Covering the beach to the Hills including Glandore, Plympton, Glenelg, Glengowrie and surrounding suburbs
I have built three homes myself and I remember how reassuring it feels when the financing is right. I use my experience from more than 18 years in finance and over $300M in settled loans to make sure that you experience that feeling too. Whether you need a simple mortgage for your first home, a construction loan to build your dream home or refinancing for your property portfolio, call me to talk through your options.
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.
For those who wish to acquire investment properties, I have a thorough understanding of investment loan structures and how to maximise your tax benefits where multiple properties are involved.
For a mortgage for your first home, a construction loan or refinancing your portfolio, Phil Couch can find you a deal that suits you
Even the Government is suggesting you refinance this month, but why?
For Australians with a home loan, we’re dealing with two major factors that you should know about right now. The first factor is that banks have never been more competitive for your business, and the second factor is that those same banks, ironically, are largely failing to pass on the full rate cuts available, so you’re probably paying your current lender more than necessary in this market. What does this mean for your home loan today? Is haggling worth it?
BID is my BAU!
Not sure if it will affect you? This month the Government is knee-deep in a bill that absolutely affects your business and mine, and certainly affects our clients. Also, it’s a confusing market for borrowers. Interest rates are down and the media has been positive that by all indications, the property market is recovering, although housing stock is still light on compared to demand - particularly for springtime - which is partially responsible for driving up prices in most capital cities. How can you help them decipher it?
Are mixed messages creating uncertainty for your clients?
It’s a confusing market for borrowers. Interest rates are down and the media has been positive that by all indications, the property market is recovering. However housing stock is still light on compared to demand - particularly for springtime - which is partially responsible for driving up prices in most capital cities. Lender competition is fierce, but there’s more scrutiny than ever on borrower spending, meanwhile banks aren’t passing on rates in full.