Perth, Osbourne Park home finance broker

Alyson Irwin

  • Mobile: cell 0401 405 465
  • Phone: work 0401 405 465
  • Fax: fax 08 6210 5909
  • Business Address: work 101 Frobisher Street Osborne Park, WA 6017 Australia
  • Business Name: The House of Brokers Pty Ltd
  • Trading As: The House of Brokers

Alyson Irwin

Mortgage Broker Perth, Osborne Park, Dianella

I have a full team of brokers located in professional offices in the heart of Osborne Park, just 10 minutes north of the Perth CBD. My team and I are happy to see clients in our offices or make appointments to visit Perth clients at your home or offices at a time convenient for you.

I am passionate about service. I try to take the headaches out of the whole process and make it as clear and simple as possible for everyone that I deal with. I strongly believe that listening to a client and asking questions is crucial to ensuring they get the most appropriate home finance. A lot of the time people come to us thinking that they know what they want; a friend or family member has told them about a terrific product that works for them. When we listen to their specific situation and ask a few key questions, we can more often than not end up recommending a different home loan product that will suit their situation better.

I pride myself on ensuring that my clients are in a position to make an informed decision. I go to great lengths to make sure that my clients are aware of the full range of home finance options open to them and the pros and cons of each option. It is only with this knowledge that we can together select the best product from the more than 800 offered by our 40 plus lenders, assisted by state-of-the art software.

Finance Solutions for Every Situation

Our team works with a broad range of clients including Investors, First Home Buyers, Owner Occupier, Self Employed and more. We have a specialist who works with car loans, personal loans, plant and equipment finance as well as the full range of chattel mortgages and leases. We also work with:

  • Investors
  • Self employed - with or without tax returns or financials
  • Those looking to correctly structure or restructure their finances
  • Debt consolidation
  • Refinances to ensure our clients are getting the best cost effective finance available
  • Those with “bad credit”. If the Banks have said no - we have a number of lenders who will say yes
  • Those who are asset rich but cash poor
  • Construction and property development
  • Real estate agent networks to assist in sourcing properties for our clients
  • Accountants and Financial planners

First Home Buyers

Buying your first home should be an exciting experience, but the truth for many first home buyers is that it can be a very stressful time. I can help you eliminate this stress by arranging your home loan, assisting you in applying for the First Home Owner Grant and liaising with your settlement agent and real estate agent to make sure your home settles on time.

I will have an initial interview by phone or at your home or workplace, gather the necessary information and, dependant on your financial situation and goals, will assist you to choose a home loan that suits your needs. After you are comfortable with your choice, I'll walk you through the process and follow your home loan application through until your property settles.

During the application process, I will keep you well informed on the progress of your home loan application. I am always available to answer any questions you should have, no matter how small or silly you feel they may be - I want you to be totally comfortable and happy with your first home loan and will go out of my way to ensure you have all the information you need.

Alyson was easy to get along with, extremely helpful and available. I feel that I couldn't have bought my house without her.
R Thoms, Merriwa

Property Investors

As an experienced mortgage broker dealing with investors, I understand the allure of a good investment and also the importance of ensuring your investment finance is properly tailored to your investment goals. I enjoy working with all kinds of property investors to help them achieve their financial goals, from the start-up investor to the experienced investor.

All the lenders have different lending criteria, and this is particularly true for investment finance. To make sure your investment finance is working towards achieving your goals, it is critical you choose the right lender for your specific investment strategy, especially if you are considering building a large property portfolio or looking into financing a development.

Fly In, Fly Out - Mining Industry

With my husband working in the mining industry, I understand how important your time is when at home - the last thing you want to be doing is running from one lender to another. With many of my clients in a similar situation, I am aware that you don't always have time to research a home loan suitable to your needs. I can assist with research for the right home loan and lender for your needs; I take care of the process right through to settlement and keep you updated along the way. Many of my Fly in, Fly out clients are buying investment properties and looking at consolidating their own personal finances. Another important part of my service is organising a number of properties to be available to view with one of my real estate agent contacts at one time so you don't need to struggle to attend open homes.

Alyson was so helpful any time of the day. She was very informative and went out of her way to assist us.
C Chick, Butler

New to Australia and Foreign Investors

If you are just arriving in Australia or would like to invest in property whilst living overseas, some of the requirements for accessing a home loan will differ to those who are current citizens of Australia. I have a complete understanding of the Visa requirements of new arrivals looking to purchase property and excellent knowledge of the regulations imposed on foreign buyers by the Foreign Investment Review Board. An understanding of lender requirements, particularly when it comes to supporting document for your home loan application, is also necessary and I have good contacts and knowledge in this area.

Find a Fixed Interest Rate

Of course, after a long period of low interest rates, interest rates may look like going up and you might decide to investigate “fixing” your home loan. There are many things to consider when deciding whether or not to fix your home loan so it's a good idea to sit down with a mortgage broker who can show you the costs associated and the benefits and potential problems with a fixed home loan rate. If you do decide a fixed rate home loan is the right option for you, I can show you what fixed rate terms and interest rates are available to suit your situation.

Refinances

With products constantly changing, the intensive competition between lenders and the new offerings, are you 100% convinced that your current loan is the best option for you? Let me review your position, find the most appropriate solutions and handle the necessary paperwork so you can concentrate on making an informed decision and enjoying the benefits.

I Love to Negotiate with Lenders

Why would you pay a higher interest rate than a new customer? Is it your reward for years of prompt repayments on your loan? Let me review your options and negotiate the best possible outcome with lower fees and a better interest rate. Most lenders will consider a discounted interest rate based on the amount you borrow. Using my established relationship with the various business development managers from most main lenders, I will happily do the fact finding and I will be delighted to see you benefit from my work.

Find Out Your Target Property's Value

I can provide property reports through RP Data which help ensure my clients pay the best price for their next purchase.

State Wide Service - Western Australia

We often deal with clients spread throughout Western Australia and have worked with many different land sizes, zoning and the various lenders policies concerning these. We also have a large client base in NSW, QLD, ACT, Vic, and SA and have a good working knowledge of the stamp duty and state specific requirements.

Depending on your location, you may be subject to different lending criteria. Most lenders have different policies in regard to lending in rural, regional and metro areas, and home loan applications may in some cases be allowed by phone and fax. I have negotiated home finance for clients across Western Australia and I know what policies each lender has in your area.

Alyson is the best! Communication was kept open throughout the process. All our queries were answered quickly and overall a wonderful service! S Walker & R Pinkerton, Wattle Grove

Business Networks

I have numerous real estate agents located throughout Perth to assist my clients to find suitable properties; I also have numerous contacts such as accountants, financial planners and solicitors located throughout Perth that I deal with and to whom I am confident to refer clients.

Saint James Conveyancing
Marisa Durante Maynard - Director
Address: U4/19 Mumford Place
Balcatta, 6021
Phone: 08 9240 7535

Book a FREE appointment with Alyson Irwinclick here

  • State: Western Australia, WA
  • Broker region: North Metro
  • Suburbs: Perth, Osborne Park, Dianella
  • Alyson Irwin provides mortgage broking services in suburbs including but not limited to: Perth, Osborne Park, Churchlands, Coolbinia, Dianella, Doubleview, Glendalough Merriwa, Butler, Wattle Grove, Balcutta, Balga, Carine