As an ex-banker, I have extensive experience in all aspects of personal and small business banking and lending. Over the years I have helped all types of borrowers – first homebuyers, investors, families, individuals and businesses – to successfully purchase property of all shapes and sizes.

Review hundreds of loans in one complementary consultation

I can help you understand the pros and cons of hundreds of loans from over 60 banks and secure lenders. One consultation is all it takes to find out:

• How much you can borrow from a range of lenders
• The benefits and suitability of loan options & features
• Associated loan costs
• Deposit requirements & options
• Repayment options

I’ll guide you through the loan application process, from signing of contract to settlement and even beyond.

Investment loans for Brisbane property investors

Whether you are a first-time or seasoned property investor, the correct structuring of your investment loan/s will impact property returns. It literally pays to get it right!

Investment loan options are no longer as limited as they once were. Loan products and features available to investors, depending on your personal situation, may include:

• Options for salaried and self-employed borrowers
• Ability to borrow up to 95% of the purchase price
• Unlimited additional loan repayments
• No redraw fees
• 100% offset
• Variable or Fixed loan options
• Principal and Interest or Interest Only loan options
• Loan terms up to 30 years

If you already have property, I can show you how to use your equity to start or expand your investment property portfolio.

Is refinancing the way to save money?

If the cost of living has you shaking your head, your home loan may just be a way to find extra dollars in your weekly budget, especially if it’s been some time since you reviewed your current mortgage.

There’s still plenty of competition between banks and lenders to win new customers and that puts us in a good position to negotiate a better finance deal. In just one consultation I can show you how to:

• Save time or money off your home loan
• Reduce your repayments
• Access equity for investment or renovation
• Consolidate multiple loans
• Change your mortgage type ie. variable to fixed

Even if you think you’ve already found a good home loan deal, I can review your loan package, including interest rate, to see if any further savings can be negotiated.

Help for first home buyers

Buying your first home is a big financial commitment and can be an exciting life milestone. Keeping it as stress-free as possible is my aim. My job is, not just to help you find savings on your home loan, but also to guide you through the process. I’m here to answer all your questions every step of the way.

I will also:

• Help you apply for grants and take advantage of eligible first home buyer benefits
• Help you complete your loan paperwork & negotiate with the bank on your behalf
• Provide detailed property reports to help you with your search

BONUS: Free property valuation & profile

Ask me about your free report detailing the estimated value of your existing property or the home you are looking to buy. This is a great resource if you are considering accessing equity for further property purchases, renovating or even looking at your options to sell. Reach out if you’d like your own personalised property report.

Reverse mortgage solutions for homeowners aged 60+ years

If you are aged 60 years or over, own (or almost own) your home and are looking at ways to supplement your retirement income, renovate or even holiday, a reverse mortgage could be the solution.

To be eligible for a reverse mortgage in Australia, there are several key criteria that lenders typically require, including:

1. Age Requirement

• The minimum age for the primary borrower is usually 60 years or older.

• If there are two borrowers (e.g. a couple), both must typically meet the age requirement or the younger person’s age may affect how much can be borrowed.

2. Property Ownership

• You must own your home outright or have a small existing mortgage that can be paid out with the reverse mortgage funds.

• The property usually needs to be your principal place of residence.

3. Property Type and Location

• The property must meet the lender’s criteria regarding type, location, and condition.

  • Most lenders prefer freestanding houses in major metropolitan or regional centres.

  • Apartments, retirement village units, or rural properties may have restrictions or be ineligible.

4. Loan Amount (Based on Age & Property Value)

• The amount you can borrow is based on your age and the value of your property.

  • Older borrowers can typically access a higher percentage of their home’s value.

  • For example, a 60-year-old might access around 15–20% of the home’s value, whereas someone aged 80+ might access 35% or more.

And while it is technically not always a lender requirement, I strongly recommend my clients seek independent legal advice (ie. solicitor), and sometimes financial advice (ie. accountant), before finalising the loan.

My role as your finance broker is to help you weigh up the pros and cons of a reverse mortgage based on your personal situation and future goals. I want my clients to make a fully informed decision and  that includes understanding the loan process, the loan costs and even how a reverse mortgage could impact your pension entitlements or estate plans.

If you’re ready to explore how a reverse mortgage could support your retirement goals, I’m here to help.

Professional Qualifications & Memberships

• Certificate IV in Finance & Mortgage Broking (2024)
• Certificate III in Financial Services (2021)
• Certificate IV in Property Services REIQ (2016)
• Member Mortgage & Finance Association of Australia (MFAA)

For a detailed overview of borrowing options for your business, investment opportunity, new home or to help fund your retirement goals, contact me today.