Terri Johnson is a professional home loan and investment loan specialist who offers experience and knowledge gained from a career spanning almost three decades in banking and finance.
Terri Johnson, Mortgage Broker
Mobile: 0432 245 133
Email: Click Here
My extensive career history in personal banking and branch management for one of Australia’s largest banks has exposed me to all aspects of personal and small business banking and lending.
Over the years I have helped hundreds of local families, couples and savvy individuals to successfully purchase property of all shapes and sizes.
In 2017 I left the bank, after 25 years of service, to build my own mortgage broking business from the ground up. Hundreds of happy clients and home loan approvals later (not to mention a couple of industry awards), and I haven’t looked back!
My experience in all aspects of residential lending includes everything from helping local families to secure their very first homes to more detailed loan structuring for experienced investors.
A great home loan deal for every situation
Whether you are a first homebuyer, an experienced investor or simply looking at your options around renovation or upgrade I have the lending knowledge and experience to assist you find a great home loan deal.
In just one consultation I can show you your borrowing options from over 20 banks and secure lenders giving you the confidence you need to move forward with your decision. You’ll know exactly how much can borrow, your loan terms, associated costs and repayment options.
How much can you really borrow?
There is no doubt ‘How much can I borrow?’ is the most commonly asked yet misunderstood concept when it comes to securing home or investment finance. Most people have some sort of understanding as to how much they can borrow based on online calculators but the fact is, not all banks and lenders lend the same. Your borrowing power actually varies from one lender to another and this can add up to hundreds of thousands of dollars.
Whilst the amount of money you can borrow is largely dependent on your personal circumstances and includes things like loan to value ratio, income and types of income (ie. casual or full-time), existing loans, credit card limits, number of dependents, rental income and more, it also comes down to your chosen lender’s lending policy and, in many cases, how much they want the business.
This is just one reason why it pays to consult a professional mortgage broker who knows bank policy from a range of lenders and can give you the insider’s scoop on which lender will provide the most favourable interest rate and loan terms for your situation.
A local on your side
Some banks deem regional areas ‘restricted postcodes’ and this changes quite regularly. As a member of the community, living and working in Rockhampton, I pride myself on knowing exactly which banks or lenders are receptive to lending in the area, both in town and surrounding areas.
I can also provide you with recommendations for other quality professional services that may assist you on your path such as Accountants, Solicitors and Financial Planners.
Home loans for self-employed
There is a common misconception that if you are self-employed obtaining a home loan is difficult. It can be harder, but it isn’t always. In today’s modern workplace the fact is more and more people are self-employed and most lenders have adjusted their policy to suit demand it’s just a matter of knowing which lender’s policy will best cater to your situation.
Research is critical here as you might just be surprised as to what is available to you. I have proven experience in sourcing home finance for the self-employed and can show you a range of competitive loan options.
Borrowing to invest in property
My in-depth knowledge of property investment and negative gearing is highly sought after. I can show you how to use your existing property equity to your financial advantage.
Whether you are a first time investor or already hold a large property portfolio I can show you how to structure your investment loan/s in a way that helps to maximise your returns.
- Best Regional Broker – Better Business Awards 2019 (Winner), 2020 (Finalist)
- Best New Mortgage Broker – Loan Market (2018)
Professional Qualifications & Memberships
- Diploma of Finance & Mortgage Broking Management (Dip. FMBM)
- Certificate IV in Financial Services (Finance & Mortgage Broking)
- Member Mortgage & Finance Association of Australia (MFAA)
If you’ve got a finance question that needs answering or would like to book a FREE Finance Assessment let’s talk! Phone me on 0432 245 133 or fill out the form below and I’ll be in touch at a time convenient to you.
Book a consultation with Terri today: