Your Mortgage Broker in St Albans, Deer Park, Caroline Springs, Sunshine, Taylors Lakes, Derrimut, Sunshine North, Sunshine West, Cairnlea, Ardeer, Werribee, Wyndham, Hoppers Crossing, Point Cook, Little River, Tarneit, Truganina, Belbridge
My service is No Obligation, No Charge to you. We are paid a commission by the lender when the mortgage is settled. This commission is not added into your loan. With many years of experience in the finance industry as a mortgage broker, I have built a reputation with clients, lenders and referral partners as a provider of quality service. My top mission has been and always be: to find the right home loan to suit your needs and goals.
With access to a wide panel of major banks and lenders you can trust that I truly understand the finance and real estate market.
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.
Low-doc applicants who are now considered risky because of the simple fact that the banks are unable to see their full financial circumstances...Please speak to us to find out which of the lenders will qualify you based on your individual situation, and which lender will provide you a solution most tailored to your individual circumstances
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.
The race to the bottom; banks start zealously cutting rates
In the midst of a terrifying and rough summer for much of Australia, it’s odd to reflect on the season that has been for real estate. It’s been a while since the temperature of the housing and home loan market has been so pleasant. Record low rates, looser credit criteria, lender competition, government incentives, much more market activity and property price growth have been coinciding of late. The sentiment has changed and it can be seen in renewed investor and owner-occupier activity, banks proudly shouting about new low rates, and first-timers getting a gift from the government.
Is your cash making you poorer?
You know the phrase, “asset rich, cash poor”? It’s never been uttered in a more provocative environment. Even if you’re generally flush with cash, cash as an investment type is hamstrung these days by the central bank cash rate, meaning you’re poorer than you need to be. Let me say it straight. Cash, right now, is kinda useless as an investment. Rates are about as low as they can go (or are they?) so any cash investments still held are no longer helping your cause. That’s presuming the cause is wealth creation. Cash investments are simply not delivering the returns and the low risk profile that have made them popular for so long.