Mortgage Broker Gold Coast, Brisbane, Sunnybank
I have been in the Banking & Finance industry for 42 years. Which means, I have been in finance longer, than the age of most bank managers. I have worked for a number of financial institutions, and have held the positions of Branch Manager, Lending Manager, Area Manager, and State Manager among others. For the last 22 years I have been a broker with Loan Market, and in that time have organised in excess of $200 million in home loans. I have dealt with over 1,000 clients. I am proud to say that I have never received a complaint from any of my clients. I have been an Elite Broker for a number of years, and have won an MFAA Excellence Award. So not only am I a qualified, and experienced professional, I also have a very proud record in the industry.
What gives me the edge?
- I listen to my clients needs.
- I show my clients what is required and why? My client’s usually tell me, “I never knew that”?
- I keep my clients up to date, and abreast of the progress of their finance application.
- I can be contacted after hours and at anytime. I get a lot of clients who ring me on weekends, after seeing a property they like, and ask me to do their numbers.
- I work out the best financial structure, which will achieve my client’s goals sooner.
- I look at my client’s short term & long term aspirations and needs.
- If I do not have the answers, I have other professionals at my disposal that do.
- I have held numerous public seminars for both first home buyers, and real estate investors.
- Best of all, …………….. “I return calls in a timely manner”.
Buying your home can be an exciting yet overwhelming experience, not to mention a big financial commitment. . When you look for a home loan, consider the size & type of the loan, the deposit you have and the type of property you want to buy.
With access to a wide panel of major banks and lenders you can trust, that I truly understand the finance and real estate market.
There are hundreds of home loans available. I will help you compare home loans, loan features, fees and charges to help you secure the most competitive loan, and put together the right structure for your current lifestyle and future finance needs.
Property can be an excellent wealth creation vehicle, if you get it right. A big part of that is ensuring you have the proper finance package and structure for creating long term wealth and prosperity. It is important to set good foundations, based on your goals and current financial situation.
First Home Buyers
Congratulations! If you are like most first home buyers you are excited about getting your foot in the door of your own home. Most first home owners are filled with advice from well meaning relatives and friends. Some good, and some not so good! I will guide you through the maze, and debunk some of the myths. You may also be a little uncertain of how the lending process works and don’t want to make the wrong decision. If so, you have arrived at the right place. I pride myself in being able to teach first home owners, the ins and outs of finance, and breaking it up, so that it is easy to understand.
- How much can I borrow?
- How much deposit do I need?
- What type of loan is best for me?
The loan that’s right for someone else may be completely wrong for you, that’s why it’s best to speak to me before you accept an offer from a big bank. “No Bank Manager will ever send you to a competitor to get a cheaper loan”. But with over 800 home loan products available from a wide panel of over 60 banks and secure lenders, I can look at a wider range of options for you. I will help you compare home loans to find the most competitive offer for your finance needs and unique lifestyle, and hold your hands every step of the way.
Refinancing your current home loan is a good idea if you want to lower your monthly repayments, access existing equity in your home loan, or to consolidate debt.
When you refinance, be prepared for costs that may be associated with the move, these will come at either the start or exit of your home loan. But some lenders are keen on your business, and sometimes will drop their setup costs to attract you over. 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 timeframe for both your current and proposed home loans.
Talk to me today if your financial situation changes or, you just want a better deal on your current home loan. Either complete the form below or give me a call on 0411 490 382.
A good investment loan can make property investment a much smoother process. Investment loans vary depending on what you are looking to achieve, and can be either very simple (like your standard home loan), or something more complex that helps you to make effective use of tax, gearing and repayments. I will debunk some of the myths that you may have heard, and show you how to effectively structure your finances to help you achieve your goals quicker.
Some of the loan types and payment options for your investment loan include:
- Variable rate loans
- Fixed rate loans
- Line of credit loans
- Interest in advance
- Interest only repayments
Talk to me today to find out how you can make good use of loan features such as redraw, offset, and additional repayments to help manage your investment loan. Either complete the form below or give me a call on 0411 490 382.
Many Australians enjoy the freedom of working for themselves, but being self-employed means time is of the essence, not to mention the challenge of keeping up with the paperwork of running your own business. That is why I can come during business hours to your employment, or after hours in the convenience of your home.
Many self-employed borrowers talk to a mortgage broker over a lender because they want a wider range of home loan options. Talking to me is like having your own personal finance expert 24/7, helping you secure a competitive home loan with the right structure and lender.
I understand the most important thing is choosing the right loan structure and the right product, and getting it approved on time. Communication is imperative throughout the home loan process – I provide you with all the information you need and the progress of your home loan, whether you are a first home buyer or a seasoned property investment veteran.
I have held hundreds of free, informative seminars in the local area as part of my commitment to providing good, accessible home loan information to those who need it most. These seminars have covered all aspects of the finance process including: first home owners’ options, investment finance and securing finance for purchasing at auction.
Home Loans for Miners
Miners earn a good income, but as a result of the remote areas they are working in and the unusual hours, often need extra support. Things like access to a mortgage broker at odd hours, and a system of phone, fax and email communication to finalise requirements and documents, are important. I provide regular updates and if you have a question at any time, I can be contacted easily – ring me at midnight one night, and see how many times it rings before I answer!
Home Loans for Divorcees
As a divorcee myself, I can relate to the anxiety of a marriage break up, particularly when it comes to property and finance. I understand the Family Court system, and can work well with both parties and their solicitors to ensure a satisfactory outcome is achieved when it comes to buying a property out.
What You Can Expect from Your Appointment With Me:
- Simplified paperwork
- Flexible application process
- A competitive interest rate
- Access equity for your business/personal and investment finances
- Effective structuring of your finances & loan
- Creating a strategy that will bring your ambitions and dreams that much closer
Talk to me today to find out your home loan options. You can either fill in the form below or give me a call on 0411 490 382.
Southern Brisbane and Gold Coast customers
As a local in the south of Brisbane who has been living in the area for the past 20 years, I particularly enjoy assisting local borrowers and work throughout the southern suburbs of Brisbane and the Gold Coast, including Sunnybank, Browns Plains, Springwood, Beenleigh, Runaway Bay, Southport, and Surfers Paradise.
Post-graduate certificate in Financial Planning
Certificate IV in Mortgage Broking
Fellow with FINSIA
Bachelor of Business (Marketing) (QUT)
Certificate of Management (QUT)
2007 Mortgage and Finance Association of Australia Excellence Awards: Finalist BDM of the year.
Top International Broker (Loan Market) 2000, 2001