retirement, or may even look to borrow in the name of a self managed superannuation fund. Once we know the best structure for your situation I can ensure you get the most suitable loan.
Construction loans
Having worked closely with a major building company since 2006, I have a depth of experience in construction loans. Some lenders are better equipped to look after your needs when you are looking to build a home. The last thing you want is to be dealing with a lender that delays the progress payments to your builder, which can potentially slow the construction of your home. I keep myself as the contact point through the construction stage so you don’t feel you need to explain your situation to a bank employee at each stage of the construction.
Foreign Investors
Working with overseas buyers requires knowledge of foreign investment loan options. Depending on your home country, I help you determine whether it is possible to borrow, the taxation laws on income from your investment, and how your economic position affects your borrowing options. It is still possible to get Low Document loans for non-residents, although in recent times the lenders have reduced the percentages they will let you borrow against the value of the proposed property and any security properties. I am currently assisting a number of clients from India, China , Pakistan & Taiwan, most of which is done with the assistance of translators either in Australia or in the client’s home country.
Real estate expertise
As a mortgage broker I realise the importance of getting your finance approved by a specific time so you can proceed with the exchange of property contracts. For the majority of the past eight years, I have been working within real estate offices maintaining a close relationship with good real estate agents. I know exactly what is required to assist all buyers to secure their dream home or add to their investment portfolio, and I work with your agent to ensure your finance is secured on time.
Qualifications/Awards
- 2008 Completion of Certificate IV Financial Services (Mortgage Broking)
- Finalist 2006 Australian Mortgage Awards , Sales Manager of the year
- Loan Market, Number 1 Lending Manager Victoria 2002 & 2003
- Loan Market Top 10 International Lending Manager 2002 & 2003
- Loan Market Elite performer 2004
- Loan Market 2004 International Lenders Choice Award (Best broker as voted by panel of lenders)
Customers Melbourne South East
Melbourne South Eastern Suburbs, including Dandenong, Hampton Park, Hallam, Lynbrook, Cranbourne, Narre Warren, Berwick, Harkaway, Beaconsfield, Officer, Pakenham, Ashburton, Balwyn, Burwood, Camberwell, Glen Iris, Hawthorn, Kew and Surrey Hills.
Testimonials
We really appreciate all your diligence and commitment for finding us the most appropriate financial package to enable the purchase of our home. We also want to recognise the extra effort you put in during the protracted decision making process around building and selling. You have always been positive and professional and engender a sense of confidence. We would not hesitate to recommend you to other people in our circle and will call upon you for future financial advice. Thanks again Doug.
Jesse & Bronwyn, Kilsyth
Doug, just a short note to thank you for arranging our new mortgage and two other home refinances in what surely must be record time - under a month ! With such a tight deadline everything had to proceed smoothly and with you at the helm it did. You came highly recommended to us, and we in turn will pass on our recommendations as we were absolutely thrilled with all that you did for us, particularly in keeping us informed along the way so the financing was one less thing we had to worry about.
Judi & Gavin, Berwick
We just wanted to say a huge thank you Doug for all of your help in organising our loan to purchase our new home, particuarly with your extra assistance regarding lending us the deposit. I know that it was all a big rush, especially having only a 25 day settlement on the sale of our old house! You were very understanding & easy to deal with, and didn't seem to mind us asking lots & lots of questions! We will definitely recommend you to any of our friends & family who require a loan. Once again, a big thank you, we have now settled in here to our new home and could not be happier!
Lara & Aaron of Berwick
I am writing to give my highest recommendation to Doug Owens. Doug possesses all the attributes necessary to be an excellent broker. He knows his market extremely well; he is diligent, responsive, and yet very patient with his clients. Doug is both very professional and personable. He clearly takes pride in doing a good job. In our particular case as a buyer of a home, there were a few rough spots on the road to closing and in every instance Doug was a great help. Doug assisted us with keeping our old loan when we purchased our new home, which was extremely beneficial for us as we got to keep our low interest rate. When we became distressed by one thing or another he knew what to do to get the job done. Believe me to be able to rely on his vast knowledge in all things especially when the bank themselves has no idea how, was a relief beyond measure. It would be hard to envision someone doing a better job than Doug or being anything but happy in choosing to work with him.
Sharon and Andrew Hay of Cranbourne VIC
I was so happy and relieved after Doug was able to secure a new housing loan for me, there was no travelling in the car to different banks, he came to my house within hours of contacting him and was a pleasure to have in my home. I felt comfortable knowing that the job was in his hands. I have used other Mortgage Brokers in the past, but Doug would be my No.1 choice and would recommend him to my friends and family without any hesitation!
Kim of Berwick VIC
Selling and buying a home involves the most stressful financial decisions and when you are not experienced like my husband and myself, it was a blessing to have Doug working for us. There was never a moment that I had to worry about who was handling the finances. In the whole process we went through, I never felt any doubt in Doug’s ability and can truthfully say that he is an extremely competent mortgage broker that always gives his clients 100% of his knowledge and also 100% of service. He always made himself available and was always in contact with me, giving me the sense of security I needed when we were walking through such unknown territory. Our experience with Doug was completely positive. We intend on using his expertise again in the near future!
Caroline & Robert of Endeavour Hills VIC
For more information on home finance or to talk to Doug Owens
Contact Doug Owens, or call us at any time on 13LOAN.
