Mortgage Broker Northern Beaches
 
 
Mortgage Solutions Northern Beaches

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Home / Investment Loans - Refinance & Debt Consolidation - Bridging Finance - Personal Loans - Car / Boat Loans - Commercial Loans - Plant & Equipment Finance - Debtor Finance 

 

Why Choose Us?

Top 7 Reasons to use All Mortgage Finance:

You are considering the purchase of an investment property, you have worked out what you want to spend, the type of property that you want and where it should be located; now all you need to do is find the right loan to suit the occasion. As we will see that may not be as easy as you might think, there are a number of considerations to be made, a variety of products and options to consider, and most importantly structuring your total financing arrangements so as to maximise your financial situation.

  • We come to you at a convenient time.
  • We have access to all of the major banks and OVER 25 lenders!
  • We are trained professionals.
  • We are kept up-to-date with the latest industry news and info.
  • We belong to these industry associations: Plan Aust. and MFAA.
  • We start to get your loan approved as soon as we understand your requirements.
  • We have a comprehensive post settlement ongoing service program.

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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