Debbie Tyler

Loan Market Mortgage Broker servicing Hornsby, Turramurra and Wahroonga and surrounding suburbs

About Debbie Tyler

I have been in the financial services industry all my working life. I have filled all manner of positions including lending manager  in retail and commercial banking; most recently state and national roles in the broker services industry for Commonwealth Bank. I left corporate life in 2004 to establish my own business and provide financial services to my clients by offering seamless service and the best financial solution and or outcome for their circumstances.


  • Postgraduate Diploma in Financial Services Management,  Macquarie University 2002- 2003
  • Diploma in finance & Mortgage Broking Management
  • Diploma in Financial Services & Financial Planning
  • Coaching the Coach The Source International  2003
  • Foundations in Financial Planning, Investment Training College 1997
  • Personal Influencing Skills, AIM 2000
  • Justice of the Peace

Business and Community Involvement

I have close connections with other professionals I trust and I have used their services from time to time including solicitors, an accountant with expertise in Trusts and Superannuation and Financial Planners for investment advice.

I have been appointed by Insure & Invest Market Pty Ltd as an authorised representative (AR 271098) of Pivotal Advisers Limited (AFSL 237857). Contact Insure & Invest Market Pty Ltd: Level 7, Riverside Centre, 123 Eagle Street, Brisbane QLD 4000, phone: 07 3231 2277.

Customers and Loans

I believe I offer my customers exemplary service starting with consulting and engaging  them to truly understand their objectives and financial circumstances through explanation and then applying my experience and know how to offer them a solution that is fully researched and matches their requirements;  further manage the process until completion and always within the required settlement  period. In 7 years of broking I have not missed a settlement  date even where the Bank has not provided optimum service. I guarantee to all my clients that I will push the lender to provide whatever is required to meet  the customers' needs and will only promise what I can deliver.

Loans I specialise in:

  • Residential owner or investment.
  • Commercial and small business clients (self-employed).
  • Reverse mortgages (Sequal accredited).
  • Finance structuring for Margin lending and wealth building strategies.
  • Personal risk insurance.

Home Loans in North Shore and Hills District

I have access to home loans from a wide panel of major banks and secure lenders, and I truly understand home finance in a real estate context. Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms. And while the home loan application process can seem daunting, it is often simpler than most people think.

My guarantee to my clients is that with every consultation I will provide an approval based  on all the points following being researched to meet their unique finance needs: 

  • I offer a number of bank and non bank products to meet and satisfy my clients unique requirements.
  • I lodge my loans electronically for faster and accurate submission.
  • I know which bank is negotiable on fees and interest rates or are offering special deals at any given time.
  • I know which lender have processing bottlenecks and will not be able to settle on time.
  • I know turnaround times.
  • I know who will go outside policy where required.
  • I know which mortgage insurer are active.
  • I know how different banks treat fixed rate “rate lockâ€� issues and lump sum or early repayment.
  • I know which lenders apply exit costs and how much that may impact  clients decisions.
  • I know which banks have higher loan to value ratios from time to time and the restraints involved.
  • I know how each bank operates their servicability test and how this can impact upon a loan decision.
  • I know how banks treat credit cards in servicing.
  • I know how different lenders apply assessment rates.

Home Loan Deposits

Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances and first home owner incentives. However, most lenders will require at least a portion of your deposit to come from genuine savings.

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. The most common form of family equity is where a family member, offers their existing property as security for a portion of the home loan, generally around 20 per cent.

First Home Buyers in North Shore and Hills District

I offer guidance to new borrowers right through the home loan process from research, dealing with a real estate agent, the buying process and the contract of sale, the loan application, the conveyancer and the loan to settlement. This assistance then extends to the life of the customer and the changes in their circumstances over the years.

Many of my first home buyer customers' from up to 7 years ago have since married and now have small children.  They are now finding they require more space and are looking to upgrade. I keep in touch through my newsletter and phone calls; a home loan review is welcome and offered anytime.

Buying your first home is an exciting experience, but there is a lot to think about. I make the home loan application process as smooth and easy as possible, so you can concentrate on finding the right home. As part of my service, I will help you to understand the types of home loans available to you and will assist you in choosing 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 in the paperwork.

Home Loan Pre-approval

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-approval is generally valid for about three months, and you will still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval.

