Experienced mortgage broker in Casuarina, Cabarita, Kingscliff, Pottsville and surrounding areas.
We love to assist people with all their finance needs. Buying your own home is incredibly exciting, but that excitement is often stamped out by endless paperwork, banks and accountants. I bring the joy back to your life-changing opportunity and handle the finance for you with an easy step by step process. I recognise that everybody's situation is different, and I am here to get you the right rate. I write hundreds of loans a year, and it's my job to know every lender inside and out, so when you too come to me you'll have everything you need to know.
Loans don't have to be boring - my dedicated team and I will help you secure the house of your dreams!
Whether you’re investing, buying a home or looking for a new mortgage deal, I’m here to help. As part of Loan Market I work with over 30 lenders, with access to over 800 home loan products – so whatever your goal, I can help you find a mortgage to suit your unique needs.
Whether you’re looking to buy your first investment property or add to your portfolio, I am here to help you.
Refinancing your current home loan is a good idea if you’re looking to lower your monthly repayments, access existing equity in your home loan or to consolidate debt.
Many Australians enjoy the freedom of working for themselves, but being self-employed means time is of the essence, not to mention the challenge of keeping up with the paperwork that goes with running your own business.
We’re starting later, it’s costing more - is the property dream unreachable in 2020?
Once upon a time, let’s call it the 80s, the average Australian would buy their first home at the age of 24. Here we are, three decades later, and buying property doesn’t occur until we’re 35. Why is that? Is it thanks to the price of housing in our popular cities, and the militant discipline required to save a gigantic deposit? Or is it that we’ve decided to ‘live a little’ in our twenties, choosing renting and share-housing over striving to attain our first property asset? And is property still the asset class it used to be? Let’s discuss.
The race to the bottom; banks start zealously cutting rates
In the midst of a terrifying and rough summer for much of Australia, it’s odd to reflect on the season that has been for real estate. It’s been a while since the temperature of the housing and home loan market has been so pleasant. Record low rates, looser credit criteria, lender competition, government incentives, much more market activity and property price growth have been coinciding of late. The sentiment has changed and it can be seen in renewed investor and owner-occupier activity, banks proudly shouting about new low rates, and first-timers getting a gift from the government.
Is your cash making you poorer?
You know the phrase, “asset rich, cash poor”? It’s never been uttered in a more provocative environment. Even if you’re generally flush with cash, cash as an investment type is hamstrung these days by the central bank cash rate, meaning you’re poorer than you need to be. Let me say it straight. Cash, right now, is kinda useless as an investment. Rates are about as low as they can go (or are they?) so any cash investments still held are no longer helping your cause. That’s presuming the cause is wealth creation. Cash investments are simply not delivering the returns and the low risk profile that have made them popular for so long.