Mortgage Broker in Ferntree Gully, Mitcham, Mt Evelyn, Croydon and surrounding suburbs
My role as a mortgage broker is to take the stress out of finding the right home loan and help my clients to understand the home loan process. As I work closely with real estate agents, I understand the pressures involved with buying and selling property, and have the finance knowledge and experience to guide you through from beginning to end.
In addition I can provide you with insightful data on any properties you are interested in to help ensure you purchase the right property at the right price. We will also look at your long term goals so that the right structure is set up with these goals in mind and for future wealth creation.
Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms.
As a property investor myself, I understand how important it is to have not only the right loan, but more importantly the right structure, to suit your situation and ensure you have a fantastic end result from your investment.
Many Australians enjoy the freedom of working for themselves, but being self-employed means time is of the essence, not to mention the challenge of keeping up with the paperwork of running your own business.
Could a rate cut in October coincide with a turn in the market?
Historically, one of the best barometers for the health of the property market is auction data… So, I asked my colleagues at Australia’s largest real estate company - Ray White - to share their nationwide auction stats looking back at the year that has been. They collect this data every weekend, and over thousands of auction events they measure the clearance rate, number of active bidders, number of onlookers, and a variety of other useful metrics. So what do these findings tell us about where we are in the property cycle?
When is cheaper not necessarily better?
With all the hype around record low interest rates it's easy to get tunnel vision and focus only on the lowest number when choosing a home loan provider, however finding the right loan is about much more than just the best rate. When assessing possible options for home loans, borrowers frequently assume the ones with the lowest possible rates to be the best without being mindful of other considerations such as fees and charges or loan features.
Shares, cash, real estate and record low interest rates.
We’ve not seen interest rates at this level since the 1950s, so what are the opportunities and pitfalls that come with a cash rate at one percent for everyday investors? Low interest rates represent benefits in some investment categories, and hurdles in others. So how do you make low rates work for you? Understanding what avenues are available to invest in, in today’s environment is a topic I constantly discuss with clients and finance industry peers.