Loan Market Mortgage Adviser servicing Mount Ommaney, Graceville, Brisbane and surrounding suburbs
About Ian Morgans
You have at last found a person who makes sense of home loans. I do this for free and in the comfort of your own home (if you prefer). I can submit the loan to your own bank and then negotiate for them to match the best deals in the market. Alternatively, you may consider using a non-bank lender for your home loan.
With 15 years experience and over $320 million in settled home loans, I have the credentials to provide you with the best solutions for your needs.
I can explain the complicated aspects of home loans in very simple terms; offset accounts, negative gearing, capital gains, cash flow planning, investing, fixed home loans, bank fees, government charges, lines of credit and most importantly how to pay off your loan sooner with less stress.
My passion is helping people achieve long term goals. There is a lot more to selecting a home loan than simply choosing the lowest short term interest rate. My financial planning qualifications and experience help me to tailor your needs to your plans for the future. I recommend that you find the home and use me to make sense of your home loan for you.
A home loan, like a home, can be with you for a very long time. A great home loan, like a great home, can make a big difference to your quality of life so it's important to get the right home loan for your situation.
Choosing the home loan that is the right one for you is my passion. There is a lot more to selecting a home loan than simply choosing the lowest interest rate - I will tailor your needs to your financial objectives and plans for the future. We may also discuss wealth creation and wealth protection strategies through property investment and risk management. When completing a home loan application on your behalf, I can often negotiate a better deal than those advertised, even with your own bank. What's more, my service is free - I'll even visit after hours at your home for your convenience.
We were impressed with Ian's market knowledge, and his ability to size up quickly what our needs were, and then offer a wide range of options and solutions without confusing the issue. In short, he made the process very easy and, what is usually a massive ordeal, ran like clockwork. If we ever refinance in the future, I will be happy to use Ian's services and I would be more than happy to recommend him to any of our friends.
Ian and Anna, Yeronga.
First home buyers
Who likes dealing with banks? Nobody, so let a professional like me handle the frustrations. Only a good mortgage broker can help you compare so many loans from so many lenders and give you more than 20 minutes of their time. In fact, it takes 1-2 hours to give you a proper understanding of the home loan choices open to you, so you can make a wise decision, time that I am more than happy to spend assisting you. I can take the guesswork out of the home loan process, by ensuring that you are 100% happy with your choice of loan and that it gets the best chance of being approved.
I have had major experience with investors using their equity and gearing benefits to create wealth. Some of the most important questions to work out the answers for when we are looking at your investment loan options include:
- Is it necessary to use your home as security for an investment loan?
- Is it wise to have a loan over one property fixed when it is cross-collateralised with another?
- Should you stay with your current lender or diversify to another?
- What is the best way around these issues?
Ian has delivered exceptional service and his advice was â€œspot onâ€� regards the best product on the market to meet our needs. Ian has gone the extra mile to meet with us at times convenient to us, even in the evening, which has been much appreciated. We will definitely use Ian again for our next investment property purchase and we will confidently recommend his services to any colleagues and friends.
Clint and Anna, Kenmore.
Limited guarantor loans and information about being a guarantor
If your kids don't have 5% of the purchase price saved up for over 3 months, then you may be able to help them by guaranteeing only 20% of the purchase price. But this is always a worry for guarantors. How does it work? When can you remove yourselves from being guarantors? How does this affect your other financial circumstances? Having a confidential chat with me will give you these answers so that you can make an informed decision.
Experience with complex financial situations
As a result of my Financial Planning qualifications, I am experienced with Trusts, negative gearing, tax planning and cost minimisation through the use of various structures and strategies, including: asset protection, tax minimisation, wealth creation and risk minimisation.
Clients for life
I simply love my job and I wouldn't swap it for any other job around. What's more, I am very good at it! I get great satisfaction from knowing that I have helped you and others just like you to secure a better loan than you may have otherwise settled on. I have helped hundreds of clients to create more wealth than they would otherwise have and over half of the loans I settle are for previous clients, an indication of how happy they are with my service.
Grad Dip Financial Planning (2007)
Cert IV Fin Planning (Mortgage Broking)
Find me on LinkedIn: http://au.linkedin.com/pub/ian-morgans/35/b04/74a
View the Loan Market Credit Guide here