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.
National real estate snapshot
Australia's housing market has been running at full pelt since 2012 and is now taking a breather. Spectacular growth can be interesting with some sale prices below purchase prices.
The RBA minutes are published two weeks after each meeting and, while they’re probably not recommended as fascinating holiday reading, they do provide great insight into the rationale of decisions and how the RBA board sees the economic future of Australia.
Brokers are in demand when it comes to home loans.
More and more Australians are choosing brokers when it comes to getting a home loan. Recent numbers sourced by Mortgage and Finance Association of Australia (MFAA) have shown that broker demand is on the rise.