Mortgage Broker servicing Gawler, Willaston, Evanston Park and surrounding suburbs
Whether you are buying, investing, refinancing or building your dream home it can be made very easy with the help of Ben. With over 30 lenders on his panel, his knowledge of finance and love for real estate, Ben will ensure the loan application process will be smooth from beginning to end.
For something as major as your home loan, it is important to know what benefits a mortgage broker can provide you instead of going directly to the bank. As a mortgage broker i have access to over 30 lenders you know and trust as well as 1000 different loan products. I can assist you with owner occupied loans, investment loans, buying your first home, construction loans and guarantor loans.
Investment Home Loans
Whether you are looking to purchase your first investment property or you already have an investment portfolio, I can assist you. If you are unsure where to start I can sit down with you and go through your assets, income and expenses so that we can get a better understanding of how much you can afford to borrow to invest. Make sure you have a mortgage broker on your side as well a good accountant and property manager looking after your biggest assets.
Knowing exactly what to expect when building your home is a key part of a successful build. Building can be a complex process that involves multiple parties including; builders, contractors, solicitors, accountants, quantity surveyors and the council. It is in your best interest to choose a broker who knows the in’s and out’s to a construction loan; that's where I come in.
First Home Buyers
Buying your first home can be very daunting but exciting. I will assist you through the whole process, from our initial meeting, which I will go through with you all aspects of your loan and any questions you may have. The most commonly asked questions being; How much deposit do I need? How much can I borrow? How does the first home owners grant work?
The most important thing to ask yourself when you are considering to refinance is, will this put me in a better position? I can go through the sums and costs involved in changing home loans. If it's going to put you into a better position then why not?
Even the Government is suggesting you refinance this month, but why?
For Australians with a home loan, we’re dealing with two major factors that you should know about right now. The first factor is that banks have never been more competitive for your business, and the second factor is that those same banks, ironically, are largely failing to pass on the full rate cuts available, so you’re probably paying your current lender more than necessary in this market. What does this mean for your home loan today? Is haggling worth it?
BID is my BAU!
Not sure if it will affect you? This month the Government is knee-deep in a bill that absolutely affects your business and mine, and certainly affects our clients. Also, it’s a confusing market for borrowers. Interest rates are down and the media has been positive that by all indications, the property market is recovering, although housing stock is still light on compared to demand - particularly for springtime - which is partially responsible for driving up prices in most capital cities. How can you help them decipher it?
Are mixed messages creating uncertainty for your clients?
It’s a confusing market for borrowers. Interest rates are down and the media has been positive that by all indications, the property market is recovering. However housing stock is still light on compared to demand - particularly for springtime - which is partially responsible for driving up prices in most capital cities. Lender competition is fierce, but there’s more scrutiny than ever on borrower spending, meanwhile banks aren’t passing on rates in full.