Mortgage Broker in Wantirna, Wantirna South, Bayswater
How James can help you
Whether you’re buying your first property, or your third, James will guide you through the constant changing mortgage market. His job is to make sure you have a formal pre-approval in place so that you can comfortably purchase your new property. James will not only find you the right home loan, he’ll also navigate you through the whole application process, dealing with the lender and paperwork along the way.
Why James is the right choice
James not only keeps up-to-date with changes in lending, he’s also across changes in the local real estate market. His background in accounting and finance gives him an advantage when dealing with lenders because he knows what they need. His partnership with Ray White Wantirna opens up a strong wealth of knowledge and expertise when it comes to buying and selling in the area.
Buying your First Home
If you’re starting your journey of home ownership, you might benefit from some expert guidance. James will give you confidence to enter the competitive buying market through finding you a lender, home loan and interest rate that’s right for you.
Property Investors in Wantirna
The fundamental of smart property investment is the right loan product. If you’re starting to build your property portfolio, James can find the most suitable investment for your individual needs. If you’re an established property investor, James can work with you to make sure you’re getting the most out of your mortgage.
Refinancing your home loan
If you haven’t reviewed your home loan for a while, James can help you determine if it is time to refinance. There is more to refinancing than simply securing a lower interest rate. It is essential to look beyond the rates on offer and assess things like ongoing fees and the costs of products.
Juggling multiple debts at once can seem a nightmare, however consolidating all of your debts into your mortgage means a lower interest rate and one singular repayment per month. This can take the pressure and hassle off as you will pay less and worry less.
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.