Mortgage Broker Penrith
Operating out of a boutique office in Penrith you are the only priority. We pride ourselves on our ability to help clients with unusual circumstances get access to finance. Our office is always open or we can come to you when ever suits you.
Self employed and income poor but know you have the ability to pay the loan? We have a range of lenders with low doc loans. Previous credit impairment and the banks don't want to give you a go? We can find someone that will understand the situation and consider lending you money for any worthwhile purpose.
Apart from helping those in tricky situations we also assist the more standard applicant and have access to over 30 lenders and all of their products. Being a large family owned brokering group we are even able to negotiate a better rate with your current bank, a lot of the time we can do this in front of you in a matter of minutes.
Whether you need a standard home loan, refinance, investment loan, car loans or a personal loan we are your one stop shop to ensure you get the best deal for you.
Investment Home Loans
If you have equity in your current home loan or you’ve saved a deposit, you can put that money to work if you so choose. With the recent gains in Sydney’s housing prices, you may be able to buy an investment property without making a deposit or large financial commitment upfront.
Construction loans are a little different to your normal loan, although the application process is quite similar There is extra information the bank will want answers to before agreeing to finance your dream. Let me help guide you through the process and ensure you understand exactly what is happening through each step of the process.
So, you’re ready to buy a property? I can calculate how much you can borrow, how much money you need as a deposit or available equity to use as security against a new property and show you your different credit options from different lenders to suit your situation.
There are many different options out there for self-employed people to get loans but not all are that simple to obtain. Working for yourself opens many doors regarding making your money work best for you and that includes effective tax strategies that don’t always make you look wealthy on paper and thus make you appear unsuitable to banks. I can help you through this and look at your finances with an eye for the actual financial picture which I then present to the most appropriate lender for your situation.
Whether you want to renovate, buy a car or that boat you’ve always dreamed about. Maybe it’s time to travel or just want to get a better rate on your current loan to reduce your repayments, refinancing may be a great option for you.
Home Loan Top Up's without the 30 Year Hangover (Video)
Buying a car, doing some small renovations or even going on a big holiday and adding it to the mortgage is a great way to keep repayments low and finance the asset or work as is getting a personal loan. But if you are worried about the interest you will pay this video explains how to keep the costs down and get home loan rates under 4%.
I know I can afford the repayments, why won't the bank lend to me?
No doesn't necessarily mean no. It just means try somewhere else, or that you should've used a broker to put you in the right loan the first time.
Tax and Negative Gearing (Video)
I discuss how tax deductions affect tax returns debunking a common myth as well discuss whether negative or positive gearing is right for you.