Your Mortgage Broker in Brighton, Warradale, Flagstaff Hill and surrounding areas
I have over 35 years experience in residential, commercial and business finance, combined with access to over 30 financiers (including all major banks). The combination of my years experience and a wide range of lenders, means I am uniquely placed to arrange the finance that meets my clients’ individual requirements.
Buying your home can be an exciting yet overwhelming experience, not to mention a big financial commitment.
First Home Buyers
First of all, congratulations! If you are like most first home buyers you are excited about getting your foot in the door of your own home. You may also be a little uncertain of how the lending process works and don’t want to make the wrong decision. If so, you have arrived at the right place.
Refinancing your current home loan is a good idea if you want to lower your monthly repayments, access existing equity in your home loan or to consolidate debt.
A good investment loan can make property investment a much smoother process. Investment loans vary depending on what you are looking to achieve, and can be either very simple (like your standard home loan), or something more complex that helps you to make effective use of tax, gearing and repayments.
Many Australians enjoy the freedom of working for themselves, but being self-employed means time is of the essence, and getting finance whether it be for a home or your business isn’t always easy. That is where I can help.
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.