Multi Awards Winning Team
If you’re an investor looking for a flexible home loan, a first home buyer wanting to enter the property market or simply looking to refinance to save money, you’ve come to the right place. Our job is to help make the process as easy and hassle-free as possible for you, and see you reach your financial goals, sooner. We work with a panel of over 30 lenders and aim to ensure our clients get the most competitive home loan to suit their financial situation.
We service a wide range of loans and structures, including ‘interest only’ and ‘principal and interest’ repayment options, non-conforming loans, building and construction loans, development and commercial loans.
The key to finding the right loan from the numerous products 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.
We provide a personalised service which allows you to know exactly where your application is at all points during the assessment, by keeping you updated throughout the process. We stay in touch through the term of your loan to ensure your servicing needs are being met at all times.
Finalist - Better Business Awards – Best Residential Broker 2020 - Balpreet Singh Bal
Finalist - Better Business Awards – Best Customer Service (Office) 2020
Winner- WA Young Professional Award 2019 - Balpreet Singh Bal
Finalist- WA Customer Service Award- Individual 2019 - Balpreet Singh Bal
Balpreet Singh Bal Listed in Top 100 Brokers list by Mortgage Professional Australia 2017,2018 & 2019
Finalist- AMA Broker of the Year 2018 -Balpreet Singh Bal
Finalist - Better Business Awards – Best Residential Broker 2017 - Sharon Bal
Finalist - MPA Young Gun 2015-2016 - Sharon Bal
Finalist - MFAA Young Professional 2016 - Sharon Bal
Finalist - AMA Quality Young Gun of the year 2016
Finalist - ABA Newcomer of the year
Loan Market Awards
Winner - No. 1 Loan Market Broker WA (Receipted Settlements) 2019, 2018, 2017 - Balpreet Singh Bal
Winner - Broker of the Year WA 2019, 2018, 2017 ( NPS Customer Service) - Balpreet Singh Bal
Winner - Top Loan Market Business WA 2019, 2018, 2017, 2016- Loan Market Welshpool
Winner - No. 1 Loan Market Broker WA (Receipted Settlements) 2016 - Sharon Bal
Platinum Customer Service Award since 2016
First Home Buyers
Securing your home loan on your own can be difficult, especially if you’re negotiating directly with the bank as you may not be familiar with the terminology used by them. Our job is to take out the complexity, provide simplified facts and compare hundreds of loans to get the one that is right for you.
In a challenging, investment lending market, our role has become even more important. We keep up to date with investment lending changes. Whether you simply want to buy an investment property to rent out, or have a more complex requirement, we’ll find the solution for you.
If you are looking to lower your repayments, access existing equity or consolidate existing debts, refinancing could be the answer for you. We help people refinance their home loan, where necessary, which in turn allows them to have more net income to spend on the things they like. It’s better in your pocket than the banks’.
If you have a personal loan, credit card or home loan, debt consolidation can be a good way to take control of your debts and save money by combining all your loans into one low rate loan.
Whether you are a startup or existing business, commercial and business loan options vary. If you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, having an expert commercial finance broker is invaluable.
How I can help your clients during this time of uncertainty
In the midst of all of this uncertainty and chaos, I wanted to share that my business is covid-capable, and isolation-enabled. That is to say, it’s business-as-usual and if your clients need me, I am here.
Is March a buyer’s month? To delay or act, that is the question
I’ve read plenty over the years about the “best time to sell” for homeowners in Australia, and that got me thinking. When’s the best time for buyers? When is the market less competitive on the bidder-front? When are prices likely to be more affordable? And how much does supply of real estate stock play a part? Is there such a thing as a buyer’s month? Turns out there is. And it’s probably now.
We’re starting later, it’s costing more - is the property dream unreachable in 2020?
Once upon a time, let’s call it the 80s, the average Australian would buy their first home at the age of 24. Here we are, three decades later, and buying property doesn’t occur until we’re 35. Why is that? Is it thanks to the price of housing in our popular cities, and the militant discipline required to save a gigantic deposit? Or is it that we’ve decided to ‘live a little’ in our twenties, choosing renting and share-housing over striving to attain our first property asset? And is property still the asset class it used to be? Let’s discuss.