Mortgage Broking Services

Transcription

1 Mortgage Broking Services

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3 Buying property is not just about the dollars and cents, it is often a very emotional and exciting experience. There is no reason why your mortgage experience should be any different. Choosing the right mortgage is often one of the most significant long term decisions we undertake in our lives. Smart mortgage decisions can have a substantial impact to your financial health in the long run Page 3

4 For such an important decision, you must do your homework covering at least : Affordability Assessment (what can you realistically afford?) Rate Options (fixed versus variable) Ownership Structures (your name, partners name, guarantors, equity options) Page

5 Essential Loan Features (do you really need an offset facility) Contingency Planning (what if my circumstances change, inheritance, baby, divorce) Problem is, this homework can be tough, and finding accurate helpful advice with your best interests at heart can be difficult to attain. Stanford Brown Mortgage Broking is your solution Page 5

6 Why Choose Stanford Brown Mortgage Broking? There are two key reasons; we make the complicated simple and we get great results. Uniquely, our brokers are also qualified financial advisers, meaning they not only look at your scenario from a mortgage product selection perspective, they take into careful consideration how your debt strategy will impact your long term financial strategy. We have access to a large panel of lenders meaning we represent you, not the bank. Our dedicated lending division work hand in hand with professional investment and insurance advisers to build you a complete financial plan. With over 30 staff, we are large enough to provide a truly comprehensive offering but also small enough to give oneon-one tailored personalised service. We believe that information is power, unfortunately there is a lot of information available on the right loan and frankly not all of it is true, accurate or helpful. We see ourselves as borrowing educators to help save you time, and put you in the best position to make informed decisions on your lending needs and options. We are driven by results yours, not ours. We exist to get you results that you couldn t have otherwise achieved on your own without spending a lot of time and money researching and negotiating. Page

7 Our Commitment To listen to you, challenge you, and develop a precise understanding of your situation and what you are seeking. To use our size to negotiate on your behalf the best possible lending solution to meet your unique personal financial situation. To help guide you through the property acquisition maze. To communicate clearly, free of jargon. To give you space and time to review your options. You can walk away from us at any time. To not forget you once a transaction is complete. We are there for the long haul, from conceptual talks about budgeting and getting into the property market, all the way through to putting the keys in the front door and beyond. We know your personal situation will change over time, and we will be a reference point for what s happening in the lending market, and assisting you with your next move or lending query Page 7

8 Fresh Start First Home Buyer Mortgage Refresh Refinancing Existing Loans Affordability Assessment We look at your budget and finances and help you to determine a repayment schedule that works for you. Process Training Property acquisition and mortgage application may appear daunting and confusing. We run through all the phases so you have comfort in who does what and when. Government Assistance - We can advise you on first home owner grant eligibility. Parental Assistance You may be seeking the financial assistance of parents either through the equity of their home or help with a deposit. We can advise you and your parents on key options to take into consideration. Preparation Guidance You may not be seeking a property immediately, but just need some guidance on deposit levels and preparation options. We can run through multiple strategies including what you can do now to improve your credit rating Fresh Start Mortgage Report You will be provided with a mortgage comparison and recommendation report outlining all costs and repayment projections. Current Loan Examination Suited to individuals / couples who are not happy with their current mortgage / lender, or just shopping the market to see if there is a better deal. We run a detailed health check on your current debt structure. Mortgage Refresh Report You will be provided with a mortgage comparison and recommendation report outlining all refinance costs and repayment projections. This will essentially provide you with clear information to allow a decision to be made. Property Valuation Assistance We have access to professional valuation software providing you with personalised property reports. This gives you an increased understanding on the levels of equity in your property. Implementation Service We liaise with your current lender and proposed lender from start to finish streamlining all the administration and minimising the level of paperwork on your behalf. Property Valuation Assistance We have access to professional valuation software providing you with personalised property reports. This gives you increased negotiation power when it comes to dealing with real estate agents. Page

9 Portfolio Builder For the Property Investor Retirement Builder Buying Property Inside Super Strategy Planning Your lending needs are more complicated than a home buyer hence your strategy and analysis needs to be matched to your lending requirements. In this phase we look at your overall strategy, taking into account a long term view. Positive vs Negative Gearing Analysis We assist you by modelling the impact of alternate options regarding yield levels leading to positive or negative gearing set-ups. Existing equity analysis By pre booking valuations we are able to establish a Lending Plan that allows you to maximise the equity in your current property and get you buying your next property sooner. Group Purchasing We help you weigh up the pros and cons of buying with friends and family. Strategy Planning Cost analysis of setting up a Self Managed Superannuation Fund (SMSF) with the correct structure for direct property investment. We can show you how property can be used to diversify your overall investment portfolio. Tax Effectiveness We can show you how to avoid paying Capital Gains Tax (CGT) in retirement. Implementation We guide you through the whole process from initial discussion right through to selecting the right property manager. Monitoring We monitor the performance of your property and align it with your overall investment strategy with your financial adviser. Portfolio Builder Mortgage Report You will be provided with a mortgage comparison and recommendation report outlining a detailed solution for your property investment needs Page 9

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11 Disclaimer Any advice contained in this document is general advice only and does not take into consideration the reader s personal circumstances. Any reference to the reader s actual circumstances is coincidental. To avoid making a decision not appropriate to you, the content should not be relied upon or act as a substitute for receiving financial advice suitable to your circumstances. When considering a financial product please consider the Product Disclosure Statement. Stanford Brown is a Member Firm and Corporate Authorised Representative of Genesys Wealth Advisers Ltd. Genesys and its representatives receive fees and brokerage from the provision of financial advice or placement of financial products. Genesys Wealth Advisers Limited ABN AFSL No Stanford Brown 2014 Page 11

12 Level 8, 15 Blue Street, North Sydney NSW 2060 PO Box 1173, North Sydney NSW 2059 Telephone + 61 (0) Fax + 61 (0) Stanford Brown is a Member Firm and Corporate Authorised Representative of Genesys Wealth Advisers Ltd ABN AFSL No Page