What I offer

As your financial advisor or broker, it’s my job to know the options, explain them all and help steer you right.

If you need to borrow money for your home purchase, chances are you have to borrow from a bank. There are a wide array of options, rates, limits, and decisions between banks that can end up costing you more. It can be very time-consuming, complicated and stressful to compare your options with all lenders.

If you don’t plan to live in the home you buy, you need an investment property mortgage, but the risks are higher than buying a property to live in, which means different requirements, terms, and costs for investment property owners.

Having good financial advice, which supports your plans for the future, makes sense for investment property borrowing. Together we can explore options like using the equity in your own home to secure an investment property.

Buying your first home? Trying to find your next rental property? In the current overheated housing market, it’s difficult to get your offer accepted and secure your property. Get ahead with pre-approval.

A pre-approved home loan gives you an idea of your potential buying power and approximate price range, so you can house hunt, or plan your build, with confidence.

I’ve helped countless people finance and build the home of their dreams. Lenders have a range of needs for financing construction loans, but this is all achievable and manageable with good financial planning and advice.

A commercial loan is a debt-based funding arrangement between a business and a financial institution (such as a bank). It is typically used to fund major capital expenditures and/or cover operational costs that the company may otherwise be unable to afford.

• A commercial loan is done between a bank and a business, used to fund operating costs and capital expenditures.

• Many commercial loans require collateral, such as property or equipment.

• Companies generally have to provide financial statements to prove their ability to repay.

• Although most commercial loans are short-term, they can be “rolled” or renewed to extend the life of the loan.

Refinancing is basically transferring your home loan from one bank to another. It can sometimes be referred to as refixing or restructuring, but the three are very different things.

1. Refixing is the process of locking in a new interest rate for a certain period of time once your current term is up.

2. Restructuring is reviewing how your existing loan works. For example, is it floating or fixed? Or could you pay it off more quickly?

3. Refinancing is when you switch your home loan to another bank entirely.

There are several reasons you might want to look into refinancing your home loan, including:

• locking in a more competitive interest rate

• taking advantage of another bank’s products or services

• reviewing your loan’s structure

• or being able to borrow a larger amount.

Debt Consolidation

If you have multiple high-interest loan payments (like finance, credit cards or personal loans), consolidation may be a way to simplify or lower payments. Debt consolidation means that your various debts are rolled into one new monthly payment.

Did you know you can use the equity in your current home to lower your monthly payments? With a top-up of your mortgage, you are borrowing against the equity in your home. This top-up is then used to pay off existing creditors in full.

Bad Credit?

There isn’t a lending situation I haven’t encountered before, and I can find solutions for most. Had lending declined? Credit score not quite up to scratch? It's still possible to meet your money needs.

• Let's explore your money personality together.

• Let's plan and set goals to get through it, together.