I have been involved in providing financial solutions for clients for over 20 years. My clients benefit from the depth of experience that I have in real estate purchases and real estate investing.
I joined the Loan Market team in July 2011, and I am dedicated and committed to helping my clients secure finance to purchase their dream home, or to grow their investment portfolios.
I am passionate about providing my clients with the best level of service and communication throughout their home loans process. I have received a number of accolades for excellence especially with regards to Customer Service & Customer Care.
In addition to being a Credit Advisor & Mortgage Broker, I am a highly qualified Financial Planner with many years experience.
My experience and training as a Certified Financial Planner certainly helps clients to understand and start planning beyond their current borrowing requirements. The most common client scenarios I deal with involve restructuring a clients current borrowing arrangements in the best way to maximise their future borrowing options.
As a career banker, in Retail Banking and in Private Banking, I have also gained extensive insights into how loan assessors view the risks associated with different types of loan applications and how to best present your information and to negotiate with them. Being thorough in mitigating the risk aspects of your application ensures your loan gets approved on the best possible terms.
My Goals When Providing Home Loans Services:
- Understanding: I will ask you questions about your current and future financial situation to understand your top 3 objectives for purchasing a property.
- Cash Flow: I can help you understand how to improve your cash-flow management.
- Loan Structures: I can provide you with options for loan structures that meet your current and future needs
- Borrowing Power: I can help you understand your borrowing capacity, your monthly costs (before and after-tax) and your actual purchase price range.
- Competitive Home Loan Rate: I will negotiate with the lenders to get you a competitive home loan rate and loan structure that suits your needs.
Lending Areas of Expertise and Home Loan Specialties
- SMSF (Self-Managed Superannuation Fund) Lending
- NRAS (National Rental Affordability Scheme) Lending
- Non standard employment ( PAYG/self employed contractors, short term employment or on probation, reliance on O/T or allowances to service the loan etc)
- Visa Applicants looking for Australian home purchase (457, spousal visa, 485 etc)
Authorised Representative of an Australian Financial Services License
I am also a Certified Financial Planner and have been appointed as an authorised representative of Dover Financial Advisers Pty Ltd (AFSL 307248)