Loan Market Mortgage Broker servicing Bundoora, Mill Park, Epping and surrounding suburbs
About Alex Cedeño
I have been in finance for a number of years and I understand how vital it is to not only get the right finance, but most importantly, the right loan structure from the very beginning. As an experienced Mortgage Broker, I help you find effective solutions to your situation, whether easy or complex. I always make sure you are fully aware of the ins and outs of the loan application process - I believe it is important you are involved so you know you are getting the right home loan to achieve not only your short term, but also your future goals.
First home buyers
First home buyers want to know what happens throughout the loan process in simple terms. I understand how frustrating it can be not to get the answers you want (or not understand the ones you get!) and I am experienced at explaining each aspect of your loan application in plain English.
Some of the most common questions first home buyers ask me are:
- How much deposit will I need?
- What is my borrowing capacity?
- What will my repayments be?
- What lender would help me based on my situation?
Based on your situation and needs, I provide the answers to these questions and any others you may have at your first interview. I believe it is always important for you to be aware of the best and worst case scenario regardless of how simple or complex your loan. It is why I am available 24/7 to have all your questions answered.
We were very impressed with Alex, he communicated with us through out our application and handled the short settlement with ease, taking the stress from ourselves. George Tsibas & Zoe Thomson, Craigieburn, VIC.
Land and construction loans
The long wait to see your dream house completed can at times be a painful experience but with professional advice and attention to detail, 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. My focus is to make sure the process is hassle free from pre-approval to settlement, and I personally keep you updated as well as liaising with your builder and your conveyancer or solicitor to make sure we are one step ahead throughout the process.
Getting the correct loan structure for your investment needs is important as it can save you a significant amount of money and stress. Whether you are using the equity in your home to get started or are looking to cross-collaterise other investment properties to buy the next property, it is important to make sure your loan/s maximise your investment earning potential.
Depending on your situation, I can assist you to:
Find the right package loan for you - Professional packages are available to borrower's based on loan size not on profession.
Wisely collaterise your properties - It can be beneficial to use different lenders to reduce the cross-collaterisation of securities of your mortgages.
Maximise lending capability - Using different lenders can sometimes allow you to borrow more dependent on each lender's individual credit policy.
Alex acted as a trusted advisor and made a cumbersome, difficult process as easy and painless as possible. Highly recommended. Larry D. & Kim J. Cafiero, Elwood, VIC
Loans for every situation
Every loan is different and not all products will suit your needs, so it is important to work with a broker who will spend the time to understand what you require and to identify what bank/product will be most ideal for your situation.
I also specialise in the following types of loans:
- Home Changeover planning
- Low deposit lending
- Self employed applicants
- Low Doc
- Business Loans
- Personal Loans
- Car Loans
Alex was accommodating, prompt, friendly and provided good customer service. Randolf Garcia & Ebony Speekman, Mill Park, VIC.
Free property reports - RP Data
If you are searching for a property to buy or considering the sale of your home or investment property, I provide a free report from RP Data to better equip you with knowledge about the property market. Your free report will give you insights into the value of your own home, as well as detailed information about properties listed for sale or recently sold.
Customers - local, Victoria, Interstate
I am based in the Northern Suburbs and travel to clients in Epping, Bundoora, Greensborough, Rosanna, Mill Park, Craigieburn, Carlton, Albert Park, Port Melbourne, Balwyn, Mount Martha, Wyndham Vale, Sunbury. I also have clients from across regional Victoria and other interstate areas such as Canberra and Brisbane.
Community minded - volunteer coach
I am a volunteer Auskick coach in Epping. Helping the boys (including my son) and girls with their training is a great feeling as you know that a few of them will pursue a professional career in AFL and that you were part of their achievements.
I have a close relationship with associated professionals who have consistently demonstrated the highest quality in customer service and customer satisfaction, including Solicitors, Real Estate Agents, Bank Managers and Accountants.
Ray White South Morang
Fax: 03 9404 1896
Fax: 03 9436 4688
ANZ Rivergum Website
Paramount Conveyancing Practice
Fax: 03 9333 6520