Loan Market Mortgage Broker servicing Inner West, Eastern Suburbs, Sydney CBD and surrounding suburbs
About Ronny Tenges
Home Loans in Strathfield
I am passionate about helping my clients achieve their dreams. As a mortgage professional I am dedicated to ensuring my clients are informed during every step of the process from the interview stage, right through to Settlement and beyond. 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 access to home loans from a large range of major banks and secure lenders, and I truly understand home finance in a real estate context.
I am really keen to assist my clients to find a competitive home loan that suits their needs. With over 8 years experience in the mortgage and finance industry, I am dedicated to ensuring my clients are informed during every step of the loan process from the interview stage, the home loan submission through to settlement and beyond.
If you are thinking of buying a property now or in the future, getting your finances sorted out early can ensure you are in the best position to negotiate for the property you want.
I have access to hundreds of home loan products from over 30 well known Banks and Secure mortgage lenders and can help my clients secure a competitive home loan, refinance loan or investment loan for their finance needs. I can also assist with a wide range of loan products from home loans, investment loans, construction loans, business loans to personal loans, and deposit bond.
'Ronny has been very efficient and proactive in helping me obtain my investment loan for purchasing my investment property. He is knowledgeable in the mortgage industry and has provided clear time frames of what I should expect along the way and i was given regular updates up until settlement so I feel my home loan is always under control. He is always available to attend to my queries and needs. His also a patient guy who has a high attention to detail. His customer service is exceptional and I will not hesitate to recommend him to my friends as a broker. I know they will be provided the same service I got as well.'
For an estimation of how much you can borrow, try the calculator here
First Home Buyers
Buying your first home is an exciting experience, but there can be 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 as a first home buyer and choose 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 to fill in the paperwork.
As first time home buyers, we had a million questions. Ronny was always quick to reply whether it be by phone or email. He was there for us every step of the way, and made it a very knowledgeable and comfortable experience for us. Thanks Ronny for your help! You were incredibly awesome to deal with and extremely helpful. We will definitely be forwarding your name to anyone we know in need of a great mortgage broker. You were awesome!!!
Andri & Dewi
Home Loan Deposits in Strathfield
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 buyer incentives; it is important to note, however, that 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, usually your parents, offers their existing property as security for a portion of the home loan, generally around 20 per cent.
When purchasing a property for investment purposes, the right finance is just as important as the right property. I will help you to find the right investment finance structure most suitable for your situation to help you maximise your overall investment plans and goals.
Debt Consolidation in Strathfield
Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards, store 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.
Refinancing your mortgage is something that takes careful consideration. The most important thing to look at, is if refinancing will put you into a better position than you would be if you stuck with your current home 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.
Bridging Loans in Strathfield
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 your next home. 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 (often referred to as capitalising the interest). Once you have sold your old property, the proceeds go towards paying off the bridging loan.