Loan Market Mortgage Broker servicing Hallett Cove, Port Noarlunga, Brighton and surrounding suburbs
About Marie Soliman
When you use a mortgage broker, you are giving yourself a chance for a successful outcome with a lending option that is suited to your financial situation. If you go to one lending institution for a mortgage, you get one option. If you come to me, I have access to many lenders and can present you with options - and options that are best suited to your circumstances.
What is vitally important to me as a broker is to provide a service that assists people in one of the most important transactions that they will have in their lifetime. I see my job as empowering people to make important choices. What makes me successful in my job is my clients. I want clients to come back to me over the years so I will ensure that I do my absolute best to achieve happy and successful outcomes so that I have a client for life.
Home Loans in The South
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.
Dear Marie, Thank you very much for helping me achieve my dream and being so happy to put in the extra effort. I appreciate all of your help and will recommend you to all of my friends.
Libby, Fulham Gardens
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 The South
Buying your first home is an exciting experience, but there is a lot to think about. It can be a daunting experience first time around and I like to help make it less overwhelming and more exciting. Buying your first home can be such a joyful experience and with the right help, it can be just that. 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.
We really struggled to get our first home loan. We had been knocked back and Marie was our last hope. Marie managed to get it through for us and eighteen months later, we have used the equity in this property to buy another and we haven't looked back. Great work Marie!
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 The South
I love organising residential investment loans. It is such a great feeling when clients are getting ahead and buying investment properties. Whether you are accessing equity in your current property, or trying to put some money to work for you, I can help make this process a successful and happy occasion.
When was the last time you looked at your options? Could you be saving money? Time to find out. Give me a call. If I can't do better than what you currently have, I will tell you. But if I can, you could save money and let's face it, who doesn't want some extra cash?
Dear Marie, the split loan you organised for us last year is working really well. We have managed to pay an extra year's mortgage repayments into the variable portion. This will enable us to have a stress free year when we have our baby. Thank you!
Carla, Camden Park
Debt Consolidation in The South
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 The South
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.
My qualifications come by way of experience. Aside from being a registered and experienced Mortgage Broker, I have walked many paths in my career which enables me to relate to people on every level. I also poses a Diploma of Financial Services.
Business Community Involvement
Being a mother of a beautiful baby girl has made me want a loving, supportive upbringing for all children. Therefore I like to support children's charities wherever I can. Predominately I support the Plan organisation who sponsor children in third world countries.
I also support Animal Welfare League of South Australia and when I can, Animals Asia.