Loan Market Mortgage Adviser servicing Newcastle, Erina, Woy Woy and surrounding suburbs
About Ian Buckley
We live in a fast-paced world nowadays - everyone seems to be in a rush! Researching the numerous lenders and products on the market can be difficult and time consuming.
My advice: Get an expert on your side. A simple phone call or email to a professional mortgage broker will help you select the loan and rate that's right for you.
I have more than 25 years combined banking/broking experience and in that time have dealt with all forms of lending, from first home buyers to complex company structures.
I offer a fully mobile service and can meet you at a time and place convenient to you.
First home buyers
Traditionally, this has been a large part of the market on the Central Coast; while demand has reduced in recent times due to the First Home Owners Grant being scaled back, it's still a predominant part of my business. I enjoy spending time with first home buyers to ensure they fully understand the home buying process. I understand it can be daunting task but make it my responsibility to make the experience as simple and stress-free as possible.
Investors are becoming stronger players in the local market. I have a great deal of experience in this realm and understand the tax implications that investors face. Loan structure is also particularly important for these types of loans; I have saved some investors thousands of dollars in mortgage insurance just by properly structuring their property portfolio.
Home loan health check
It's all too easy to continue with your home loan as is, but a simple health check on your mortgage could uncover potential savings. With utility costs expected to rise dramatically over the next few years, reducing the interest you pay on your home loan may be the easiest way to offset these increases.
Low doc loans
While the traditional lenders have certainly tightened up their lending policy, there are still home loan products available for people who may not fit the usual criteria - do not assume that because one lender has said no, that there isn't an alternative available!
Central Coast customers
The Central Coast covers a vast range of occupation types, ranging from professionals who commute to and from Sydney, to miners operating further north. It is important to deal with an experienced professional who understands how lenders view different types of employment. A recent trend with some lenders is to dramatically reduce the amount they will lend, by disallowing certain overtime entitlements - submitting the loan to the right lender in the first place will save time and reduce unwanted credit file enquiries.
My service goes throughout the Central Coast, including Budgewoi, Toukley, Lake Munmorah, Berkeley Vale, Tumbi Umbi, Killarney Vale, Chittaway and surrounding areas.