Loan Market Mortgage Adviser servicing Shailer Park, Logan,Marsden and surrounding suburbs
About Lindsay Sanderson
Home Loans in Shailer Park
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.
"I have used the services of Loan Market via Lindsay Sanderson twice over the past two years and he is a true professional. He makes himself available and will always return your call, text or email in a timely manner. The whole process is made easier and less stressful knowing Lindsay is behind you. He goes the extra mile to get his customers the best loan for their needs."
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 Shailer Park
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.
Property Investment Loans in Shailer Park
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.
"I am not new to buying and selling and have had my fare share of average experiences with brokers and real estate agents, needless to say, when I was referred to Lindsay, I was a little unsure but very hopeful given his recommendation to me.
Well to his credit he never let me down, he was constantly in contact with me letting me know how things were progressing and doing everything in his power to make sure I was able to buy the house I wanted, which of course I got and am very happy in my wonderful place.
He was very kind, understanding and generous with his time and there was never a moment where I felt I couldn't contact him. As far as I am concerned he went above and beyond all expectations and I would and will recommend him to anyone I know.
Thank you Lindsay, for making everything so simple and easy. I have never felt so relaxed and at ease in buying a house than I have had with you in my corner."
Angela Banki, Brisbane East
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 time frame 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.
"I was in a very difficult situation, and going through a nasty divorce, when I had to refinance our family home. I had approached my bank, with whom I had banked with for 32years,they were slow and disorganized. When I first met Lindsay Sanderson, I could tell right from the start, that he was a "real people person", very genuine and sincere, which is refreshing in today's society.
Lindsay took the time to carefully listen to me, and gained a understanding of what I wanted to achieve, he was very approachable, and the knowledge of his industry was quite extraordinary. He rang me back exactly when he said he would, was completely on the ball at all times, and was meticulous in his attention to detail. I could relax, and actually enjoy a experience that I had anticipated as extremely stressful and difficult. It turned out to be hassle free, with a result better than I had hoped for!!!
It has been a absolute pleasure dealing with Lindsay, and his PA Courtney, when I recommend Lindsay to my clients, I do so with the utmost confidence and I know I am doing them a big favour!!! A true "professional" dedicated, hard working, always with a "can do" attitude, and a brilliant asset for Loan Market. Lindsay you have helped me change my life and move forward with confidence, thank you from the bottom of my heart."
Debt Consolidation in Shailer Park
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.
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.
Low Doc Loans for Self-Employed Borrowers in Shailer Park
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.
Upgraders / New Property Buyers - Bridging Loans
Financing the move from one property to another can be quite stressful, especially if you are yet to sell your home - a bridging loan can help free up the funds that are tied up in your current property to purchase the next one. With a bridging loan, your lender will use both your current and new property as security and lend you enough to buy your new home.
While you are waiting for the sale and purchase process to be completed on both your current and new property, you make interest only repayments on the loan, or maybe even no repayments at all (referred to as capitalising the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over (known as the end debt) is then transferred to a standard home loan, becoming the home loan on your new property.
What our clients have to say:
"Thank you so much for making my dream a reality. I never in my wildest dreams believed that I would ever have the opportunity to do a property renovation. Lindsay, from our very first meeting you impressed me. I felt comfortable and willing to put my trust in you. You were so supportive, encouraging, personable and genuinely interested in my situation. I am so grateful to you for taking me seriously and not dismissing my dream. You have a wealth of knowledge and I intend to heed all you have passed onto me. Please know that I am truly appreciative of all your time and dedication that you put into finding me a lender. You were amazingly kind to me!
Courtney and Emily - Thanks for all your behind the scenes work.... phone calls, emails, updates. You were so efficient and friendly; you are a breath of fresh air. This couldn't have happened without you.
Your service has been nothing short of outstanding; second to none. I will be highly recommending you to anyone I know who is searching for finance. What a great team you are."