Mortgage broker in Lower North Shore
Matt Clayton is a dedicated and experienced Loan Market Mortgage Broker serving Mosman, Neutral Bay, Cremorne, Cammeray, Kirribilli, Milsons Point, Lavender Bay, Crows Nest, Greenwich, Wollstonecraft, Waverton, North Sydney and McMahons Point as well as surrounding suburbs.
Having navigated clients through economic ups and downs, including the GFC, Matt has managed pivotal changes in the industry and dealt with all types of client scenarios throughout his career as a finance broker.
Matt has had the opportunity to help change clients’ lives for the better, whether it is guiding first homeowners through the transaction, refinancing existing clients or helping upsizers or downsizes purchase their dream home, Matt's commitment to the process and dedication to his clients remain as his main focus. Matt provides mortgage options to all ends of the market.
Finance broking is not only about securing the right interest rate. It is about delivering a tailored strategy to create a stable future and optimise financial outcomes. At Loan Market Lower North Shore, Matt Clayton and his team are proud to deliver a premium mortgage broking service to the Lower North Shore.
Whether it is a mortgage adviser, lending or loan consultant that you are searching for, Matt Clayton and his team are available to discuss your options when it comes to financing.
Our finance strategy service is included in all our finance offerings and is not paid for by the client. It includes advice around tax effective lending, debt rebalancing and debt reduction.
We offer both investor and owner occupier loans from 30-plus lenders, structuring them to match the individual while leveraging any applicable tax or stamp duty scenarios.
Whether it’s a personal car loan or business asset finance for equipment, office fitouts, heavy machinery or otherwise, our network and experience will ensure the right outcome for your situation.
Commercial property finance
Commercial property finance is often a complex process which draws upon our extensive experience to ensure structurally sound, long term advice.
Whether you’re a franchise or independent business owner looking to expand your existing business, or one looking for startup funding, our network and knowledge in both finance and business will help ensure your business booms.
Financial planning and insurance
Through our partnerships with financial planning, accountancy and insurance firms, we are able to proactively provide clients with tailored advice and solutions specific to their situation.
Expat lending experts
Having started a specialist expat lending firm in 2007, me and my team are experts in expat finance. We understand your unique buying and tax position, the rules around multi-currency loans and how they apply to different markets.
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.