Mortgage Broker Northern Beaches
 
 
Mortgage Solutions Northern Beaches

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North Shore Mortgage Calculator

 

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Welcome to All Mortgage Finance

Your Local Mortgage Broker 

Australian Credit Licence No. 385231

All Mortgage Finance has been operating since October, 2002 and all loan writers in the business are accredited mortgage consultants. Being a Full Member of the Mortgage Finance Association of Australia (MFAA) and the Professional Lenders Association Network of Australia (PLAN), All Mortgage Finance operates under a strict Code of Ethics and uses sophisticated software to help find a loan that is suited to your needs!

We are proud to offer you Prompt, Professional and Personable service.

 Our service costs you no more than if you had gone directly to the bank or lender. We are basically a One-Stop Mortgage Shop as we have access to OVER 25 LENDERS including the major banks. We organise to see you at a time and place that is convenient to you.  We currently service the Sydney area, the Northern Beaches of Sydney and the Central Coast, however we are happy to receive inquiries from anywhere in Australia and even overseas for non-resident loans.


Gail Baker
Director and Senior Loan Writer
Ph: 0416 141 376


 

 

We work with OVER 25 LENDERS, including:

Adelaide Bank
AMP Banking
ANZ Bank
Australian First Mortgage
BankWest
Citibank
Commonwealth Bank

Deposit Power
Heritage Building Soc

 

Homeloans Ltd
HomeSide Lending

ING Bank

La Trobe
Liberty Financial 

Macquarie Bank

ME Bank
 NAB
Newcastle Permanent Building Society

Peoples Choice CU


 

Pepper Home Loans

PLAN Lending

RESI
St George
Suncorp Metway
The Rock Building Soc
Westpac

Wide Bay Australia

 

Servicing all locations in Sydney, the Northern Beaches of Sydney or the Central Coast of NSW

Avalon
Avalon Beach
Avalon Heights

Avoca Beach
Balgowlah
Balgowlah North

Barrenjoey

Bateau Bay

Bayview

Beacon Hill

Belrose

Bensville

Berkeley Vale
Bilgola

Bilgola Beach

Bilgola Plateau

Booker Bay

Bungan Beach

Bungan Head

Careel Bay

Careel Head

Chatswood 

Chittaway Bay

Church Point

Clareville

Collaroy

Collaroy Plateau

Copacabana

Cromer

Daleys Point

Davidson

Davistown

Dee Why

Drummoyne

Elanora

Elanora Heights

Empire Bay

Erina

Erina Heights

Ettalong

Fairlight

Forestville

Forresters Beach

Frenchs Forest

Gosford

Green Point

Harbord

Ingleside

Ingleside Heights

Kariong

Killcare Heights

Kincumber

Lane Cove

Lisarow

Long Jetty

Loquat Valley

Lovett Bay

Macmasters Beach

Manly

Mardi

Matcham

McCarrs Creek

Mona Vale

Narara

Narrabeen

Neutral Bay

Newport

Newport Beach

North Avoca

North Curl Curl

North Sydney

North Narrabeen

Ourimbah

Palm Beach

Pearl Beach

Point Clare

Pretty Beach

Queenscliff

Saratoga

Seaforth

Shelley Beach

Springfield

St Huberts Island

Tascott

Terrey Hills

Terrigal

The Entrance

Toowoon Bay

Tuggerah

Tumbi Umbi

Umina Beach

Wamberal

Warriewood

Whale Beach

Woy Woy

Wyoming

Wyong


+ many more around Sydney and the Central Coast.

    5 Ways to Improve your Borrowing Capacity

    Consolidate unsecured debts (like credit card or personal loan debt) into your mortgage (as long as you have sufficient equity). By doing this, you will improve your monthly outgoings quite dramatically and therefore improve your borrowing capacity.
    Reduce your unwanted credit card limits.  Most people have limits way beyond what they use and reducing these and cancelling unwanted credit cards can really make a difference to borrowing capacity.
    Use the right lender and loan.  This is where a mortgage broker is very handy.  All lenders have different lending criteria and serviceability calculators and a mortgage broker has knowledge of which lender and even which loan can improve your borrowing capacity.The difference between lenders and loans can make or break a deal in many instances.
    Shop around to get better rates on your existing loans. Your mortgage broker knows what is possible with most lenders and can apply for special pricing for you in a lot of instances.  If your monthly repayments on existing debt are lower, your borrowing capacity will be higher with a lot of lenders.
    Keep your financials up to date. By getting your tax returns done on time (if you are self-employed), then you will have a better opportunity to borrow when you are ready to buy. If you are PAYG, then have your latest Payment Summary as well as the latest 2 payslips ready as this more accurately shows your annual income.


    If you would like more information or have any questions about all this, please don't hesitate to contact me via the box below.                                                                                                                       

     



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