Mortgage broker in Daw Park in South Australia
I am the owner operator of Loan Market Daw Park in South Australia and I’m experienced in all aspects of lending, from investment loans, first home buyers and couples purchasing a family home. I also have access to a full suite of car and personal loans and asset finance.
My specialized area of lending is definitely the residential housing or the residential investment market of which I have 20 years’ experience. I have experience working with all types of clients including self-employed clients and have the ability to read financials which is an advantage for my clients as not all brokers possess this skill.
I have dealt with different types of lending, and for me, I love the harder lending cases as they are more challenging and rewarding. I also have my real estate licence and have owned a Ray White Franchise for 8 years of which I have now sold. This gives me an edge regarding valuations and how to work out what a property is worth when putting in an offer.
Home loan deposits
Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you’re purchasing, before they will approve you for a home loan.
First home buyers in Daw Park
Buying your first home is an exciting experience, but there is a lot to think about. I make the home loan application process as smooth and easy as possible, so you can concentrate on finding the right home.
Property investment loans in Daw Park
Property investment can be a smart wealth creation strategy, if you get it right. And that doesn't just mean finding the right property - you need the right investment finance as well.
Home loan pre-approval
Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place
Refinancing your mortgage is something that takes careful consideration. The most important thing to look at is if refinancing will place you in a better position than you would be if you stuck with your current loan.
Debt consolidation in Daw Park
Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards and personal loans.
Low Doc Loans for self-employed borrowers in Daw Park
Low documentation loans or Low doc loans are much harder to access than they used to be due to tighter lending criteria and because self-employed borrowers don't have the full financial history required to get a regular loan.
Upgraders / new property buyers - bridging loans
Financing the move from one property to another can be quite stressful, especially if you are yet to sell your home - a bridging loan can help free up the funds that are tied up in your current property to purchase the next one.
Negative gearing, capital gains and a possible Labor victory
With the recent leadership spill - many questions have been raised. What does it mean for Australians and the housing market? Two things come to mind…
Rates are rising, but who will join the party?
Westpac has broken the rate rise stalemate between the Big4 when it decided to raise home loan interest rates. With the official cash rate staying put by the Reserve Bank of Australia (RBA) and 3 of the Big4 now with a rate rise in play, who else will play copy cat and hike up their rates too?
Bank or broker? Who should help you with your loan.
While there’s a lot to know when it comes to getting competitive, hassle-free advice on a loan, the question remains do you go with your bank or a mortgage broker?