My time with the bank exposed me to all aspects of personal and small business banking but the solutions I could offer my clients were limited and I knew there had to be a better way.

I became an independent finance broker in 2017, and with access to 60+ lenders and hundreds of home loan, business loan, personal loan and even car loan products I’ve been able to successfully help hundreds of borrowers to successfully purchase property and vehicles of all shapes and sizes.

These days I spread my time between my hometown of Cairns and our head office in Brisbane and while every borrower is unique in their own right, I’m pretty sure I’ve assisted with loan approvals for every possible scenario from first home buyers to experienced investors to self-employed borrowers to farm and sea-changers.

Refinancing – save money and time off your home loan

If it’s been some time since you reviewed your finance, you could be losing thousands of dollars over the life of the loan. Loan products change over time and advertised interest rates can always be negotiated, you just need to know how. Home loans are not meant to be set and forget and that’s why I provide regular home loan reviews for my clients as standard:

Where possible I will 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 deal, I can review your loan package to see if any further savings can be negotiated. You might be surprised.

Compare hundreds of loans in just one consultation

I have access to hundreds of loans from over 60 banks and non-bank lenders and can show you:

• How much you can borrow from a range of lenders
• Pros & cons for a range of loan options & features
• Associated loan costs
• Deposit requirements & options
• Repayment options

Investing in property?

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. If you already have property I can show you how to use your equity to your financial advantage.

Buying your first home?

Buying your first home is possibly one of the biggest financial decisions you can make. It should also be an exciting time. 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 and I take pride in taking the ‘hassle’ out of the process.

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

Top Three Tips for Getting a Better Home Loan Deal

ONE: Know how much you can spend before you buy
Your borrowing power actually varies from one lender to another, and could add up to tens of thousands of dollars in difference. Knowing your borrowing capacity before you purchase provides you with a clear spending limit and allows you to narrow your property search and save time.

TWO: Don’t focus on the interest rate
Selecting a lender or loan based on advertised rates alone could end up costing you more in the long run. It’s critical to make sure your loan structure, features, terms and conditions and interest rate work together to create the complete package. Additionally, in most cases your finance broker will be able to negotiate a discount off the standard advertised rate anyway.

THREE: Know which bank wants your business
Different lenders have different target markets. A professional finance broker will be able to provide you with a thorough overview of the marketplace and which lenders are going to provide the best value and most appropriate home loan deal for your situation.

BONUS: Free property valuation & profile

Want to know what your house is worth? I can provide you with a free report detailing the estimated value of your property. This is a great resource if you are considering accessing equity for further property purchases, renovating or even looking at your options to sell. Give me a call if you’d like your own personalised property report.