Your Mortgage Broker in
Melbourne, Melbourne CBD and all surrounding suburbs
As your mortgage broker, my role is to ensure home buyers secure the best home loan product for your first or next property purchase, or re-structuring your current portfolio to be more in line with up to date products and assist you with your tax minimisation strategies. Whether it’s your home or an investment loan, we guide our borrowers by helping them define their short and long-term financial goals and provide the most suitable home loan options available.
Ultimately, it’s the clients decision about which financial product to go with – but we are here to remove the confusion and get the process sorted!
Many borrowers we have had the pleasure of arranging home loans for have come from a diverse range of professions or are self employed. They range from banking executives, CEOs or Managing Directors of large corporations, even prominent members of the performing arts, to first home buyers and ‘mums and dads’.
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.
Many self-employed borrowers often find themselves in need of a home loan that isn’t quite standard, mostly because they don’t have the full financial history required to get a regular home loan.
Living Expenses – Tightening Credit Criteria (cont)…
Over the past six months or so, borrowers’ living expenses on loan applications have been under the spotlight, with mortgage brokers seemingly scrutinising further and further, in accordance with lender requirements
Tightening Qualifying Criteria – Borrowers Beware…
With the introduction of the responsible lending framework set down by ASIC and APRA post the Royal Commission, we have seen a rise in frustration from borrowers due to the increased information being requested from lenders and the longer turn-around times of the required verification procedures
Fixed Rates - Break Costs Explained.....
Imagine you have just refinanced your home loan and made the decision to hedge your bets by fixing this new loan for 5 years as the fixed rate offer seemed pretty good at the time and all market indications pointed to rates not getting any cheaper according to expert opinions. You split your home loan as follows; $400k fixed for 5 yrs at 4.59% and $60k variable at 4.69% (the current rate at the time)