Loan Market Mortgage Adviser servicing Earlwood, Bankstown, Strathfield and surrounding suburbs
About Jason Basseal
My customers all have similar philosophies, pay the home loan off fast and make money from investing. Regardless of which category you fit into, one thing always holds true: it's not about the interest rate, it's always about the structure.
Sometimes having the cheapest interest rate will cost more in the long term, when you take into account fees, flexibility of structure and liquidity. Having a good cash-flow structure in place for both your home loan and investment loan will enable you to maximise your monthly cash-flow, and thus, secure financial freedom faster!
For All Loans, Structure Is Important
I service a vast range of loans and structures, including Interest Only or Principal and Interest repayment options, non-conforming loans, building and construction loans, and development and commercial loans. I provide solutions for clients requiring residential lending, commercial lending, business lending, business overdrafts, mortgage protection and financial planning products.
The key to finding the right loan from the vast array on offer is to determine the most beneficial structure for your situation. This could include a loan with an offset account, The option to pay interest in advance, choice of asset protection products and so much more.
Any fears I may have had in organising finance (scary as it is) when buying my first home in were immediately erased after meeting with Jason. He made sure I was kept up-to-date with any develooments in the loan application and saved me so much time and money by completing most of the paperwork for me. Jason even compared hundreds of loans, features and rates to find a loan that was well structured for my lifestyle. Thanks for all your help Jason you made the process so easy and hassle free. Caroline, NSW
The Best Home Loan For Your Finance Needs
My focus is always on finding you a financial solution that optimises your cash flow management. While the home loan or investment loan you choose may be very different from the next person, the goal and therefore the overall process is always very similar. This process includes everyone from first home buyers, to self-employed borrowers and borrowing through a self-managed super fund.
The interview process I will run through with you will focus on achieving financial freedom. Some questions I will ask include:
- What are your long term goals?
- What are short term goals?
- What do you want to achieve out of working with me?
By understanding these three concepts, we can ensure you secure a loan with the right lender for your situation, that has the structure that is most appropriate to your needs.
First Home Buyers
I use a range lenders, but the important thing I look for is flexibility. For example, many first home buyers will, in the next 3-5 years, want to start a family. This means securing finance with a lender that has the flexibility to either pay extra off the mortgage to allow for maximum cashflow during maternity period, a lender that allows applicants to have a repayment holiday, or even a lender with a loan structure which works to reduce the total interest payable and allows you to repay your home loan at a fast rate early in the loan term.
I had a self-employed client making the biggest investment of his life purchasing his dream home in Rodd Point. He came to me looking a for a loan to finance his purchase, we went through his Asset and Liability Statement, and current cash-flow structure with business and personal accounts, and found that he had too many accounts paying each other. It was much like robbing Peter to pay Paul.
My customers' financial situation had him open to many tax implications unless he otherwise restructured, so we corrected the structure to streamline his finances. Firstly, we sorted out the loans he needed, consolidated debt and business loans. We then streamlined his cashflow and separated business and non-business expenses.
We are now working on maximising his tax deductions from other investments, thus putting in a strategy to pay off non-deductable debts within a timely manner.
I have built solid relationships with key complementary professionals who can assist you with all aspects of property purchase, including real estate agents, accountants, financial planners and solicitors. These businesses include:
- Ray White Bankstown
- Ray White Earlwood
- Ray White Marrickville
- Ray White Dulwich Hill
These relationships have helped make the property purchase process smoother for first home buyers and investors alike, with a complete network of professionals who are dedicated to working together to make buying property an exciting and easy experience.
Jason Basseal from the Loan market was a great inclusion on auction day and during the open house period. He provided prospective buyers with a knowledgeable resource that could increase their understanding of the true value of the property from a lending perspective, as well as their true borrowing capacity during such uncertain economic times. Brendan, Earlwood, NSW
Prior to my life as a mortgage broker, I was busy assessing credit applications with ING Direct. This has enabled me to understand credit policy, how to fit a deal and where to go the first time for the best results for your loan application.
I always had a passion for finance and investment markets, and hold a Bachelor of Economics and Finance (Sydney University, completed 2001). This degree provides me with an understanding not only of the economic background in the finance industry, but the macro economic aspect and cycle we are currently facing.
My belief in Jason is indicative of the fact that I chose him to look after the clients of my own business. I would highly recommend Jason to any property buyer. Tony Roumanous, Principal, Ray White Bankstown
Diploma In Financial Services
Australian Financial Services License
The Authorised Representative Direct Finance Solutions Pty Ltd (301601) is an Authorised Representative of Pivotal Financial Advisers Limited (AFSL No. 237857)
I completed my Diloma of Financial Services in 2008 (RG146 Compliant) after meeting with so many customers who were concerned and confused about the next steps to take in their financial plan. I now have the qualification to provide advice where required. Financial Advice from myself can cover everything from investing to protecting your assets.
Registered Financial Adviser
As a registered Financial Adviser/Planner I can provide customer cashflow solutions, and cashflow plans. When any customer visits a finance broker, they strip nude the entire asset position they currently hold, yet the only treatment they receive is the end debt, and property asset. By securing finance with myself, you have the opportunity to not only secure the dream by purchasing property, but also, the reassurance that should you require the services of a long term financial plan, you can feel comfortable with dealing with the one professional who services all aspects of your financial needs.
During my time with Loan Market, I have achieved the following accolades:
- High Achiever 2009
- High Achiever 2008
- 200 Million in Approved Loans
- No. 1 NSW Lending Manager 2008
- Top 30 Loan Writer in Australasia 2008
- Member of the Loan Market Elites Club
- I am an A+ Broker with Westpac, which means guaranteed ongoing service
Sydney Inner West Customers
Being based in the Inner West, I find I am central to most of Sydney. I have clients based in Earlwood, Bankstown, Ashfield, Marrickville, Rockdale, Parramatta, Liverpool, Double Bay, Balmain, Drummoyne, Five Dock, Leichardt, Campsie, Dulwich Hill, Brighton, Campbelltown.
Having access to the M5, it only takes you 15 minutes from parts of Sydney to visit my office.
I am really impressed by Jason's professionalism and passion. The manner, in which he deals with his clients and manages his business, is second to none. One of the offices that Jason looks after is Ray White Bankstown (my own office) and his passion for finance and securing the best home loans for his clients is what really drives him. Tony Roumanous, Principal, Ray White Bankstown