Mortgage broker servicing Noosa, Peregian, Coolum, down to Maroochydore and surrounding suburbs
I have access to home loans from over 30 banks and lenders. Whether you’re investing, buying a home or looking for a new mortgage deal I’m here to help. From initial appointment through to settlement of your loan and beyond, I will be with you throughout the entire process. I work for you, not the bank and will do everything to obtain the most competitive and practical loan for your circumstances.
Finding the right car loan can be a daunting experience. Whether you are looking for a new or used car for personal or business use, I will work on attaining a great solution for your requirements. Having your finance organised prior to shopping for your car can make an enormous difference as you will have more bargaining power to save money. From Low Doc car loans to a poor credit rating, I can assist with the many lenders that we deal with on our panel.
Business Asset Finance
Business asset finance has expanded greatly in recent years with many lenders offering a range of various products for different situations including aviation, heavy haulage vehicles, cranes, concrete trucks and pumps, commercial kitchen and shop fit-outs to name a few. Access to these lenders will offer a vast array of options for any business asset purchase.
A personal loan can be a quick and effortless way to obtain finance for general purposes such as: boats, caravans, camper trailers, debt consolidation, home renovations, holidays, weddings or home improvements. A personal loan can be secured or unsecured depending on the circumstances of the purchase.
Careful consideration needs to be taken when refinancing. The result or goal is to have you in a better financial position if leaving one lender for another. Working out the sums to show you potential savings over the costs to move is all part of my service. Reasons for refinancing: Access equity for an investment property Access equity to carry out renovations on your existing property Take advantage of a lender special for a lower interest rate It’s my job to make it simple to understand your options so you know you are refinancing for the right reasons.
Lending to self-employed clients can be more complex however there are often many options available. Individual circumstances vary greatly. Planning is key and working with your accountant early to overcome any future possible obstacles to your lending requirements is paramount to a successful outcome.
Could your investment loan get you a better return? Most investors will look at rental income to gauge their yield for their return. Alternatively, looking at an interest rate reduction on the loan will also improve the return you receive. Savvy investors will review their lender product and rate at least annually to gauge if there are smarter alternatives. It's my job to investigate what is on offer and present those alternatives for a positive outcome.
This is in your interest
A certain “set and forget” mentality slips in with mortgages. Money leaves your account to nibble on your mortgage. Meanwhile, you get on with other things. But here’s the question — if you have an interest only mortgage (IO) when does it switch to principal and interest (P&I)?
The challenges facing residential prices
After five years of stunning price growth, Australian residential property prices have just fallen for the eleventh month in a row according to a recent report from Core Logic.
Royal Commission revelations: who do I work for?
Last Friday, Commissioner Kenneth Hayne released his interim report into the Banking and Finance industry which, at this stage, raises more questions than answers. The final report is due out in February, 2019 however with all the media commentary over the weekend, I thought I’d take the opportunity to highlight a few things that as your broker, I am particularly proud of in the wake of all this turmoil.