Your local mortgage broker in Warrnambool, Dennington, Allansford, Port Fairy, Timboon, Hamilton, Koroit and Portland.
I was inspired to begin a property finance career in 2014 after a terrible experience with a big bank resulted in me being locked into the wrong loan type - an error that is still costing me today.
Community relationships and knowing and understanding customers are the foundations of my approach which has seen me win the National Award for Regional Customer Service of the Year at both the 2018 and 2019 Australian Broker Awards. I have also maintained a 10 out of 10 NPS Customer Experience Score for three consecutive years.
My goal is to help take the stress out of purchasing a home by providing - from a panel of over 45 lenders - specialised yet convenient solutions, tailored to both individual customer needs and the greater Warrnambool property market.
My specialty in home loans and property finance means I have access to over 45 lenders and hold deep understanding of which policies are most suited to your individual needs. It also means I can provide answers quickly rather than my clients having to wait.
First home buyers
Buying your first home can be a daunting experience, however also one of the most exciting steps you will take in your life. Helping customers navigate this process, secure a suitable loan and take advantage of any available stamp duty benefits is one of the most satisfying aspects of my role.
Investment Property Finance
Property investment finance must not only account for the right loan product but for the investor’s short and long term life plans and investment strategy, other investments and risk appetite.
If you’re wondering if your current home loan is competitive, I can quickly advise you on any potential savings that may be achieved by refinancing.
If you have money owing on a credit card, car loan or other high interest loan then it is often better to refinance this debt into your home loan, significantly reducing the interest you pay.
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.