Andre Pretorius

About Andre Pretorius

Following a period of more than 30 years in retail and commercial banking, I joined the Loan Market Group as a Mortgage Broker. My aim is to be recognised as a broker that provides clients with direct access to lenders, and who manages a client’s finances as I would my own.

So whether you’re a first home buyer or investor, an owner wanting to reduce your interest rate, alter your payment plan, access the equity you’ve built up in your home, or just want to look at options for consolidating your debt, I can assist you in finding a product specific to your needs. And in using my services as a qualified Mortgage Broker you leave the hard work to me, saving you time, energy and frustration - and at no cost to you.

"Andre has been professional and made us feel at ease from the first day. You could phone him with a question at any time and he always made you feel as if you were his only client. We were on overseas holiday during the application and we trusted Andre to do all the necessary to get our loan approved. We never had any doubt that he would get it all done. What peace of mind. Invaluable." Adriana, Ellenbrook WA 6069

“Andre is very thorough and he looks for the very best deal for your circumstances. He also makes sure that paperwork is in order 1st time so no unnecessary back and forth with errors.” David, Tapping, 6065

“Andre was very friendly and professional. Could answer all our questions and was 24/7 available when we needed information from him.” Jonty, Landsdale, 6065

"He was very professional and went out his way to get us the correct loan which suits our needs." Coenrad, Ashby, WA 6065

“His service was excellent and he always kept you up to date with the progress of the application.” Deon, Jindalee, 6036

Home Loan Pre-approval

A home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. Home loan pre-approvals are generally valid for about three months.

First Home Buyers

Buying your first home is an exciting experience, but there is a lot to think about. My role is to make the application process as smooth and easy as possible. I will help you to understand the types of home loans available, and will assist you in selecting the right one for your situation. If you are eligible for the First Home Owners Grant or any state government first home buyer assistance, I will help you fill out the paperwork.

“Andre was highly professional, efficient, taking us through the whole PROCESS of purchasing our first home with patience, understanding and helping where ever he can. The feeling of trust is important. Andre is warm personality and showed that he cares for us. He did get the best deal for our circumstances. He stood by his word. He always keep appointed time. He was always available, just a phone call or e-mail away. Andre deserves our respect and recommendations. He is highly skilled and experienced financial broker. The best we could wish for. “ Natasa, Balga, 6061

“Andre was very helpful and knowledgeable and went above and beyond his normal duties to help us with our first home purchase.”Clayton, Ellenbrook, 6069

The Deposit

Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including savings, monetary gifts, inheritances and first home owner incentives.If you don’t have the deposit required, you may be able to make use of family equity, also known as a limited guarantor loan.

Property Investment Loans

Property investment can be a smart wealth creation strategy if you get it right – but that doesn’t just mean finding the right property – it needs the right investment finance as well. Your investment loan package should be tailored to your investment strategy and goals. I work closely with your financial planner and accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.

"I have dealt with numerous brokers over the last 14 years of purchasing personal and investment properties. Andre has by far been the best broker I have ever dealt with. He has good product knowledge and has always shown our best interest to be a priority not his commission. Andre goes far beyond what is required to help us. I used to shop around for brokers but not anymore. Would always use him and recommend him to anyone." Zaw, Wannanup, 6210

Health Check Your Mortgage for Refinancing Loans

Your financial health is as important as your personal health, and there are a number of reasons when changing your mortgage conditions makes sense. Changes in interest rates are one reason. By changing from a fixed rate to a variable rate, or vice-versa, or even combining rates in a split loan can save you money, putting cash back in your pocket. Another reason for refinancing your mortgage is to access any equity you’ve already built up in your home, again making cash available for other expenses, such as further home improvements or that dream holiday.

The most important thing to consider is if refinancing will place you in a better position than you would be if you stayed with your current loan. I will assist you in comparing your current and projected costs and any savings, and if you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork.

“Always had the sense that Andre was looking out for our best interests. He was very obliging in being prepared to meet with us when it suited us.” Gary, Cottesloe, 6011

“Andre was very professional in giving us all the options, without pushing us in any direction or putting pressure on us to make a quick decision.” Jaco, Landsdale, 6065

“Excellent information provided very friendly and helpful service.” Sam, Wanneroo, 6065

Debt Consolidation

Consolidating your finances can be a handy solution when you are struggling with repayments with several lenders, such as your home loan, credit cards, car loans and personal loans. Consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space and cash back in your pocket.

Low Doc Loans for Self-Employed Borrowers

Many self-employed borrowers need a loan that isn’t quite standard. Low documentation, or low doc loans fulfil the needs of many self-employed borrowers.

“Friendly,honest and genuine person who does his job with passion. Extremely rare these days!” Gilbert, Lower Chittering, 6084

Achievements

• Diploma of Finance and Mortgage Broking Management
• Certificate IV Finance and Mortgage Broking
• Diploma of Financial Planning
• National Diploma: Real Estate: Property Valuation