Just a short note to thank you for your assistance and expertise in getting our  interest in advance loan organised so quickly.  I am sorry we could not be contacted while we were overseas and that you could work things out with our accountant in our absence. You will be pleased to know the Bank drew down the interest on 27 June just in time. Our accountant has confirmed everything is OK . Thanks so much... Merle,  Brookvale NSW

Property Investment Loans in North Shore and Hills District

Many of my clients own multiple properties and need to purchase and structure their loans in the correct entity and loan splits to maximise their taxation deductions relating to their investment properties. I am that specialist to ensure loan accounts are structured and established correctly to match  their accountants advice to provide taxation and cash flow benefits.

Establish financial structures for wealth building and margin lending via advice from customer's financial planner and or accountant.

Property investment can be a smart wealth creation strategy, if you get it right. And that doesn't just mean finding the right property - you need 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.

Our friends recommended we meet with Debbie to discuss our investment property purchase.  It was the best advice ever. With little time available prior to the auction Debbie made the time to see us in the evening. She not only provided a great loan; her advice was invaluable to understand  how to get ready for the auction; what would actually happen at the auction and all the checks we should do prior to going to auction. We felt very well informed and were successful and purchased our investment at a great price. The process from the outset was well managed and approval to settlement was handled entirely by Debbie and our solicitor all the worry was taken out of our hands. The best thing is that Debbie is always available to speak to when we have a question to ask; she is our personal banker. It was the best experience and we have since recommended  Debbie to family. Jan & Sam  Arncliffe NSW

Refinancing Loans

Refinancing your mortgage is something that takes careful consideration. The most important thing to look at is if refinancing will place you in a better position than you would be if you stuck with your current loan. I can go through the sums with you to show you the costs involved in changing home loans, as well as your projected costs over a set timeframe for both your current and proposed home loans. And if you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork to make the change.

Debt Consolidation in North Shore and Hills District

Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards and personal loans. Debt 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.

Loans for Retirees

By understanding retirement strategies established primarily with the customer's financial planner or accountant and with consultation with these professionals I am able to structure facilities to meet the outcomes expected for the self-funded retirees or via Reverse Mortgages (sequel accredited). 

My daughter wanted us to enjoy our retirement and I had been ill and needed an operation which would give me a better quality of life.  Tom and I are in our 70's and we had discussed selling our home and buying something smaller and freeing up some money for our medical bills and also taking a holiday together once I had recovered. My daughter had read about reverse mortgages and called Debbie to come and meet with us.

Debbie was very patient and asked us a lot of questions about how we felt about selling our home and moving.  She knew the worst thing for us was having to move away from our family and our friends as we had lived in our home for over 40 years.  Debbie explained the benefits of taking a reverse mortgage over our house which  would allow us enough money  to have my operation and go on our holiday;  but best of all stay in our house in our suburb amongst  family and friends. This was an answer to my prays. We are worried about the kids inheritance and that we will have a debt on the house but the kids have urged us to do this as they see we have worked hard to pay off our house and now it can help us be comfortable in our retirement  for the rest of our lives. Thank you Debbie our family thanks you.  Ted and Bobbie,  Lindfield

Business Loans Commercial Loans

Good business finance is invaluable when purchasing and growing your business. Business and commercial loan options vary depending on whether you are a start-up or existing business. Whether you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, assistance from an expert commercial finance broker will be invaluable.

Commercial lending is a complex area which requires expertise from your mortgage broker, accountant and solicitor to ensure you enjoy all the benefits of the investment or purchase for your business. The loan structure must deliver  your objectives i.e  interest in advance, owned by self managed super fund, owned by your business etc.

Low Doc Loans for Self-Employed Borrowers in North Shore and Hills District

Many self-employed borrowers need a loan that isn't quite standard, mostly because they don't have the full financial history required to get a regular loan. Low documentation, or low doc, loans fulfil the needs of many self-employed borrowers. You'll still need some financial history and paperwork - often about 12 months BAS statements and an ABN that has been active for at least 6-12 months.

Personal Risk Insurance

Personal Risk Insurance is limited to no advice products including loan protection insurance and disability cover offered via ALI Group (Mortgage Protection Specialists). I am currently completing my Diploma in Financial Planning so go ahead and ask me questions regarding your personal risk insurance.